Regulation · State guide
Arizona annuity rules
Top 5-year MYGA
6.30%
B++ or better, yield to surrender
- FIA S&P cap
- 17.00%
- As of
- Oct 26
What Arizona law says
Free-look period
You may return your annuity contract within 10 days of delivery (30 days if you were 65 or older on the application date) and get a full refund of everything you paid.
A.R.S. § 20-1233, Arizona Revised Statutes § 20-1233 — free look; annuity contractsVerified 2026-08-25
What your agent owes you
A producer recommending an annuity must act in your best interest and may not put the producer's or the insurer's financial interest ahead of yours.
A.R.S. § 20-1243.03, Arizona Revised Statutes § 20-1243.03 — duties of insurers and producers recommending an annuityVerified 2026-08-25
How Arizona taxes annuity income
Arizona starts individual taxable income from federal adjusted gross income, so the taxable portion of an annuity payment is taxed as ordinary Arizona income.
A.R.S. § 43-1001, Arizona Revised Statutes § 43-1001 — definitions; Arizona gross income means federal adjusted gross incomeVerified 2026-08-25
Who regulates annuities in Arizona
Fixed annuities are insurance products, so they are overseen by the state insurance department rather than by the SEC. The department licenses the carriers and the producers who sell them, and it takes consumer complaints.
The Arizona guaranty association
Every state has a life and health insurance guaranty association that steps in when a member insurer fails. Coverage terms are set by state law and differ by state and by product. Contact the association directly for what applies to a specific contract.
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This page is educational and is not legal, tax, or insurance advice. State rules change. Verify anything here with the Arizona insurance department before acting.
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