Kentucky Life & Health Insurance Guaranty Association

Helping Kentucky policyholders when they need it the most.


The Kentucky Life and Health Insurance Guaranty Association ("KLHIGA") welcomes you to our Web site. The purpose of this site is to provide individuals residing in Kentucky who own life insurance, accident and health insurance and annuity contracts information regarding the protection afforded them by KLHIGA in the event of the insolvency of the life insurance company which provided their insurance.


Liquidation Orders Entered for Penn Treaty & American Network Insurance Companies

On March 1, 2017, Penn Treaty Network America Insurance Company (Penn Treaty) and its wholly owned subsidiary, American Network Insurance Company (ANIC), were placed in liquidation by orders of the Commonwealth Court of Pennsylvania. Click here for a set of FAQs addressing the Penn Treaty/ANIC liquidations.