Regulation · State guide
Massachusetts 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 Massachusetts law says
What your agent owes you
A producer recommending an annuity must act in your best interest under the circumstances known at the time, without placing their own or the insurer's financial interest ahead of yours.
211 CMR 96.05(1), Massachusetts Division of Insurance, 211 CMR 96.00: Suitability in Annuity TransactionsVerified 2026-08-25
Who regulates annuities in Massachusetts
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 Massachusetts 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 Massachusetts insurance department before acting.
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