In general, states have funds to help pay claims of insurance companies that become financially impaired.  Laws vary from state to state as does the insurance coverage and dollar limits that are payable. For the most part, coverage is for individual policyholders and their beneficiaries and not for values held in unallocated group contracts.

As each state has different rules and regulations with regard to the type and the extent of coverage available, you are advised to consult your state insurance department for details about any policy you are considering purchasing or becoming a party of. 

Liability Limits


Disclaimer: Provided for informational purposes only and not for the purpose of sales, or solicitation. Mainstay Capital Management is not responsible for the accuracy of this information. If you wish to confirm these coverages, please call your state insurance department.

Important Consumer Disclosure

Mainstay Capital Management, LLC is an investment advisor registered with the Securities and Exchange Commission. Due to various state regulations and filing requirements, Mainstay and its representatives may only provide investment advisory services in those states in which it is first appropriately registered or otherwise exempt or excluded from registration requirements. The purpose of this website is to provide the public with general information about the services offered by our investment management firm. Mainstay does not render personalized investment advice or services or effect, or attempt to effect any securities transactions, on this website. Our firm continuously monitors its filing requirements in all states, and will provide individualized advisory services only in accordance with various state regulations. Mainstay does not make any representations or warranties as to the accuracy, completeness, or relevance of any information prepared by any unaffiliated third party provider, whether linked to Mainstay's website or incorporated herein. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.