Regulation · State guide
Arkansas annuity rules
Top 5-year MYGA
6.30%
B++ or better, yield to surrender
- FIA S&P cap
- 17.00%
- As of
- Oct 27
What Arkansas law says
Free-look period
If you weren't given the buyer's guide and disclosure document at or before you applied, Arkansas requires a free-look period of at least 10 days to return the annuity contract without penalty.
23 CAR § 129-104, Arkansas Insurance Department Rule 98, codified as 23 CAR § 129-104 — standards for the disclosure document and buyer's guide, annuity free-look periodVerified 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.
23 CAR § 121-105, Arkansas Insurance Department Rule 82, codified as 23 CAR § 121-105 — duties of insurers and producers recommending an annuityVerified 2026-08-25
Who regulates annuities in Arkansas
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 Arkansas 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 Arkansas insurance department before acting.
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