Best Annuity Rates in Tennessee (2026)
Today's best MYGA rates available in Tennessee 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 | 7.20%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 | 6.80%Top Rate | 5 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 5 CA (Simple Interest) SI | 6.70% | 5 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 7 With Liquidity (Simple Interest) SI | 6.65% | 7 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 7 CA with Liquidity (Simple Interest) SI | 6.55% | 7 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 5 With Liquidity (Simple Interest) SI | 6.50% | 5 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 5 CA With Liquidity | 6.40% | 5 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 7 (Simple Interest) SI | 6.40% | 7 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 7 (Simple Interest) CA SI | 6.30% | 7 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 5 (Simple Interest) SI | 6.15% | 5 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 3 (Simple Interest) SI | 6.10%Top Rate | 3 yr | $100,000 | 0% | |
| Ibexis | MYGA Plus 5 (Simple Interest) CA SI | 6.05% | 5 yr | $100,000 | 10% | |
| Knighthead Life | Staysail 3 CA (Simple Interest) SI | 6.00% | 3 yr | $100,000 | 0% | |
| Knighthead Life | Staysail 3 With Liquidity (Simple Interest) SI | 5.95% | 3 yr | $100,000 | 10% | |
| Aspida | Synergy Choice 7 | 5.90% | 7 yr | $100,000 | 0% | |
| Sagicor Life Insurance Company | Milestone Max MYGA 7 | 5.90% | 7 yr | $75,000 | 10% | |
| Knighthead Life | Staysail 3 CA With Liquidity (Simple Interest) SI | 5.85% | 3 yr | $100,000 | 10% | |
| Aspida | Synergy Choice 5 | 5.85% | 5 yr | $100,000 | 0% | |
| Oxford Life Insurance Company | Multi-Select 6 | 5.85%Top Rate | 6 yr | $20,000 | 10% | |
| Sagicor Life Insurance Company | Milestone MYGA 7 CA | 5.85% | 7 yr | $100,000 | 10% | |
| American National Insurance Company | Palladium MYG MAX 5 | 5.80% | 5 yr | $250,000 | 0% | |
| Axonic Insurance | Waypoint 5 MYGA | 5.80% | 5 yr | $100,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 10 | 5.80%Top Rate | 10 yr | $70,000 | 10% | |
| Royal Neighbors of America | MYGA 10 Year | 5.80% | 10 yr | $100,000 | Interest Only | |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 5 | 5.75% | 5 yr | $2,500 | 10% | |
| Royal Neighbors of America | MYGA 5 Year | 5.75% | 5 yr | $100,000 | Interest Only | |
| Sagicor Life Insurance Company | Milestone Max MYGA 5 | 5.75% | 5 yr | $75,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 6 | 5.75% | 6 yr | $70,000 | 10% | |
| Sagicor Life Insurance Company | Milestone Max MYGA 6 | 5.75% | 6 yr | $75,000 | 10% | |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 7 | 5.75% | 7 yr | $2,500 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 5 | 5.70% | 5 yr | $250,000 | 10% | |
| Sagicor Life Insurance Company | Milestone MYGA 5 CA | 5.70% | 5 yr | $100,000 | 10% | |
| Sagicor Life Insurance Company | Milestone MYGA 6 CA | 5.70% | 6 yr | $100,000 | 10% | |
| Ibexis | MYGA Plus 3 (Simple Interest) SI | 5.65% | 3 yr | $100,000 | 10% | |
| American National Insurance Company | Palladium Match MYG Annuity 5 | 5.65% | 5 yr | $250,000 | 10% | |
| Athene IA | Athene Max Rate 7 | 5.65% | 7 yr | $100,000 | Interest Only | |
| Oxford Life Insurance Company | Multi-Select 7 | 5.65% | 7 yr | $20,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 10 (CA) | 5.65% | 10 yr | $70,000 | 10% | |
| American National Insurance Company | Palladium MYG MAX 3 | 5.60% | 3 yr | $250,000 | 0% | |
| Oceanview Life and Annuity | Harbourview 4 | 5.60%Top Rate | 4 yr | $70,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 4 (CA) | 5.60% | 4 yr | $70,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 6 (CA) | 5.60% | 6 yr | $70,000 | 10% | |
| Athene IA | Athene Max Rate 7 (state specific) | 5.60% | 7 yr | $100,000 | Interest Only | |
| Royal Neighbors of America | MYGA 9 Year CA | 5.60%Top Rate | 9 yr | $100,000 | Interest Only | |
| Talcott Financial Group | EverStead MYGA 10 | 5.60% | 10 yr | $500,000 | 10% | |
| Ibexis | MYGA Plus 3 (Simple Interest) CA SI | 5.55% | 3 yr | $100,000 | 10% | |
| Americo | Platinum Assure 6 | 5.55% | 6 yr | $25,000 | 5% | |
| American National Insurance Company | Palladium MYG MAX 7 | 5.55% | 7 yr | $250,000 | 0% | |
| Americo | Platinum Assure 7 | 5.55% | 7 yr | $25,000 | 5% | |
| Delaware Life | Pinnacle Plus MYGA 10 | 5.55% | 10 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 10 | 5.55% | 10 yr | $20,000 | 10% | |
| Axonic Insurance | Waypoint 3 MYGA | 5.50% | 3 yr | $100,000 | 10% | |
| Axonic Insurance | Waypoint 10 MYGA | 5.50% | 10 yr | $100,000 | 10% | |
| Lincoln Financial | Lincoln MYGuarantee Plus 10 | 5.50% | 10 yr | $100,000 | 10% | |
| Reliance Standard Life | Reliance Guarantee - 10 | 5.50% | 10 yr | $20,000 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 3 | 5.45% | 3 yr | $250,000 | 10% | |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 3 | 5.45% | 3 yr | $2,500 | 10% | |
| Oxford Life Insurance Company | Multi-Select 4 | 5.45% | 4 yr | $20,000 | 10% | |
| American National Insurance Company | Palladium MYG MAX 10 | 5.45% | 10 yr | $250,000 | 0% | |
| American National Insurance Company | Palladium Match MYG Annuity 3 | 5.40% | 3 yr | $250,000 | 10% | |
| Clear Spring Life | Preserve MYGA 6 | 5.40% | 6 yr | $100,000 | 10% | |
| Pacific Guardian Life | Diamond Head 6 | 5.40% | 6 yr | $10,000 | 10% | |
| Clear Spring Life | Preserve MYGA 8 | 5.40%Top Rate | 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% | |
| Liberty Bankers Life | Heritage Elite 9 | 5.40% | 9 yr | $10,000 | 0% | |
| Pacific Guardian Life | Diamond Head 9 | 5.40% | 9 yr | $10,000 | 10% | |
| Securian Financial | SecureOption Choice 9 | 5.40% | 9 yr | $500,000 | 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% | |
| Nationwide Life Insurance Company | Secure Growth 4 MVA | 5.35% | 4 yr | $100,000 | 10% | |
| Oxford Life Insurance Company | Multi-Select 8 | 5.35% | 8 yr | $20,000 | 10% | |
| Liberty Bankers Life | Heritage Premier 9 | 5.35% | 9 yr | $10,000 | Interest Only | |
| Athene IA | Athene Max Rate 3 | 5.30% | 3 yr | $100,000 | Interest Only | |
| Athene IA | Athene Max Rate 3 (state specific) | 5.30% | 3 yr | $100,000 | Interest Only | |
| 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% | |
| Securian Financial | SecureOption Choice 9 CA | 5.30% | 9 yr | $500,000 | 10% | |
| American National Insurance Company | Palladium MYG Annuity 10 | 5.30% | 10 yr | $250,000 | 10% | |
| Aspida | Synergy Choice 3 | 5.25% | 3 yr | $100,000 | 0% | |
| Symetra Life Insurance Company | Symetra Select Max 3 | 5.25% | 3 yr | $250,000 | Interest Only | |
| Liberty Bankers Life | Heritage Classic 9 | 5.25% | 9 yr | $10,000 | 10% | |
| Liberty Bankers Life | Heritage Premier Plus 9 | 5.25% | 9 yr | $10,000 | Interest Only | |
| Oxford Life Insurance Company | Multi-Select 9 | 5.25% | 9 yr | $20,000 | 10% | |
| American General Life Insurance Company | American Pathway VisionMYG 10 | 5.25% | 10 yr | $100,000 | 15% | |
| Corebridge Financial | American Pathway VisionMYG 10 | 5.25% | 10 yr | $100,000 | 15% | |
| Pacific Guardian Life | Diamond Head 4 | 5.20% | 4 yr | $10,000 | 10% | |
| Sagicor Life Insurance Company | Milestone Max MYGA 4 | 5.20% | 4 yr | $75,000 | 10% | |
| Sagicor Life Insurance Company | Milestone MYGA 4 CA | 5.15% | 4 yr | $100,000 | 10% | |
| Mass Mutual | Premier Voyage 6 | 5.15% | 6 yr | $1,000,000 | 10% | |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 4 Annuity | 5.10% | 4 yr | $100,000 | 10% | |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 6 | 5.10% | 6 yr | $100,000 | 10% | |
| GBU Life | Asset Guard Select 2 | 5.05%Top Rate | 2 yr | $25,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 2 | 5.05% | 2 yr | $70,000 | 10% | |
| Oceanview Life and Annuity | Harbourview 2 (CA) | 5.05% | 2 yr | $70,000 | 10% | |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 4 | 5.05% | 4 yr | $100,000 | 10% | |
| Axonic Insurance | Waypoint 2 MYGA | 5.00% | 2 yr | $100,000 | 10% | |
| Mass Mutual | Premier Voyage 4 | 5.00% | 4 yr | $1,000,000 | 10% | |
| GBU Life | Asset Guard Select 4 | 4.95% | 4 yr | $25,000 | 10% | |
| Talcott Financial Group | EverStead MYGA 4 | 4.95% | 4 yr | $500,000 | 10% | |
| American General Life Insurance Company | American Pathway VisionMYG 4 | 4.90% | 4 yr | $100,000 | 15% | |
| Corebridge Financial | American Pathway VisionMYG 4 | 4.90% | 4 yr | $100,000 | 15% | |
| American General Life Insurance Company | American Pathway VisionMYG 6 | 4.90% | 6 yr | $100,000 | 15% | |
| American National Insurance Company | Palladium MYG MAX 6 | 4.90% | 6 yr | $250,000 | 0% | |
| Corebridge Financial | American Pathway VisionMYG 6 | 4.90% | 6 yr | $100,000 | 15% | |
| American National Insurance Company | Palladium MYG Annuity 6 | 4.75% | 6 yr | $250,000 | 10% | |
| Aspida | Synergy Choice 2 | 4.35% | 2 yr | $100,000 | 0% | |
| Mass Mutual | Premier Voyage 2 | 4.25% | 2 yr | $1,000,000 | 10% | |
| Americo | Platinum Assure 2 | 4.15% | 2 yr | $25,000 | 3% | |
| Talcott Financial Group | EverStead MYGA 2 | 4.05% | 2 yr | $500,000 | 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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