Protection basics
Are annuities insured?
Separate bank deposit insurance from an insurer's promise and the state-based safety net.
Safety & guarantees
Understand what stands behind an annuity promise
An annuity guarantee is an obligation of the issuing insurer—not a bank deposit guarantee. This file explains the state oversight and consumer-protection systems around that promise.
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When an insurer is troubled
What happens if an annuity company fails?
Follow the path from regulatory intervention through rehabilitation or liquidation.
State safety net
How guaranty associations work
Understand activation, eligibility, present-value limits, and why the answer depends on state law.
Official help
Find a regulator or file a complaint
Locate the correct state insurance department and prepare a useful factual record.