The following information about guaranty association coverage is based on the guaranty association statutes applicable to policyholders of Penn Treaty and American Network.

Coverage for policyholders

The life and health insurance guaranty associations in the states where Penn Treaty and American Network were licensed to do business assumed responsibility for covering eligible policy claims. The policies are subject to guaranty association statutory limits, terms and conditions of coverage.

To be eligible for guaranty association coverage, it is very important that you continue paying your policy premiums in full and on time. Failure to pay applicable premiums on time may cause your policy to terminate and you to lose guaranty association coverage protection.

Coverage limits

A general chart of the coverage limits for each state guaranty association is available here. Please note that this chart does not depict the specific states where Penn Treaty and/or American Network were licensed, and licensure is a factor in determining which guaranty association will provide coverage. If you have questions regarding your state guaranty association, contact information for each guaranty association is included on the chart. For questions about your policy or claims, please contact Customer Support at 1-800-362-0700.

National Organization of Life and Health Insurance Guaranty Associations (NOLHGA)

To learn more about guaranty associations, please visit the website of the National Organization of Life and Health Insurance Guaranty Associations.

LTC Reinsurance PCC

LTC Reinsurance PCC is a protected cell captive insurance company formed by certain state guaranty associations with the help of NOLHGA and licensed under the laws of the District of Columbia. LTC Re has contracted with Davies Life & Health to administer your policy. Occasionally you may receive certain information from LTC Re.