Regulation · State guide
Wisconsin 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 Wisconsin law says
Free-look period
Wisconsin insurers must generally give you the annuity buyer's guide and Contract Summary before or when you apply. If an insurer instead delivers them with the contract, it must guarantee you the right to return the contract for a full refund of premium at any time during the 30 days after you receive the Contract Summary and buyer's guide.
Wis. Admin. Code Ins 2.15(8)(a)1., Wisconsin Administrative Code Ins 2.15(8)(a) — annuity and deposit fund disclosure, buyer's guide and Contract Summary, right to returnVerified 2026-08-25
What your agent owes you
An insurance intermediary recommending an annuity in Wisconsin must act in your best interest and may not put their own or the insurer's financial interest ahead of yours.
Wis. Stat. § 628.347(2)(a), Wisconsin Statutes § 628.347 — best interest in annuity transactionsVerified 2026-08-25
How Wisconsin taxes annuity income
Wisconsin computes state income tax starting from your federal adjusted gross income, so the taxable portion of an annuity payment is generally taxed as ordinary Wisconsin income.
Wis. Stat. § 71.05(6), Wisconsin Statutes § 71.05(6) — modifications to federal adjusted gross incomeVerified 2026-08-25
Who regulates annuities in Wisconsin
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 Wisconsin 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 Wisconsin insurance department before acting.
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