Wyoming Annuities

Today’s MYGA Rates Available in Wyoming

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.

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Rates are subject to change and are not guaranteed until a policy is issued and accepted. Not FDIC-insured. Not a deposit. Guarantees are subject to the claims-paying ability of the issuing insurer. Product availability varies by state.

Tax information is compiled from publicly available state sources and was last reviewed in June 2026. Verify current rules with the state revenue department or a qualified tax professional.

Wyoming does not tax annuity income

Wyoming has no state income tax. Annuity withdrawals, annuitized payments, and lump-sum distributions are not taxed at the state level — Wyoming routinely tops the rankings of tax-friendly retirement states, with no income tax, no estate tax, and low overall tax burden.

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: Wyoming Department of Revenue

This information is for general educational purposes only and does not constitute tax advice. Tax laws change frequently. Consult a qualified tax professional for advice specific to your situation. Annuity.com does not provide tax, legal, or accounting advice.

Regulatory information is summarized from official state sources cited below and was last reviewed in June 2026. Always verify current requirements with the Wyoming Department of Insurance.

Wyoming Annuity Regulations

Free Look Period: At least 10 days; see your contract's cover page

Wyoming annuity contracts include a free look period — a window after delivery during which you may return the contract for a refund:

Most contracts: at least 10 days, with the exact period stated on your contract's cover page.
Disclosure protection: if the required annuity buyer's guide and disclosure document were not provided at or before application, Wyoming's adoption of the NAIC disclosure model requires a free look of at least 15 days.

Carriers may offer longer periods. Confirm current requirements with the Wyoming Department of Insurance.

Source: Wyoming Department of Insurance — consumer resources

Best Interest Standard: Adopted — effective July 5, 2023

Effective July 5, 2023, Wyoming holds producers to the NAIC best-interest standard of conduct when recommending an annuity (Wyo. Ins. Dept. Regs. Ch. 64). 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.

Source: Wyo. Ins. Dept. Regs. Ch. 64 — Wyoming Department of Insurance

Replacement Rules

Wyoming 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 Wyo. Ins. Regs. Ch. 64.

Source: Wyoming Department of Insurance — consumer resources

Regulatory information is summarized for educational purposes and may not reflect the most recent legislative or administrative changes. This content does not constitute legal advice. Consult the Wyoming Department of Insurance or a qualified insurance professional for the most current requirements.

Frequently Asked Questions

Does Wyoming tax annuity income?

No. Wyoming has no state income tax, so annuity withdrawals and payments are not taxed at the state level. Wyoming also has no estate tax. Federal income tax still applies based on whether the annuity is qualified or non-qualified.

What is the free look period for annuities in Wyoming?

Wyoming annuity contracts include a free look period of at least 10 days for most contracts — at least 15 days if the required buyer's guide and disclosure weren't provided at application.

Does Wyoming require annuity agents to act in my best interest?

Yes. Effective July 5, 2023, Wyoming holds producers to the NAIC best-interest standard (Wyo. Ins. Regs. Ch. 64). Agents must act in the consumer's best interest and complete a 4-hour best-interest training course.

What protections apply when replacing an annuity in Wyoming?

A written replacement notice, disclosure of what you'd give up, notification to your existing insurer, and a documented best-interest basis for the recommendation are required.

How do I verify a Wyoming annuity agent's license?

Use the Wyoming Department of Insurance license lookup at doi.wyo.gov to confirm any agent holds an active Wyoming insurance license.