Are insurance annunities protected from personal and business judgments.
The degree to which an annuity will be protected from a suit or claim will depend on your state's law. You're best consulting with an asset protection attorney in your estate familiar with asset protection to determine what your state law provides for. Regardless of state law, if the annuity was purchased at a time that it the purchase would be characterized as a fraudulent conveyance (the transfer made you insolvent, reduced your assets to a level that is too low relative to your financial needs and potential claims, or when you knew the claim existed, etc.) then even if the annuity would otherwise be protected, it might not be in such an instance.
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