Best Annuity Rates in Kentucky (2026)
Today's best MYGA rates available in Kentucky from A-rated carriers. Compare all products, terms, and minimum…
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Best Annuity Rates Today (2026)
Compare today’s best MYGA rates from A-rated carriers. Updated daily from AnnuityRateWatch — see rates by term length or find the best rates available in your state.
Compare today’s best MYGA and fixed annuity rates from A-rated carriers, updated every 6 hours. Use the table below to sort by rate, term, or carrier, or filter to a specific term length.
115 rates shown
| Carrier ⇅ | Product | AM Best ⇅ | Rate ↓ | Term ⇅ | Min. Premium ⇅ | Free Withdrawal |
|---|---|---|---|---|---|---|
| Knighthead Life | Staysail 7 (Simple Interest) SI | 7.10%Top Rate | 7 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 7 CA (Simple Interest) SI | 7.10% | 7 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 5 (Simple Interest) SI | 6.65%Top Rate | 5 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 5 CA (Simple Interest) SI | 6.65% | 5 yr | $100,000 | 0% | |
| Ibexis | MYGA Plus 7 (Simple Interest) SI | 6.60% | 7 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 7 (Simple Interest) CA SI | 6.50% | 7 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 8 | 6.45%Top Rate | 8 yr | $20,000 | 10% | |
| Ibexis | MYGA Plus 5 (Simple Interest) SI | 6.35% | 5 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 6 | 6.35%Top Rate | 6 yr | $20,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 10 | 6.35%Top Rate | 10 yr | $20,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 9 | 6.30%Top Rate | 9 yr | $20,000 | 10% | |
| Ibexis | MYGA Plus 5 (Simple Interest) CA SI | 6.25% | 5 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 7 | 6.20% | 7 yr | $20,000 | 10% | |
| Aspida | Synergy Choice 7 | 6.15% | 7 yr | $100,000 | 0% | |
| Aspida | Synergy Choice 5 | 6.10% | 5 yr | $100,000 | 0% | |
| Axonic Insurance | Waypoint 5 MYGA | 6.10% | 5 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 4 | 6.05%Top Rate | 4 yr | $20,000 | 10% | |
| Knighthead Life | Staysail 7 CA with Liquidity (Simple Interest) SI | 6.05% | 7 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 7 With Liquidity (Simple Interest) SI | 6.05% | 7 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 5 CA With Liquidity | 6.00% | 5 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 5 With Liquidity (Simple Interest) SI | 6.00% | 5 yr | $100,000 | 10% | |
| Nationwide Life Insurance Company | Secure Growth 5 MVA | 6.00% | 5 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 5 | 6.00% | 5 yr | $20,000 | 10% | |
| Athene IA | Athene Max Rate 7 | 5.95% | 7 yr | $100,000 | Interest Only | |
| Oceanview Life and Annuity | Harbourview 10 | 5.95% | 10 yr | $70,000 | 10% | |
| Ibexis | MYGA Plus 3 (Simple Interest) SI | 5.90%Top Rate | 3 yr | $100,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 6 | 5.90% | 6 yr | $70,000 | 10% | |
| Athene IA | Athene Max Rate 7 (state specific) | 5.90% | 7 yr | $100,000 | Interest Only | |
| Global Atlantic Financial Group | SecureFore 7 | 5.90% | 7 yr | $100,000 | 10% | |
| Global Atlantic Financial Group | SecureFore II 7 | 5.90% | 7 yr | $100,000 | 10% | |
| Reliance Standard Life | Reliance Guarantee - 7 | 5.90% | 7 yr | $20,000 | 10% | |
| Reliance Standard Life | Reliance Guarantee - 10 | 5.90% | 10 yr | $20,000 | 10% | |
| Knighthead Life | Staysail 3 (Simple Interest) SI | 5.85% | 3 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 3 CA (Simple Interest) SI | 5.85% | 3 yr | $100,000 | 0% | |
| Athene IA | Athene Max Rate 5 | 5.85% | 5 yr | $100,000 | Interest Only | |
| Global Atlantic Financial Group | SecureFore 5 | 5.85% | 5 yr | $100,000 | 10% | |
| Global Atlantic Financial Group | SecureFore II 5 | 5.85% | 5 yr | $100,000 | 10% | |
| North American Company | NAC Guarantee Plus 5 | 5.85% | 5 yr | $100,000 | Interest Only | |
| Protective Life | Secure Saver 5 | 5.85% | 5 yr | $75,000 | 10% | |
| Equitable Financial Life Insurance of America | Guaranteed Growth Strategiessm 7 MVA | 5.85% | 7 yr | $100,000 | 10% | |
| Knighthead Life | Staysail Select 7 | 5.85% | 7 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 3 (Simple Interest) CA SI | 5.80% | 3 yr | $100,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 10 (CA) | 5.80% | 10 yr | $70,000 | 10% | |
| Royal Neighbors of America | MYGA 10 Year | 5.80% | 10 yr | $100,000 | Interest Only | |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 6 | 5.75% | 6 yr | $100,000 | 10% | |
| Mass Mutual | Premier Voyage 6 | 5.75% | 6 yr | $1,000,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 6 (CA) | 5.75% | 6 yr | $70,000 | 10% | |
| American General Life Insurance Company | American Pathway VisionMYG 10 | 5.75% | 10 yr | $25,000 | 15% | |
| Assurity Life | SecurePath 10 | 5.75% | 10 yr | $2,000 | 12% | |
| Corebridge Financial | American Pathway VisionMYG 10 | 5.75% | 10 yr | $100,000 | 15% | |
| Oxford Life Insurance Company | Multi-Select 3 | 5.70% | 3 yr | $20,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 4 | 5.70% | 4 yr | $70,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 4 (CA) | 5.70% | 4 yr | $70,000 | 10% | |
| Athene IA | Athene Max Rate 3 | 5.65% | 3 yr | $100,000 | Interest Only | |
| Athene IA | Athene Max Rate 3 (state specific) | 5.65% | 3 yr | $100,000 | Interest Only | |
| Axonic Insurance | Waypoint 3 MYGA | 5.65% | 3 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 3 CA With Liquidity (Simple Interest) SI | 5.65% | 3 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 3 With Liquidity (Simple Interest) SI | 5.65% | 3 yr | $100,000 | 10% | |
| Nationwide Life Insurance Company | Secure Growth 3 MVA | 5.65% | 3 yr | $100,000 | 10% | |
| Capitol Life Insurance Company | Heritage Elite 9 | 5.65% | 9 yr | $10,000 | 0% | |
| Liberty Bankers Life | Heritage Elite 9 | 5.65% | 9 yr | $10,000 | 0% | |
| Delaware Life | Pinnacle Plus MYGA 10 | 5.65% | 10 yr | $100,000 | 10% | |
| American National Insurance Company | Palladium MYG MAX 3 | 5.60% | 3 yr | $250,000 | 0% | |
| Capitol Life Insurance Company | Heritage Premier 9 | 5.60% | 9 yr | $10,000 | Interest Only | |
| Liberty Bankers Life | Heritage Premier 9 | 5.60% | 9 yr | $10,000 | Interest Only | |
| Axonic Insurance | Waypoint 10 MYGA | 5.60% | 10 yr | $100,000 | 10% | |
| Mass Mutual | Premier Voyage 4 | 5.55% | 4 yr | $1,000,000 | 10% | |
| Americo | Platinum Assure 6 | 5.55% | 6 yr | $25,000 | 5% | |
| Capitol Life Insurance Company | Heritage Classic 9 | 5.55% | 9 yr | $10,000 | 10% | |
| Liberty Bankers Life | Heritage Classic 9 | 5.55% | 9 yr | $10,000 | 10% | |
| Aspida | Synergy Choice 3 | 5.50% | 3 yr | $100,000 | 0% | |
| Equitable Financial Life Insurance of America | Guaranteed Growth Strategiessm 3 MVA | 5.50% | 3 yr | $100,000 | 10% | |
| Global Atlantic Financial Group | SecureFore 3 | 5.50% | 3 yr | $100,000 | 10% | |
| Nationwide Life Insurance Company | Secure Growth 4 MVA | 5.50% | 4 yr | $100,000 | 10% | |
| Capitol Life Insurance Company | Heritage Premier Plus 9 | 5.50% | 9 yr | $10,000 | Interest Only | |
| Liberty Bankers Life | Heritage Premier Plus 9 | 5.50% | 9 yr | $10,000 | Interest Only | |
| Lincoln Financial | Lincoln MYGuarantee Plus 10 | 5.50% | 10 yr | $100,000 | 10% | |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 4 | 5.45% | 4 yr | $100,000 | 10% | |
| Mass Mutual | Stable Voyage 4 | 5.45% | 4 yr | $100,000 | 10% | |
| American National Insurance Company | Palladium MYG MAX 10 | 5.45% | 10 yr | $250,000 | 0% | |
| American General Life Insurance Company | American Pathway VisionMYG 4 | 5.40% | 4 yr | $25,000 | 15% | |
| Corebridge Financial | American Pathway VisionMYG 4 | 5.40% | 4 yr | $100,000 | 15% | |
| American General Life Insurance Company | American Pathway VisionMYG 6 | 5.40% | 6 yr | $25,000 | 15% | |
| Clear Spring Life | Preserve MYGA 6 | 5.40% | 6 yr | $100,000 | 10% | |
| Corebridge Financial | American Pathway VisionMYG 6 | 5.40% | 6 yr | $100,000 | 15% | |
| Pacific Guardian Life | Diamond Head 6 | 5.40% | 6 yr | $10,000 | 10% | |
| Clear Spring Life | Preserve MYGA 8 | 5.40% | 8 yr | $100,000 | 10% | |
| Pacific Guardian Life | Diamond Head 8 | 5.40% | 8 yr | $10,000 | 10% | |
| Clear Spring Life | Preserve MYGA 9 | 5.40% | 9 yr | $100,000 | 10% | |
| Pacific Guardian Life | Diamond Head 9 | 5.40% | 9 yr | $10,000 | 10% | |
| Clear Spring Life | Preserve MYGA 10 | 5.40% | 10 yr | $100,000 | 10% | |
| Pacific Guardian Life | Diamond Head 10 | 5.40% | 10 yr | $10,000 | 10% | |
| Clear Spring Life | Preserve MYGA 4 | 5.30% | 4 yr | $100,000 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 8 | 5.30% | 8 yr | $250,000 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 9 | 5.30% | 9 yr | $250,000 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 10 | 5.30% | 10 yr | $250,000 | 10% | |
| GBU Life | Asset Guard Select 4 | 5.25% | 4 yr | $25,000 | 10% | |
| Pacific Guardian Life | Diamond Head 4 | 5.20% | 4 yr | $10,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 2 | 5.15%Top Rate | 2 yr | $70,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 2 (CA) | 5.15% | 2 yr | $70,000 | 10% | |
| Axonic Insurance | Waypoint 2 MYGA | 5.10% | 2 yr | $100,000 | 10% | |
| GBU Life | Asset Guard Select 2 | 5.05% | 2 yr | $25,000 | 10% | |
| Prosperity S.USA Life | Select Choice® Plus 1 (4) Year Plan Base Policy MVA | 5.05% | 4 yr | $100,000 | 0% | |
| Prosperity S.USA Life | Select Choice® Plus 3 (4) Year Plan (Base + PFW) MVA | 5.00% | 4 yr | $100,000 | 10% | |
| Prosperity S.USA Life | Select Choice® Plus 2 (4) Year Plan (Base + ROP) MVA | 4.95% | 4 yr | $100,000 | 0% | |
| American National Insurance Company | Palladium MYG MAX 6 | 4.90% | 6 yr | $250,000 | 0% | |
| American National Insurance Company | Palladium MYG Annuity 6 | 4.75% | 6 yr | $250,000 | 10% | |
| Mass Mutual | Premier Voyage 2 | 4.70% | 2 yr | $1,000,000 | 10% | |
| Aspida | Synergy Choice 2 | 4.60% | 2 yr | $100,000 | 0% | |
| Integrity Life Insurance Company | New Momentum 6 | 4.40% | 6 yr | $5,000 | 10% | |
| Americo | Platinum Assure 2 | 4.15% | 2 yr | $25,000 | 3% | |
| American National Life Insurance Company of NY | Palladium MYG 6 NY | 3.90% | 6 yr | $250,000 | 10% | |
| Guaranty Income Life | Guaranty Rate Lock 6 | 3.90% | 6 yr | $250,000 | 5% | |
| Guaranty Income Life | Guaranty Rate Lock 8 | 3.90% | 8 yr | $250,000 | 5% | |
| Guaranty Income Life | Guaranty Rate Lock 9 | 3.90% | 9 yr | $250,000 | 5% |
Rates are for informational purposes only and subject to change without notice. Only carriers rated A− or better by AM Best are included. Products marked SI use simple interest — the effective compound yield is lower than the stated rate. Click any column header to sort. Always verify current rates with a licensed annuity broker before purchasing.
Compare Rates by Term Length
Not sure which term is right for you? Each term has a different rate profile. Shorter terms offer more flexibility; longer terms typically lock in higher rates.
1-Year
Best 1-Year Fixed Annuity Rates
Maximum flexibility. Rates reset annually.
Compare rates →
2-Year
Best 2-Year Annuity Rates
Short commitment with better rates than 1-year.
Compare rates →
3-Year
Best 3-Year MYGA Rates
Good flexibility. Rates reset in 3 years.
Compare rates →
5-Year
Best 5-Year MYGA Rates
Most popular term. Strong rates, moderate commitment.
Compare rates →
7-Year
Best 7-Year MYGA Rates
Highest MYGA rates. Best for long-term savers.
Compare rates →
10-Year
Best 10-Year Fixed Annuity Rates
Maximum rate lock. Best for long-term income planning.
Compare rates →
Immediate Annuity (SPIA) Payout Rates
A Single Premium Immediate Annuity (SPIA) converts a lump sum into guaranteed monthly income starting within 30 days. Payouts depend on your age, deposit amount, and whether you want income for life or a fixed period.
Compare SPIA payout rates by age and deposit amount →
What Are MYGA Rates?
A MYGA (Multi-Year Guaranteed Annuity) rate is the fixed interest rate an insurance company guarantees for the entire contract term, typically 2 to 10 years. Unlike a CD, interest inside a MYGA grows tax-deferred until withdrawal. Unlike a savings account, the rate is locked in and cannot change during the guarantee period.
Rates in the table above are from A-rated carriers only (AM Best A- or better). We exclude B-rated and unrated carriers to protect you from counterparty risk.
To understand what moves rates up and down, see our guide: How Are Annuity Rates Set? For historical context, see Annuity Rate Trends 2026.
Find Rates in Your State
Not all products are available in every state. Use our state rate pages to see exactly which carriers and products are available where you live, along with your state’s guaranty association protection limits.
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