Arkansas Life and Health Insurance Guaranty Association 425 West Capitol Avenue, Suite 3700 / Little Rock, AR 72201 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      What is NOT protected by the Guaranty Association? Policies with insurers not licensed to do business in Arkansas; Health Maintenance Organization (HMO) contracts; policy benefits the insurer does not guarantee or for which the policyholder bears the risk (such as the non-guaranteed portion of a variable life insurance or annuity contract); self-insured employer plans; interest rate yields that exceed an average rate specified in the Guaranty Association Act; and fraternal benefit society insurance certificates. Certain, less commonly known insurance policies and arrangements not listed here are also not protected, such as burial associations, prepaid funeral trusts and charitable gift annuities issued by non-insurance companies. If you are unsure about whether your policy is excluded from Guaranty Association protection, you should review the current Guaranty Association Act (a link to the Act can be found in the Additional Info section).   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 ]