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翻訳と辞書　辞書検索 [ 開発暫定版 ] スポンサード リンク National Organization of Life and Health Insurance Guaranty Associations ： ウィキペディア英語版 National Organization of Life and Health Insurance Guaranty Associations The National Organization of Life and Health Insurance Guaranty Associations〔(NOLHGA web site, retrieved September 16, 2008 )〕 (often abbreviated NOLHGA) is a voluntary, U.S. association made up of the life and health insurance guaranty associations of all 50 states and the District of Columbia. NOLHGA was founded in 1983 to coordinate the efforts of state guaranty associations to provide protection to policyholders when their multi-state life or health insurance company becomes insolvent. The organization is based in Herndon, Virginia. ==Mechanism== When an insurance company reports to its state insurance regulator that it is in financial trouble, the state will first attempt to assist the company back toward financial stability. If the state insurance department determines the company cannot be saved, then the insurance commissioner asks the state court to order the liquidation of the company.〔(【引用サイトリンク】title=Policyholder Information )〕 Once the order to liquidate a company that operates in multiple states is handed down, NOLHGA, on behalf of affected member state guaranty associations, assembles a task force of affected guaranty associations to analyze the company’s commitments to policyholders. Each affected state guaranty association pays out claims to the insurance company's policyholders in the state; in some instances, the associations arrange for policies to be transferred to a financially sound insurer.〔 Each state guaranty association is governed by state law; most associations cover up to at least $300,000 for life insurance death benefits, $100,000 in cash surrender value for life insurance, $250,000 in withdrawal and cash values for annuities, and $100,000 in health insurance policy benefits.〔(【引用サイトリンク】title=The Insolvency Process )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「National Organization of Life and Health Insurance Guaranty Associations」の詳細全文を読む スポンサード リンク 翻訳と辞書 : 翻訳のためのインターネットリソース Copyright(C) kotoba.ne.jp 1997-2016. All Rights Reserved.