Today’s MYGA Rates Available in Oregon
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 Oregon
Filter by term, carrier rating, and minimum premium — then connect with a licensed Oregon agent about any rate you see.
See Today’s Rates →How Oregon taxes annuity income
Oregon is one of the higher-tax states for retirement income, and honest planning starts there. Graduated rates run from 4.75% to 9.9%, and the upper brackets begin at relatively modest income levels. The taxable portion of annuity distributions is taxed as ordinary income — qualified annuities fully, non-qualified annuities on the earnings portion — with no broad pension or annuity exclusion for private retirement income (a limited retirement income credit exists for lower-income seniors, and federal pension income receives partial subtraction treatment).
The bright spot: Oregon does not tax Social Security benefits, and Oregon has no sales tax. For Oregon retirees, tax-deferred accumulation and withdrawal sequencing carry real weight — coordinate annuity income timing with an Oregon tax professional.
Source: Oregon Department of Revenue — Individual Income Tax
Oregon Annuity Regulations
Free Look Period: At least 10 days; see your contract's cover page
Oregon 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 Oregon Division of Financial Regulation.
Source: Oregon Division of Financial Regulation — consumer resources
Best Interest Standard: Adopted — effective January 1, 2024
Effective January 1, 2024, Oregon holds producers to the NAIC best-interest standard of conduct when recommending an annuity. 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 a 4-hour best-interest training course before selling annuities, and insurers must maintain supervision systems.
Replacement Rules
Oregon 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 Oregon's standard of conduct.
Source: Oregon Division of Financial Regulation — consumer resources
