State Guaranty Laws & Provisions

State Guaranty Laws & Provisions
The Question Your Insurance Agent Cannot Legally Answer

As licensed insurance agents or brokers, all structured settlement consultants receive questions on the above subject. While the initial response may seem awkward, please understand that this is just a sensitivity to the state insurance laws which may not permit advertising or even discussion of such protection as part in connection with sale or placement of insurance products, including structured settlement annuities. Yes it's somewhat unfair because bankers can discuss FDIC Insurance. The sensible premise behind the laws is good public policy. Regulators do not want insurance salespeople selling products from inferior companies and encouraging customers to throw caution into the wind.

The express purpose of this web page is to help consumers shorten their own independent research by deflecting such questions to the relevant State Insurance Department. Simply call the State Insurance Department in your state and ask them questions that licensed insurance agents tell you they not permitted to answer, or simply do not have the answer. Links to the home pages of all of the 50 state insurance departments in the United States can be found below.  Click here for an excellent paper "NOLHGA, the Life and Health Insurance Guaranty System, and the Financial Crisis of 2008–2009", by Peter Gallanis, then President of NOLGHA.

State
(click on the state to reach the State Insurance Web Site)
Insurance Department Phone Numbers
Alabama (334) 269-3550

Alaska

(907) 269-7900

Arizona

(602) 364-3100

Arkansas

(501) 371-2600

California

(213) 897-8921

Colorado

(303) 894-7499

Connecticut

(860) 297-3800

Delaware

(302) 739-4251

Dist. of Col.

(202) 727-8000

Florida

(850) 413-2806

Georgia

(404) 656-2056

Hawaii

(808) 528-5400

Idaho

(208) 378-9510

Illinois

(773) 714-8050

Indiana

(317) 636-8204

Iowa

(515) 283-3163

Kansas

(785) 271-1199

Kentucky

(502) 895-5915

Louisiana

(225) 381-0656

Maine

(207) 633-1090
Maryland (410) 998-3907

Massachusetts

(413) 744-8483

Michigan

(517) 373-0220

Minnesota

(651) 407-3149

Mississippi

(601) 981-0755

Missouri

(573) 634-8455

Montana

(262) 965-5761

Nebraska

(402) 474-6900

Nevada

(775) 329-8387

New Hampshire

(603) 226-9114

New Jersey

(973) 623-3989

New Mexico

(505) 237-9397

New York

(212) 909-6813

No. Carolina

(919) 833-6838

North Dakota

(701) 235-4108

Ohio

(614) 442-6601

Oklahoma

(405) 272-9221

Oregon

(503) 588-1974

Pennsylvania

(610) 975-0572

Rhode Island

(401) 273-2921

So. Carolina

(803) 536-9874

South Dakota

(605) 336-0177

Tennessee

(615) 242-8758

Texas

(512) 476-5101

Utah

(801) 572-1218

Vermont

(802) 244-8540

Virginia

(804) 282-2240

Washington

(425) 562-3128

West Virginia

(304) 733-6904

Wisconsin

(608) 242-9473

Wyoming

307-777-7401
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