Alabama Life & Disability Insurance Guaranty Association 6 Office Park Circle, Suite 200 / Birmingham, AL 35223 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      How is policy coverage determined? Coverage is determined by Alabama law and policy language at the time the guaranty association is activated to provide protection (when the member insurer is found to be insolvent and is placed under a final order of liquidation, rehabilitation or conservation by a court of competent jurisdiction). In light of changes in the law and the dramatic variations in policy language, ALDIGA cannot make statements regarding coverage of a specific policy unless it is a policy with a company for which the guaranty association has been activated to provide protection. Any coverage is subject to the legal limits set forth in the ALDIGA Act and the statutory listing of excluded products.   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 ]