Regulation · State guide
New Hampshire 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 New Hampshire law says
Free-look period
If you weren't given the buyer's guide and disclosure document at or before you applied, New Hampshire requires a free-look period of at least 15 days to return the annuity contract without penalty.
N.H. Code Admin. R. Ins 306.04(d), New Hampshire Code of Administrative Rules, Ins 306 — annuity disclosure, free-look periodVerified 2026-08-25
What your agent owes you
When recommending that you buy an annuity, the producer must act in your best interest, without placing the producer's or the insurer's financial interest ahead of yours.
N.H. Code Admin. R. Ins 305.05(a), New Hampshire Insurance Dept. rule Ins 305.05 — duties of insurers and producersVerified 2026-08-25
How New Hampshire taxes annuity income
New Hampshire has no state tax on annuity income. Its tax on interest and dividends was fully repealed for tax years beginning on or after January 1, 2025, and New Hampshire has never had a general income tax.
N.H. Rev. Stat. Ann. ch. 77, repealed by 2021, 91:99, II, eff. Jan. 1, 2025, New Hampshire RSA Chapter 77 (Taxation of Incomes) — entire chapter repealed effective January 1, 2025Verified 2026-09-14
Who regulates annuities in New Hampshire
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 New Hampshire 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 New Hampshire insurance department before acting.
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