Kentucky · updated July 8, 2026

Kentucky fixed annuity rates & guaranty limit.

In Kentucky, the state guaranty association covers annuity contract value up to <strong>$250,000</strong> per owner per insurer. Below are the highest guaranteed rates filed for sale to Kentucky residents — up to <strong>6.30% APY</strong>.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the Kentucky guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →

Available in Kentucky

Top rates filed in your state.

603 products · updated July 8, 2026

# Carrier Product Term Rate (APY) Min
1 Mountain Life Alpine Horizon fixed annuity rate 5-yr 6.30% $5,000 View rate
2 Sentinel Security Personal Choice fixed annuity rate 10-yr 6.25% $2,500 View rate
3 Sentinel Security Personal Choice fixed annuity rate 7-yr 6.25% $2,500 View rate
4 Sentinel Security Personal Choice fixed annuity rate 5-yr 6.25% $2,500 View rate
5 Heartland National Secure Rate Pro (7-10) fixed annuity rate 10-yr 6.15% $5,000 View rate
6 Heartland National Secure Rate Pro (7-10) fixed annuity rate 7-yr 6.10% $5,000 View rate
7 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 10-yr 6.10% $5,000 View rate
8 Heartland National Secure Rate Pro (3-5) fixed annuity rate 5-yr 6.10% $5,000 View rate
9 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
10 Mountain Life Alpine Horizon with 10% Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
11 Mountain Life Alpine Horizon with RMD Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
12 Farmers Life Safeguard Plus fixed annuity rate 10-yr 6.05% $10,000 View rate
13 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 7-yr 6.05% $5,000 View rate
14 Heartland National Secure Rate Pro (3-5) with RMD Rider fixed annuity rate 5-yr 6.05% $5,000 View rate
15 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 10-yr 6.05% $5,000 View rate
16 Mountain Life Alpine Horizon fixed annuity rate 4-yr 6.05% $5,000 View rate
17 American Century Freedom Max Growth fixed annuity rate 10-yr 6.05% $5,000 View rate
18 Farmers Life Safeguard Plus fixed annuity rate 5-yr 6.00% $10,000 View rate
19 American Gulf Anchor MYGA fixed annuity rate 5-yr 6.00% $10,000 View rate
20 American Gulf Anchor MYGA fixed annuity rate 6-yr 6.00% $10,000 View rate
21 Sentinel Security Personal Choice fixed annuity rate 3-yr 6.00% $2,500 View rate
22 Heartland National Secure Rate Pro (3-5) with Interest Withdrawal Rider fixed annuity rate 5-yr 6.00% $5,000 View rate
23 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 7-yr 6.00% $5,000 View rate
24 American Century Freedom Max Growth fixed annuity rate 5-yr 6.00% $5,000 View rate
25 American Century Freedom Max Growth fixed annuity rate 7-yr 6.00% $5,000 View rate
26 Mountain Life Alpine Horizon fixed annuity rate 3-yr 6.00% $5,000 View rate
27 Mountain Life Secure Summit fixed annuity rate 8-yr 6.00% $5,000 View rate
28 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 6.00% $25,000 View rate
29 Revol One DirectGrowth MYGA fixed annuity rate 10-yr 6.00% $25,000 View rate
30 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 6.00% $25,000 View rate
31 Farmers Life Safeguard Plus fixed annuity rate 7-yr 5.95% $10,000 View rate
32 American Century Freedom Max Growth with Required Minimum fixed annuity rate 10-yr 5.95% $5,000 View rate
33 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 10-yr 5.95% $5,000 View rate
34 Atlantic Coast Safe Harbor fixed annuity rate 10-yr 5.91% $5,000 View rate
35 Atlantic Coast Safe Harbor fixed annuity rate 5-yr 5.91% $5,000 View rate
36 Atlantic Coast Safe Harbor fixed annuity rate 6-yr 5.90% $5,000 View rate
37 Atlantic Coast Safe Haven fixed annuity rate 5-yr 5.90% $5,000 View rate
38 Atlantic Coast Safe Haven fixed annuity rate 10-yr 5.90% $5,000 View rate
39 American Century Freedom Max Growth with Required Minimum fixed annuity rate 5-yr 5.90% $5,000 View rate
40 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 7-yr 5.90% $5,000 View rate

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Fixed annuity rates by insurer.

76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.

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Fixed annuity rates by state.

Each state's guaranty coverage limit and the top annuity rates filed for sale there.

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