Utah Life & Health Insurance Guaranty Association 955 E. Pioneer Road / Draper, UT 84020 Home About Us FAQs Insolvencies Additional Info Links Terms of Use Contact Us Frequently Asked Questions    01.  What happens when my insurance company goes out of business? 02.  How is policy coverage determined? 03.  What is the Utah Life & Disability Insurance Guaranty Association? 04.  Who is protected? 05.  Does it matter where I live? 06.  What contracts are covered? 07.  Are all policies fully protected? 08.  For example, if I own three annuities worth $100,000 each and my insurance company fails, how much is protected? 09.  What will happen to my insurance coverage if the guaranty association becomes liable for my policy? 10.  When might the guaranty association provide benefits? 11.  What is NOT protected by the guaranty association? 12.  How will I know if my life or health insurance company has failed or is unable to fulfill its obligations to its policyholders? 13.  How can I find out if my company is licensed in Utah? 14.  Why hasn't my agent or company told me more about the Utah Life & Disability Insurance Guaranty Association?