The Kentucky Life and Health Insurance Guaranty Association ("KLHIGA") welcomes you to our website. The purpose of this site is to provide individuals residing in Kentucky who own life insurance, accident and health insurance, health maintenance organization ("HMO") contracts or annuity contracts information regarding the protection afforded them by KLHIGA in the event of the insolvency of the insurance company or HMO that provided their coverage.
On November 30, 2024, guaranty associations were activated to provide coverage to CBL and BLIC policyholders. Policyholders are encouraged to visit https://www.nolhga.com/globalbankers for more information.
On May 20, 2024, PHL Variable Insurance Company was placed in rehabilitation by the Connecticut Insurance Commissioner. For more information, please refer to the Frequently Asked Questions.