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Failing insurers Every year, a number of insurers go into receivership, and state guaranty funds take them over and pay claims for pennies on the dollar. (Photo: Shutterstock)

This month I will be a panelist at a National Conference of Insurance Guaranty Funds Workshop in Ft. Lauderdale, Fla. I spoke once about guaranty funds about 25 years ago, but other than a brief mention in my textbooks, I’m no expert.

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