W V Life & Health Guarantee

The West Virginia Life & Health Insurance Guaranty Association is a statutory entity created in 1977 when the West Virginia legislature enacted the West Virginia Guaranty Association Act (a link to the Act can be found in the Additional Info section).
The guaranty association is composed of all insurers licensed to sell life insurance, accident and health insurance, and individual annuities in the state of West Virginia.
In the event that a member insurer is found to be insolvent and is ordered to be liquidated by a court, the Guaranty Association Act enables the guaranty association to provide protection (up to the limits spelled out in the Act) to West Virginia residents who are holders of life and health insurance policies and individual annuities with the insolvent insurer.

In most cases, a guaranty association will continue coverage as long as premiums are paid or cash value exists.
It may do this directly, or, most often, it may transfer the policy to another insurance company.
In any case, policyholders should continue making premium payments to keep their coverage in force.
Coverage is determined by West Virginia law and policy language at the time the guaranty association is activated to provide protection (when the member insurer is found to be insolvent and ordered liquidated by a court).

Below is a list of insurance company insolvencies for which the West Virginia guaranty association has been activated to provide protection to West Virginia policyholders.
Please be advised: this list may not include every insolvent insurer that has affected this state's policyholders.
You may be able to find additional information at the West Virginia Insurance Commission.