Vermont Life & Health Insurance Guaranty Association One National Life Drive / Montpelier, VT 05604 Home About Us FAQs Additional Info Links Terms of Use Contact Us Frequently Asked Questions      What is NOT protected by the guaranty association? Policies with insurers not licensed to do business in Vermont; non-guaranteed provisions of life, health, and annuity policies; Health Maintenance Organization (HMO) contracts; reinsurance contracts; employer self funded benefit arrangements; and certain other contracts. If you are unsure about whether your policy is excluded from guaranty association protection, you should review the current Guaranty Association Act in the Additional Info section.   NOTE: This information is not intended as legal advice, and no liability is assumed in connection with its use. The applicable state guaranty association statute is the controlling authority, regardless of any information presented on this site. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to guaranty association coverage.   [ Back to FAQ list ]