Regulation · State guide
Kansas 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 Kansas law says
Free-look period
You may return a new individual life insurance policy or annuity contract within at least 10 days of its delivery and have the total premium you paid refunded.
Kan. Admin. Regs. § 40-2-15, Kansas Admin. Regs. 40-2-15 — right to return an individual life insurance policy or annuity contractVerified 2026-08-25
How Kansas taxes annuity income
Kansas starts from your federal adjusted gross income to compute state tax, so the taxable portion of an annuity payment is taxed as ordinary Kansas income.
Kan. Stat. Ann. § 79-32,117(a), Kansas Statutes § 79-32,117 — Kansas adjusted gross income of an individualVerified 2026-08-25
Who regulates annuities in Kansas
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 Kansas 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 Kansas insurance department before acting.
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