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The Tennessee Insurance Guaranty Association ("TIGA") is not triggered until there has been a finding of insolvency AND order of liquidation by a court of competent jurisdiction.  Review the Tennessee statutes which govern TIGA by following the link above.


TIGA does not handle Life or Accident & Health claimsPlease direct all questions to the Tennessee Life & Health Insurance Guaranty Association at (615) 242-8758, or visit their website at www.tnlifega.org See Statute 56-12-103, for lines of business NOT covered by TIGA.


TIGA is a not for profit unincorporated association created "to provide a mechanism for the payment of covered claims under certain insurance policies to avoid excessive delay in payment and to avoid financial loss to claimants or policyholders because of the insolvency of an insurer, and to provide an association to assess the cost of such protection among insurers." (see T.C.A., 56-12-102)


TIGA was created in 1971.  Our mission is to provide a safety-net on specific statutorily defined claims and claims for unearned premiums, for Tennessee companies and residents who purchase insurance from an insurance company licensed in the state of Tennessee.

TIGA is managed on a day-to-day basis by an Executive Secretary who reports to a five person board of directors.  The board, which is representative of member companies, sets the policy for TIGA.  Through a close relationship with the Tennessee Department of Commerce and Insurance, the Commissioner is kept informed of the activities of TIGA on a regular basis. 

Funding is derived from disbursements from liquidating entities and assessments of member insurers.



Copyright 2006  Tennessee Insurance Guaranty Association  All rights reserved.

Copyright is not claimed as to the Tennessee Code provisions reproduced herein.




Legal Disclaimer:  Information on this site is provided to assist claimants, but is not legal advice, a comprehensive statement of the law or a detailed statement of TIGA policy and procedures, and reference should always be made to enabling legislation and case law. Certain information may not be current, and advice of legal counsel and insurance professionals is recommended.  TIGA  makes no warranty or guarantee concerning the accuracy of reliability of the content of this website or other linked or related websites.  Although TIGA has made every effort to produce the most complete up-to-date and accurate information on this website, such information is meant to be used for reference purposes only.  Any reference to the guaranty fund laws of any jurisdiction is for informational purposes only and is not a substitute for the official version of a statute or for legal advice.  Should you wish to view an official version of any guaranty fund statute, please contact the appropriate insurance department or ask your attorney to do so.