Regulation · State guide
Nevada 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 Nevada law says
Free-look period
An annuity contract delivered in Nevada must give you 10 days from delivery to surrender it and get every premium and fee refunded — or 30 days if the contract replaces one you already had.
Nev. Rev. Stat. § 688A.165, Nevada Revised Statutes § 688A.165 — surrender and request for cancellation of contract or policyVerified 2026-08-25
What your agent owes you
Before recommending that you buy or exchange an annuity, the insurer or producer must make reasonable efforts to learn your financial and tax status and your investment objectives. This is Nevada's suitability standard; it predates the best-interest models some other states have since adopted.
Nev. Admin. Code § 688A.455, Nevada Administrative Code § 688A.455 — recommendations, responsibilities of insurer or producer of insuranceVerified 2026-08-25
How Nevada taxes annuity income
Nevada levies no income tax on wages or personal income, so annuity income is not taxed at the state level.
Nev. Const. art. 10, § 1(9), Nevada Constitution art. 10, § 1(9) — no income tax on wages or personal income of natural personsVerified 2026-08-25
Who regulates annuities in Nevada
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 Nevada 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 Nevada insurance department before acting.
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