Annuity rules, state by state

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Annuities are regulated state by state, so three things genuinely change with your address: how much the state guaranty association protects if an insurer fails, whether the state taxes annuity premiums, and how strongly state law shields an annuity from creditors. Every state and the District of Columbia has its own page below, each covering those three facts in plain English.

Two rails before you dive in. First, state rules vary and change; every figure on these pages is a commonly cited level to verify with the state's own guaranty association and insurance department, so always verify current rules before relying on one. Second, guaranty coverage is not a reason to buy an annuity, and state law generally prohibits insurers and producers from marketing it as one. Guarantees are subject to the claims-paying ability of the issuing insurer and are not FDIC-insured or bank-guaranteed.

All 50 states and DC, alphabetically

Educational information only, not tax, legal, or investment advice. Annuity Explained is an educational resource and matching service, not an insurance agency, and does not sell insurance or provide individualized advice. Guarantees are subject to the claims-paying ability of the issuing insurer and are not FDIC-insured or bank-guaranteed. Annuities are long-term products that may carry surrender charges, and withdrawals before 59½ may incur a 10% federal penalty.

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All 50 states and DC, alphabetically

Understand it first. Then decide, on your timeline.

You leave with your Retirement Income & Tax Blueprint

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