Today’s MYGA Rates Available in New Hampshire
Multi-year guaranteed annuity (MYGA) rates change frequently and availability varies by state. Rather than show a snapshot that goes stale, we maintain a live comparison of 2,400+ products from 60+ carriers, updated from industry rate feeds.
Compare live MYGA rates for New Hampshire
Filter by term, carrier rating, and minimum premium — then connect with a licensed New Hampshire agent about any rate you see.
See Today’s Rates →New Hampshire does not tax annuity income
New Hampshire imposes no tax on annuity income — or on wages, pensions, IRA distributions, or Social Security. New Hampshire never taxed earned or retirement income, and its last remaining personal tax on investment income — the Interest & Dividends Tax — was fully repealed effective January 1, 2025. New Hampshire now has no personal income tax of any kind.
Federal income tax still applies. Qualified annuities (funded with pre-tax dollars through an IRA or 401(k) rollover) are fully taxable as ordinary income when distributed; non-qualified annuities are taxed only on the earnings portion under exclusion-ratio rules. Withdrawals before age 59½ may incur a 10% federal early-withdrawal penalty.
Source: New Hampshire Department of Revenue Administration
New Hampshire Annuity Regulations
Free Look Period: At least 10 days; see your contract's cover page
New Hampshire annuity contracts include a free look period — a window after delivery during which you may return the contract for a full refund with no surrender charges. The minimum period is at least 10 days for most contracts, with the exact terms stated on your contract's cover page.
Carriers may offer longer periods than the state minimum. Confirm current requirements with the New Hampshire Insurance Department.
Source: New Hampshire Insurance Department — consumer resources
Best Interest Standard: Adopted — effective February 16, 2024
Effective February 16, 2024, New Hampshire holds producers to the NAIC best-interest standard of conduct when recommending an annuity (N.H. Insurance Rule Ins. 305). The producer must act in the consumer's best interest — satisfying care, disclosure, conflict-of-interest, and documentation obligations — and may not place their own financial interest ahead of the consumer's. Producers must complete best-interest training meeting Ins. 305's requirements, and insurers must maintain supervision systems.
Source: N.H. Insurance Rule Ins. 305 — New Hampshire Insurance Department
Replacement Rules
New Hampshire requires consumer protections when an existing annuity or life insurance policy is replaced:
- A written replacement notice identifying the contracts being replaced and disclosing surrender charges, benefits, and features being given up.
- Notification to the existing insurer.
- A documented best-interest basis for the recommendation under Ins. 305.
Source: New Hampshire Insurance Department — consumer resources
