Ken and Daria Dolan, America's first family of personal finance, answer your questions every Friday.

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Consumers are nervous about the safety of the institutions they count on -- and they should be. First it was the Wall Street titans. Then AIG. Then banks (57 so far this year!). People are worried that insurers could be next in line for collapse. Watch our new video to learn how to find out if your insurance company's safe, how to protect yourself and what would happen if your insurer went under.

Dear Ken and Daria,

I'm wondering, what would happen to my insurance policy if my insurance company goes out of business?

--Jeremy

In today's economy, you must check the safety of your bank, broker and annuity. Learn how at Dolans.com.