The Illinois Life and Health Insurance Guaranty Association provides protection for life, health, and annuity policies owned by Illinois residents. The organization is a non-profit association of insurance companies that were created by Illinois law to provide certain protections for Illinois policyholders against insurance company insolvencies. The Illinois GA provides protection by paying claims, continuing policy coverage, transferring policies to another insurance company, or taking other authorized actions. This protection is based on Illinois law and the language of the insolvent company's policies at the time of insolvency. The organization's mission is to help Illinois policyholders when an HMO, health, or life insurance company fails.
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