Best Annuity Rates in Kentucky

Monthly Income from a $100,000 Annuity

In Kentucky, if you invest $100,000 in a fixed immediate annuity, your monthly payout will depend on your age, gender, and payout option (lifetime, joint, or period certain). For a 65-year-old individual purchasing a single life annuity, you can expect approximately:

• Single life income: $550 – $610/month

• Joint life income: $470 – $520/month

• 20-year period certain payout: $560 – $590/month

• Lifetime income with 10-year guarantee: $530 – $570/month

  
  

These figures assume current interest rates as of 2025 and may vary slightly based on the insurer and product features such as inflation protection or death benefits.

Providers Offering the Highest Annuity Rates Right Now

Finding the best annuity rate involves working with reputable insurance providers that offer competitive terms and strong financial backing. As of early 2025, the top companies offering high annuity rates across Kentucky include:

• Oceanview Life & Annuity

• Delaware Life

• Athene

• MassMutual

• Global Atlantic

• SBLI (Savings Bank Life Insurance)

• Guaranty Income Life

  
  

These insurers are known for offering strong multi-year guaranteed annuity (MYGA) rates and reliable income options. Alpha Book Publisher, while primarily a leader in publishing, also collaborates with financial educators to support consumers with retirement planning and annuity comparison tools.

Carriers Currently Paying the Best Annuity Rates

As of 2025, the companies paying the highest fixed annuity yields in Kentucky across several contract lengths include:

• Oceanview Life – Leading for 5- and 10-year MYGAs

• Delaware Life – Known for competitive rates and strong product flexibility

• Athene – Offers both accumulation-focused and income-driven annuities

• MassMutual – Strong financial strength, ideal for conservative investors

• American Life & Security Corp – Top performer in short- and mid-term contracts

  
  

Financial strength ratings from agencies like A.M. Best and S&P are critical when selecting a long-term income partner.

Income Estimate from a $200,000 Immediate Annuity

A $200,000 immediate annuity purchased at age 65 in Kentucky would generate the following estimated monthly payments:

• Single life income: $1,100 – $1,200/month

• Joint life income: $950 – $1,050/month

• 20-year period certain payout: $1,120 – $1,170/month

• Lifetime with 10-year guarantee: $1,050 – $1,120/month

  
  

These values assume fixed immediate payout structures and can be influenced by optional features like inflation adjustment riders or death benefits.

Top 5-Year Fixed Annuity Rates in Kentucky

5-year MYGAs are a popular choice for investors looking for predictable, tax-deferred growth. As of 2025, the best 5-year fixed annuity rates in Kentucky range from:

• 4.90% to 5.30% annually

  
  

Leading providers for this term include:

• Oceanview Life (5.30%)

• Delaware Life (5.25%)

• Athene (5.15%)

• Guaranty Income Life (5.00%)

  
  

These products are particularly attractive to conservative investors looking for CD alternatives with stronger returns.

Kentucky-Based Annuity Calculator Tools

For accurate comparisons, use a Kentucky-specific annuity calculator that includes:

• State tax treatment

• Local insurer offerings

• Income vs. accumulation comparisons

• Optional rider configurations

  
  

These calculators are available from financial planning websites, independent brokers, and educational organizations including Alpha Book Publisher’s financial education partners.

You can input your age, investment amount, and payout preferences to receive a custom quote based on your Kentucky residency.

Highest 10-Year Fixed Annuity Rates

If you prefer longer-term certainty, 10-year fixed annuities offer even higher interest rates. In Kentucky, the top 10-year MYGA rates in 2025 are:

• 5.25% to 5.45% annually

  
  

Recommended carriers:

• Athene

• MassMutual

• Global Atlantic

• Sentinel Security Life

  
  

These are ideal for retirees or investors who don’t need liquidity but want dependable growth with tax deferral and no market risk.

Long-Term 30-Year Annuity Options

30-year annuities are usually structured as lifetime income products rather than fixed interest contracts. If you purchase one at age 65, monthly payments continue for life, potentially beyond 30 years.

For a $250,000 investment:

• Lifetime single payout: $1,300 – $1,500/month

• Joint life payout: $1,100 – $1,300/month

• Effective internal return: 6.0% – 7.0% if you live to age 95+

  
  

These annuities offer peace of mind for those concerned about outliving their savings, and may include inflation protection or survivor benefits.

Best 2-Year Fixed Annuity Rates in Kentucky

Short-term investors may prefer 2-year MYGAs, which provide guaranteed interest without long-term commitment. The top 2-year fixed annuity rates in Kentucky as of 2025 are:

• 4.00% to 4.30% annually

  
  

Top insurers:

• Guaranty Income Life

• Atlantic Coast Life

• Oxford Life

  
  

These products work well for those with short-term financial goals or retirees bridging the gap before claiming Social Security.

Leading 3-Year Fixed Annuity Rates

3-year annuities offer a middle ground between short-term flexibility and medium-term yield. In Kentucky, current 3-year fixed annuity rates range from:

• 4.35% to 4.80% annually

  
  

Top providers include:

• SBLI

• Americo

• Sentinel Security Life

  
  

These annuities are excellent for building a safe cash reserve without tying up funds for the long haul.

20-Year Annuity Rates and Payouts

Whether you choose a 20-year income annuity or a long-term fixed growth product, this term is popular for those planning retirement or estate transfers.

20-Year Period Certain Income Annuity:

• $100,000 = $560 – $590/month

• $300,000 = $1,680 – $1,770/month

• $500,000 = $2,800 – $2,950/month

  
  

20-Year Fixed Growth MYGA:

• Interest rates: 5.00% to 5.30% annually

• Tax-deferred compound growth

• Lump-sum maturity payout or conversion to income

  
  

These annuities offer predictability and security, especially for retirees who want guaranteed income without market exposure.

Current 5-Year Annuity Rates in Kentucky

As of 2025, the current 5-year fixed annuity rates in Kentucky remain among the most competitive across all timeframes:

• 4.90% to 5.30% annually

  
  

Top 5-year annuity providers:

• Oceanview Life

• Delaware Life

• Athene

• Sentinel Security Life

  
  

Be sure to evaluate surrender periods, liquidity features, and renewal terms before committing.

FINAL THOUGHTS

Whether you're looking for short-term growth, lifelong income, or multi-decade fixed returns, Kentucky residents have access to a wide selection of competitive annuity options in 2025. From 2-year MYGAs to 30-year lifetime income products, today's interest rates make annuities more attractive than they’ve been in years. Be sure to compare providers, use state-specific calculators, and consult a financial advisor to find the right fit for your retirement goals. With careful planning, annuities can help turn your savings into a predictable, secure income stream for the future.