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Notice Concerning Coverage Limitations and Exclusions

under the

Ohio Life & Health Insurance Guaranty Association Act 

Residents of Ohio who purchase life insurance, annuities, or health insurance should know that the insurance companies licensed in this state to write these types of insurance are members of the Ohio Life and Health Insurance Guaranty Association. The purpose of the Association is to ensure resident policyholders will receive some benefits under their policies, subject to state law, in the unlikely event that a member insurer becomes financially unable to meet its obligations. If this happens, the Association will assess its other member insurance companies for the money to pay the covered claims and, in some cases, to keep coverage in force. These benefits are limited, however. And, as noted in the box below, this protection is not a substitute for consumers’ care in selecting companies that are well-managed and financially stable. 

ACTION:  Final

DATE: 11/06/2023 12:50 PM




3901-1-52                                                                                                                                                                                  1




Pursuant to Ohio law, the Ohio Life and Health Insurance Guaranty Association (OLHIGA) may provide coverage of claims under certain life insurance policies, health insurance policies, including sickness and accident and health insuring corporation agreements, annuity contracts, and supplemental contracts to any of the preceding, if the member insurer or health insuring corporation becomes impaired or insolvent.

OLHIGA may not provide coverage for this policy. If coverage is provided, it may be subject to substantial limitations or exclusions, and require continued residency in Ohio. You should not rely on coverage by OLHIGA in selecting an insurance company or in selecting an insurance policy. Coverage is NOT provided for your policy or any portion of it that is not guaranteed by the insurer or for which you have assumed the risk, such as a variable contract sold by prospectus. You should check with your insurance company representative to determine if you are only covered in part or not covered at all.

Insurance companies or their agents are required by law to give or send you this notice. However, insurance companies and their agents are prohibited by law from using the existence of the guaranty association to induce you to purchase any kind of insurance policy or health insuring corporation coverage.

Information about the financial condition of insurers can be accessed by visiting the Department’s website. For additional information or if you have concerns about a violation of Ohio insurance law or would like to file a complaint, please contact:



Ohio Department of Insurance

50 W. Town Street, Suite 300

Columbus, Ohio 43215


If you have questions about the obligations of OLHIGA, you may contact:


Ohio Life and Health Insurance Guaranty Association

485 Metro Place South, Suite 270

Dublin, Ohio 43017






APPENDIX p(199437) pa(346309) d: (830675) ra(625753)                                                                                                                                                                                                          print date: 11/06/2023 12:55 PM

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