Regulation · State guide
Who regulates annuities in Missouri, what protections exist, and where to verify a carrier or producer before you buy.
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If the annuity you bought replaced an existing policy or contract, Missouri gives you at least 30 days after delivery to return it and receive an unconditional full refund of premiums paid.
20 CSR 400-5.400(5)(A)4. — Missouri Code of State Regulations, 20 CSR 400-5.400 — Life Insurance and Annuities Replacement, right-to-return noticeVerified 2026-08-25
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.
20 CSR 400-5.900(4)(A) — Missouri Code of State Regulations, 20 CSR 400-5.900 — Suitability in Annuity Transactions, best interest obligationsVerified 2026-08-25
Missouri starts from your federal adjusted gross income, so the taxable portion of an annuity payment is taxed as Missouri income.
Mo. Rev. Stat. § 143.121 — Missouri Revised Statutes § 143.121 — Missouri adjusted gross income defined by reference to federal adjusted gross incomeVerified 2026-08-25
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.
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.
Get a free annuity review or see current rates filed in Missouri.
This page is educational and is not legal, tax, or insurance advice. State rules change. Verify anything here with the Missouri insurance department before acting.