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      What is NOT protected by the guaranty association? Policies issued by insurers not licensed to do business in Idaho; 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 policy or annuity contract); annuities not owned by individuals (except in certain defined cases); self-insured employer plans; interest rate yields that exceed an average rate; and policies or contracts issued by reciprocal insurers, mutual benefit associations, fraternal benefit societies, hospital and medical service corporations, and limited managed care plans. Certain, less commonly known insurance policies and arrangements not listed here are also not protected. If you are unsure about whether your policy is excluded from guaranty association protection, you should review the current Guaranty Association Act or contact our office using the Contact Us 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 ]