Idaho Life & Health Insurance Guaranty Association 4700 N. Cloverdale Road, Suite 204 / Boise, ID 83713-1068 Home About Us FAQs Additional Info Links Terms of Use Contact Us Frequently Asked Questions      Are all policies fully protected? Not always. If your insurance company fails, the maximum amount of protection provided by the Association under one policy or contract of insurance is: Life Insurance Death Benefits: $300,000 Life Insurance Net Cash Surrender or Net Cash Withdrawal Values: $100,000 Disability/Health Insurance/Long Term Care Claims or Benefit Payments: $300,000 Disability/Health Insurance/Long Term Care Net Cash Surrender or Net Cash Withdrawal Values: $100,000 Annuity Net Cash Surrender or Net Cash Withdrawal Values: $250,000 Coverage is also limited to $300,000 in the aggregate for all benefits, including cash values, for any one life.   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 ]