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The North Dakota Life & Health Insurance Guaranty Association is a statutory entity created in 1983 when the North Dakota legislature enacted the North Dakota Guaranty Association Act. The guaranty association is composed of all insurers licensed to sell life insurance, accident and health insurance, and individual annuities in the state of North Dakota. The term “insurer” includes Health Maintenance Organizations (“HMOs”). 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 North Dakota residents who are holders of policies or contracts of direct, nongroup life insurance, health insurance, which includes HMOs, or individual annuities with the insolvent member insurer.

Specifically, when a member insurer is found to be insolvent and is ordered liquidated, a special deputy receiver takes over the insurer under court supervision and processes the assets and liabilities through liquidation. The task of servicing the member insurer’s policies or contracts and providing coverage to North Dakota's residents becomes the responsibility of the guaranty association. The protection provided by the guaranty association is based on North Dakota law and the language of the insolvent company's policies or contracts at the time of insolvency.

We will make every effort to ensure that the information provided here is in accordance with the most current law in the event that the North Dakota legislature amends the Guaranty Association Act or other laws. However, if there should be any inconsistency between the Guaranty Association Act or any other law or regulation and the information on this website, the relevant law will supersede. In light of these changes in law and the dramatic variations in policy and contract language, the association cannot make statements regarding coverage of a specific policy or contract unless it is with a member insurer for which the association has been activated to provide protection. Finally, this website is for general information purposes and should not be relied upon as legal advice.

Again, we hope the information provided in this website is useful. Be sure to read the Frequently Asked Questions section of the site for more information, and please refer to the Contact Us section if you have any questions for the guaranty association.