California Life & Health Insurance Guarantee Association

Helping California policyholders when they need it the most.


Welcome to the California Life & Health Insurance Guarantee Association ("guarantee association") Web site. We hope you find this site helpful in providing information regarding the purpose of the guarantee association and how it protects resident policyholders in the event of an insurance company insolvency.


Update to Healthcare and Long-Term Care Protection

As of As of March 31, 2024, the maximum coverage limit for healthcare is $661,862. The maximum limit for health care benefits is increased or decreased based upon changes in the healthcare cost component of the consumer price index from January 1, 1991, to the date on which the insurer became insolvent.

The maximum coverage limit for health care for the following insolvencies is as follows:

Golden State Mutual Life Insurance Company: $465,553
SeeChange Health Insurance Company: $519,764
Penn Treaty Network America Insurance Company: $560,929
American Network Insurance Company: $560,929

NOTICE Re California Executive COVID-19 Stay at Home Order (“Order”):

The California Life and Health Insurance Guarantee Association (“Association”) considers itself to be an essential business within the meeting of the Order. Through business continuity measures in place prior to COVID-19, the Association is fully prepared to continue all operations. Please continue to use the same phone number and email as you have in the past, and all means of communication are regularly being monitored.

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.