FAQs
Questions we hear most from policyholders
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What does Allifega actually do?
We protect Alabama residents who own individual life insurance, annuity, or disability income policies if their insurer is declared insolvent by a court. Within statutory limits, we work to keep covered benefits in force.
Do I need to sign up or pay for this protection?
No. There's no enrollment, application, or fee. Coverage applies automatically to eligible policies issued by Alabama-licensed member insurers.
Is there a limit to what's covered?
Yes. Alabama law sets statutory caps on the amount of protection per policyholder, per insurer, across life insurance, annuities, and disability income. Our team can walk you through the limits that apply to your specific policy.
My insurer isn't in receivership — why am I hearing about this?
Most people never need to interact with a guaranty association. We exist as a backstop, and most policyholders are simply covered without ever needing to file a claim with us.
What should I do if my insurer is placed in receivership?
Check our Receiverships page for the latest status on any affected company. You'll typically receive a notice by mail with specific instructions; you can also contact us directly with your policy number.
Does this cover my employer-provided group life or disability plan?
Group certificate holders are generally protected too, but the process and contact point can differ depending on the plan administrator. Reach out to us and we'll point you in the right direction.
Who actually pays for this protection?
Member insurers licensed in Alabama fund the association through assessments — not taxpayers and not policyholders directly.