Directory: States Department of Insurance

Written by Jason Caudill, MBA | Reviewed by My Annuity Store Editorial Team
Updated March 28, 2026

States Department of Insurance Directory

Click any column header to sort. Use the search to filter across all fields. On mobile, tap “Show” to expand an address.

Typing filters rows in the directory table below.
Organization ↕ Address ↕ Country ↕ Phone ↕ Web ↕ Leadership/Description ↕ NID ↕

Request Annuity Rates Report

Fill out the form below to receive a free annuity quote or use one of our annuity calculators.

More Insurance Company Resources

Get Today's Best MYGA Rates
Compare A-rated carriers. Rates up to 6.50%. No obligation.
Get a Free Quote → 855-583-1104
Editorial Disclosure: Our editorial team independently reviews and rates annuity products. We may earn commissions when you request a quote through our partner links. This content is for informational purposes only and does not constitute financial advice. Learn more.
Disclaimer: This content is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Annuity products vary by state and carrier. Always consult a licensed financial professional before making any financial decisions. My Annuity Store is an independent marketplace and does not provide investment advice.
Where to Go Next
Based on what you just read, here are your best next steps.
Compare today's best rates →
Read A-rated carrier reviews →
Find your best match →

Pros and Cons of Fixed Annuities

Before you commit to a fixed annuity, weigh the advantages and drawbacks for your retirement situation.

✓  Pros

  • ✓ Guaranteed rate locked in for the full term, no surprises
  • ✓ Principal is 100% protected from market losses
  • ✓ Often pays significantly more than CDs or savings accounts
  • ✓ Tax-deferred growth, no annual tax bill until withdrawal
  • ✓ Up to 10% annual free withdrawal without surrender charge
  • ✓ State guaranty association coverage (typically up to $250,000)
  • ✓ Simple to understand, no moving parts or index tracking

✗  Cons

  • ✗ Surrender charges apply if you withdraw more than 10% early
  • ✗ Not FDIC insured. Backed by the insurance company, not the government
  • ✗ Earnings taxed as ordinary income (not capital gains rates)
  • ✗ 10% IRS early-withdrawal penalty before age 59½
  • ✗ Rate is fixed, so you won't benefit if market rates rise
  • ✗ Less liquidity than a savings account or money market

Learn more: Are annuities safe?

Compare Top MYGA Rates by Term

See today's highest guaranteed rate from an A-rated carrier for each term length.

See all rates →
3-Year MYGA
–
Loading…
A-rated carrier
See all 3-year rates →
★ Most Popular
5-Year MYGA
–
Loading…
A-rated carrier
See all 5-year rates →
7-Year MYGA
–
Loading…
A-rated carrier
See all 7-year rates →

Rates sourced from AnnuityRateWatch. A-rated carriers (AM Best) only. Not a solicitation. Rates vary by state. Verify before purchasing.

Types of Annuities

Insurance companies offer several types of annuities to fit different financial goals. Here's how they compare.

A MYGA (Multi-Year Guaranteed Annuity) is the simplest fixed annuity. Your rate is guaranteed for the entire term of 3, 5, or 7 years. No market exposure, no index tracking. What you see is what you earn.

Best for: Savers who want a predictable, guaranteed return and are comfortable locking funds for a set term. Often compared to CDs but frequently pays more.

Learn more about MYGAs →

A Fixed Indexed Annuity (FIA) links your interest credits to a market index (like the S&P 500) with a floor of 0%, so you can never lose principal. Upside is capped via participation rates or caps.

Best for: Investors who want some market participation with a safety net. More complex than MYGAs but potentially higher returns in strong market years.

Learn more about FIAs →

A SPIA (Single Premium Immediate Annuity) converts a lump sum into a guaranteed income stream: monthly checks that start within 30 days and continue for life or a set period.

Best for: Retirees who need guaranteed income immediately and want to eliminate the risk of outliving their money. The "pension replacement" product.

Learn more about SPIAs →

A Variable Annuity invests your premium in sub-accounts (similar to mutual funds). Returns fluctuate with the market, so you can earn more but can also lose principal.

Best for: Long-term investors who want market exposure inside a tax-deferred wrapper and are comfortable with investment risk. Higher fees than fixed products.

Learn more about variable annuities →

A RILA (Registered Index-Linked Annuity) offers partial market participation with a defined buffer against losses (e.g., 10% or 20%). Unlike FIAs, RILAs can lose money, but losses are limited.

Best for: Investors willing to accept limited downside in exchange for higher upside potential than a traditional FIA. A middle ground between fixed and variable.

Learn more about RILAs →

Rate Methodology

My Annuity Store monitors MYGA rates from over 50 A-rated insurance carriers via AnnuityRateWatch. Our rate data refreshes every 6 hours.

To make our list, a carrier must be rated A− or better by AM Best, a financial strength rating that indicates the insurer's ability to meet obligations. Carriers with ratings of B++ or lower are excluded regardless of how attractive their rate appears.

Rates are sorted by highest guaranteed APY within each term group. Products using simple interest (SI) are labeled. The effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) purchases.

Data: AnnuityRateWatch · A-rated carriers only · Updated daily
People Also Read
Related guides and resources our readers find most helpful.
Retirees Want Annuities But May Not Know It…

Retirees Want Annuities But May Not Know It…

A lack of educational materials and access to annuity products have hindered the widespread adoption of these strategies in the United States.
Venerable Insurance and Annuity Company: What Policyholders Need to Know (2026)

Venerable Insurance and Annuity Company: What Policyholders Need to Know (2026)

Venerable Insurance and Annuity Company is not the kind of carrier you will find on a best-annuity-rates list.…
Can I Retire at 60 with 0K?

Can I Retire at 60 with $500K?

How Much Do I Need to Retire at 60? Are you approaching your 60th birthday with a nagging…
Are Annuity Rates Going Down in 2024?

Are Annuity Rates Going Down in 2024?

One of the most common questions we get is, "Will annuity rates rise in 2022"? Finally, the answer is "Yes, annuity rates are going to go up in 2022, and soon!"

Explore More

Get Started

Calculate your annuity earnings

Estimate how much a lump sum will grow over your chosen term with our free calculator.
Compare

Read Our Top Annuity Reviews

In-depth reviews of Athene, MassMutual, Corebridge, and more A-rated carriers.
Learn

What is a MYGA?

The complete guide to Multi-Year Guaranteed Annuities: how they work, pros, cons, and who they're right for.
Get Free Quote Call Now