Alabama Life & Disability Insurance Guaranty Association
Helping Alabama policyholders when they need it the most.
If your life, annuity, or disability insurer becomes insolvent, we're the safety net that keeps your coverage in force — so a company's failure doesn't have to become yours.
Statutory protection for Alabama policyholders
Established under Alabama law, Allifega protects owners of individual life insurance, annuities, and disability income policies issued by licensed member companies.
- No membership fee or enrollment required
- Coverage applies automatically to eligible policies
- Backed by assessments on Alabama-licensed insurers
Why we exist
A safety net built into Alabama insurance law
Guaranteed protection
When a member life or disability insurer becomes insolvent, we step in to pay covered claims and continue policy benefits within statutory limits.
Funded by the industry
We're financed through assessments on licensed member insurers, not tax dollars, so protection is in place before it's ever needed.
Independent oversight
We operate under Alabama law and coordinate with the Department of Insurance and state receivership courts on every covered case.
How protection works
What happens when an insurer fails
An insurer is placed in receivership
A court determines a member insurer can no longer meet its obligations and appoints a receiver.
We're notified and activated
As the state's guaranty association, we're notified and begin reviewing affected policies and claims.
Coverage continues
Eligible policyholders keep their benefits, subject to statutory caps, while we manage the transition.
Have a question about your policy?
Our team can help you understand what's covered and what to do next.