Free-look period
States set a period after delivery when you can review a new annuity contract and return it. The length can differ by state and situation.
Annuities by state
Learn about annuities where you live.
Annuity topics can differ from state to state. Pick your state for a plain-English overview, or skip the reading and ask a licensed professional about the current rules where you live.
Choose how you’d like to get your answers:
*AnnuityTown is paid per qualified lead by the licensed partner company it connects you with.
Find your state.
Pick your state to see its annuity rules in plain English: who regulates annuities, the free-look period, guaranty association limits and state taxes.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
What changes from state to state
Guaranty association limits
Every state has a life and health guaranty association with its own coverage limits and conditions if an insurer fails.
Best-interest rule
Many states have adopted rules for how insurance professionals recommend annuities. The details differ from state to state.
State taxes
Tax treatment differs from state to state and changes often. A tax professional can tell you what applies to you.
State guides are general education, not legal, tax or financial advice. Laws change often and these pages are not updated continuously, so confirm current rules before you decide anything. A licensed professional can go over the current rules where you live.
An easier next step
Rather talk it through?
Rules change often. A licensed professional can go over the current rules in your state and the fixed and fixed indexed annuity options that may be relevant. Availability depends on your state, and the licensed partner confirms it when you reach out.
*AnnuityTown is paid per qualified lead by the licensed partner company it connects you with.