New Hampshire Life & Health Insurance Guaranty Association 47 Hall Street, Suite 2 / Concord, NH 03301 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      Are there limits and exclusions to covered policies? Yes. If your insurance company fails, the Association may become liable for benefits that are the lesser of benefits provided in your policy or contract, or with respect to any one life (regardless of the number of policies or contracts held): $300,000 in Life Insurance Death Benefits $100,000 in Life Insurance Net Cash Surrenders $100,000 in Health Insurance Benefits $100,000 in Annuity Present Value Benefits In addition, the aggregate liability to the Association for any one life is $300,000.   NOTE: This information is not intended as legal advice, and no liability is assumed in connection with its use. The applicable state guaranty association statute is the controlling authority, regardless of any information presented on this site. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to guaranty association coverage.   [ Back to FAQ list ]