Regulation · State guide
Mississippi 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 Mississippi law says
What your agent owes you
A producer recommending an annuity must act in your best interest and may not put their own or the insurer's financial interest ahead of yours.
19 Miss. Admin. Code Pt. 2, R. 18.06, Mississippi Insurance Dept. — Suitability in Annuity Transactions Model Regulation, Rule 18.06 (duties of insurers and producers)Verified 2026-08-25
How Mississippi taxes annuity income
Mississippi exempts retirement income from state income tax, so annuity payments from a federal, state or private retirement system or plan are not taxed by the state.
Miss. Admin. Code 35.III.2.07, Mississippi Administrative Code Title 35, Part III, Subpart 2, Ch. 7 — income from retirement allowances, pensions and annuitiesVerified 2026-08-25
Who regulates annuities in Mississippi
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 Mississippi 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 Mississippi insurance department before acting.
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