Regulation · State guide
Tennessee 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 Tennessee law says
What your agent owes you
A producer recommending an annuity must act in your best interest, and insurers must supervise those recommendations so your insurance needs and financial objectives are effectively addressed.
Tenn. Dep't of Commerce & Insurance Bulletin 23-02, on Rule Ch. 0780-01-86, Tennessee Dept. of Commerce and Insurance Bulletin 23-02 — the Commissioner's statement of what Rule Ch. 0780-01-86 requires, effective January 1, 2024Verified 2026-08-25
Who regulates annuities in Tennessee
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 Tennessee 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 Tennessee insurance department before acting.
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