Today’s MYGA Rates Available in Kansas

Multi-year guaranteed annuity (MYGA) rates change frequently and availability varies by state. Rather than show a snapshot that goes stale, we maintain a live comparison of 2,400+ products from 60+ carriers, updated from industry rate feeds.

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Filter by term, carrier rating, and minimum premium — then connect with a licensed Kansas agent about any rate you see.

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Rates are subject to change and are not guaranteed until a policy is issued and accepted. Not FDIC-insured. Not a deposit. Guarantees are subject to the claims-paying ability of the issuing insurer. Product availability varies by state.
Tax information is compiled from publicly available state sources and was last reviewed in June 2026. Verify current rules with the state revenue department or a qualified tax professional.

How Kansas taxes annuity income

Kansas applies graduated income tax rates (top rate 5.58% under the state's 2024 tax reform) to the taxable portion of annuity distributions. Qualified annuity distributions (IRA or 401(k) rollovers) are fully taxable as ordinary income; non-qualified annuities are taxed only on the earnings portion under exclusion-ratio rules. Public pension income (KPERS and similar) is exempt, but private annuities and IRA distributions generally are not.

One major recent change: as of the 2024 tax year, Kansas no longer taxes Social Security benefits at any income level — the prior $75,000 AGI cliff was eliminated. Federal income tax and the 10% federal early-withdrawal penalty (before age 59½) apply as usual.

Source: Kansas Department of Revenue

This information is for general educational purposes only and does not constitute tax advice. Tax laws change frequently. Consult a qualified tax professional for advice specific to your situation. Annuity.com does not provide tax, legal, or accounting advice.
Regulatory information is summarized from official state sources cited below and was last reviewed in June 2026. Always verify current requirements with the Kansas Insurance Department.

Kansas Annuity Regulations

Free Look Period: At least 10 days; see your contract's cover page

Kansas annuity contracts include a free look period — a window after delivery during which you may return the contract for a full refund with no surrender charges. The minimum period is at least 10 days for most contracts, with the exact terms stated on your contract's cover page.

Carriers may offer longer periods than the state minimum. Confirm current requirements with the Kansas Insurance Department.

Source: Kansas Insurance Department — consumer resources

Best Interest Standard: Adopted — effective January 1, 2024

Effective January 1, 2024, Kansas holds producers to the NAIC best-interest standard of conduct when recommending an annuity (Kan. Admin. Regs. 40-1-53). The producer must act in the consumer's best interest — satisfying care, disclosure, conflict-of-interest, and documentation obligations — and may not place their own financial interest ahead of the consumer's. Producers must complete a 4-hour best-interest training course before selling annuities, and insurers must maintain supervision systems.

Source: Kan. Admin. Regs. 40-1-53 — Kansas Insurance Department

Replacement Rules

Kansas requires consumer protections when an existing annuity or life insurance policy is replaced:

  • A written replacement notice identifying the contracts being replaced and disclosing surrender charges, benefits, and features being given up.
  • Notification to the existing insurer.
  • A documented best-interest basis for the recommendation under Kan. Admin. Regs. 40-1-53.

Source: Kansas Insurance Department — consumer resources

Regulatory information is summarized for educational purposes and may not reflect the most recent legislative or administrative changes. This content does not constitute legal advice. Consult the Kansas Insurance Department or a qualified insurance professional for the most current requirements.

Annuity Agents in Kansas

Licensed annuity agents serve Kansas through the Annuity.com network.

Agents Licensed in Kansas

Brett Blake
Brett Blake, MBA
Licensed Agent · 2 years
MBA
Gilbert, Arizona
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Wesley Heberling
Wesley Heberling
Licensed Agent · 2 years
Benicia, California
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Mark Shelby
Mark Shelby
Licensed Agent
AIF®, Accredited Investment FiduciaryCF2®, Certified Financial Fiduciary
Williamsburg, Virginia
View Profile

Related Resources

MYGA Guide: How Multi-Year Guaranteed Annuities WorkFixed Annuities ExplainedWhat Is Your Number? — Retirement Income CalculatorAnnuity Glossary — Every Term DefinedHow Annuities Are Taxed — Qualified vs. Non-QualifiedFor Agents: Serve Kansas Clients with Annuity.com

Frequently Asked Questions

Does Kansas tax annuity income?

Yes. Kansas applies graduated rates (top rate 5.58% under the 2024 reform) to the taxable portion of annuity distributions. Public pensions like KPERS are exempt, but private annuities and IRA distributions generally are not. As of 2024, Social Security benefits are fully exempt at any income level.

Does Kansas still tax Social Security benefits?

No. Beginning with the 2024 tax year, Kansas eliminated its tax on Social Security benefits entirely, removing the prior $75,000 AGI threshold. Annuity income remains taxable, making the interplay between the two worth planning around.

What is the free look period for annuities in Kansas?

Kansas annuity contracts include a free look period of at least 10 days for most contracts, with the exact period stated on your contract's cover page. During this window you may return the contract for a full refund.

Does Kansas require annuity agents to act in my best interest?

Yes. Effective January 1, 2024, Kansas holds producers to the NAIC best-interest standard (Kan. Admin. Regs. 40-1-53). Agents must act in the consumer's best interest and complete a 4-hour best-interest training course.

How do I verify a Kansas annuity agent's license?

Use the Kansas Insurance Department license lookup at insurance.kansas.gov to confirm any agent holds an active Kansas insurance license.

Data Disclosure: State-specific regulatory and tax information presented on this page is compiled from the official sources cited inline, including state insurance department publications, state statutes, and state revenue department resources. This information is provided for educational purposes only and may not reflect the most recent changes. Verify all details with the appropriate state regulatory body or a licensed professional before making any financial decision.

Our Agents are licensed to sell insurance products, including annuity products that guarantee retirement income based on the financial strength of the insurance company providing the product. Product availability varies by state. Annuities may not be suitable for everyone.

Guarantees are not government-backed or provided by Annuity.com, Inc. Annuities are not deposits, not insured by the FDIC or any federal government agency, and not guaranteed by any bank or savings association.

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