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Illinois Life and Health Insurance Guaranty Association

Helping Illinois insurance policyholders when they need it most.


Learning your life or health insurance company is in trouble can be frightening. The Illinois Life and Health Insurance Guaranty Association provides protection for life, health, and annuity policies owned by Illinois residents.

The Illinois Life and Health Insurance Guaranty Association is a non-profit association of insurance companies that sell life insurance, health insurance and annuities in Illinois. It was created by Illinois law to provide certain protections for Illinois policyholders against certain insurance company insolvencies.

To provide this protection, the Illinois GA may pay claims, continue policy coverage, transfer policies to another insurance company or take other actions authorized by law. This site provides further information about the Illinois GA and how it protects covered policyholders in the event of an insurance company insolvency.

The Illinois GA was created by statute and provides protection subject to the terms and conditions of that statute. Nothing on this website is intended to, nor does it, modify the powers and duties of the Illinois GA.


Land of Lincoln Mutual Health Insurance Company

On September 29, 2016, an Agreed Order of Liquidation With A Finding of Insolvency was entered against Land of Lincoln Mutual Health Insurance Company (“Land of Lincoln”) by the Circuit Court of Cook County, Illinois pursuant to the provision of Article XIII of the Illinois Insurance Code, 215 ILCS5/187 et. seq. The order is effective 12:01 a.m. Central Standard Time, on October 1, 2016. The frequently asked questions and other materials pertaining to Land of Lincoln can be found on our Additional Resources page. Specific questions may be sent to

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.

Notice of Protection

Click here to view our “Notice of Protection."