Hypothetical rollover amount
$250,000
User-entered maturity proceeds less the user-entered planned withdrawal.
Free · live MYGA data · no gate
Turn a MYGA maturity date into a live rollover comparison
Separate your hypothetical proceeds and cash need from current MYGA alternatives for the same state, premium, and term. A renewal notice and tax outcome still need to be confirmed separately.
Inputs
Your maturity figures
Live data
Current CANNEX MYGA rates
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Leading eligible current rate
7.45%
5-year MYGA · TX · current CANNEX alternatives, not a renewal quote.
Illustrative term-end value
$358,073
Current leading guaranteed rate compounded over 5 years with no withdrawals; hypothetical, not a carrier illustration.
Illustrative first-year difference
$8,625
Leading current rate versus the user-entered 4% existing rate on the same rollover amount.
Current eligible 5-year MYGA alternatives
Ranked by guaranteed rate among alternatives available for the selected term, premium, and state. Higher rate alone does not decide suitability.
#1 current alternative
Atlantic Coast Life
Safe Harbor Bonus Guarantee · AM Best B
Guaranteed rate
7.45%
Hypothetical 5-year value
$358,073
#2 current alternative
Atlantic Coast Life
Safe Haven Bonus Guarantee · AM Best B
Guaranteed rate
6.7%
Hypothetical 5-year value
$345,750
#3 current alternative
Knighthead Life
Staysail · AM Best A-
Guaranteed rate
6.45%
Hypothetical 5-year value
$341,718
Live MYGA data as of July 16, 2026, based on the verified source date. Rates vary by state, premium band, issue age, product version, and carrier. Guarantees depend on the issuing insurer's claims-paying ability and are not FDIC-insured.
Planning examples
Explore maturity and rollover scenarios
$100,000 MYGA maturity rollover to a 3-year term in Texas
A planning example using hypothetical $100,000 maturity proceeds, a user-entered 3.5% existing rate, and current eligible 3-year Texas MYGA alternatives.
$250,000 MYGA maturity rollover to a 5-year term in Texas
A $250,000 MYGA maturity example comparing a hypothetical 4% existing rate with current eligible 5-year Texas alternatives.
$500,000 MYGA maturity rollover to a 7-year term in Texas
A $500,000 MYGA maturity example using a user-entered 4.25% existing rate and current eligible 7-year Texas alternatives.
$250,000 MYGA maturity with a $25,000 withdrawal in Florida
A Florida planning example that leaves a hypothetical $225,000 for a 5-year rollover comparison after a $25,000 withdrawal.
$500,000 MYGA maturity with a $50,000 withdrawal in Florida
A Florida example comparing current eligible 7-year alternatives for a hypothetical $450,000 rollover amount.
$100,000 MYGA maturity with a $10,000 withdrawal in Florida
A Florida example that treats the $10,000 withdrawal and existing 3.25% rate as visitor-entered hypotheses.
$250,000 MYGA maturity rollover to a 3-year term in California
A California maturity example using hypothetical proceeds and current eligible 3-year MYGA alternatives.
$500,000 MYGA maturity rollover to a 5-year term in California
A California example comparing a user-entered 4.5% existing rate with current eligible 5-year MYGA alternatives.
$300,000 MYGA maturity with a $30,000 withdrawal in California
A California example applying current eligible 7-year MYGA rates to a hypothetical $270,000 rollover amount.
$1,000,000 MYGA maturity rollover to a 5-year term in New York
A New York example using hypothetical $1,000,000 proceeds and current eligible 5-year MYGA alternatives.
$200,000 MYGA maturity rollover to a 2-year term in Pennsylvania
A Pennsylvania example for a shorter hypothetical 2-year replacement term with current eligible MYGA alternatives.
$750,000 MYGA maturity with a $100,000 withdrawal in Virginia
A Virginia example applying current eligible 10-year MYGA alternatives to a hypothetical $650,000 rollover amount.
Methodology
How the live rollover comparison works
Inputs stay hypothetical. Maturity proceeds, existing contract rate, planned cash withdrawal, months to maturity, state, and replacement term come from the visitor. The tool has no access to a contract or carrier account.
Data source and refresh. CANNEX via AdvisorWorld supplies the carrier, product, AM Best rating, guaranteed rate, state, premium, and term eligibility. Current MYGA data is checked regularly, and the tool clearly says when alternatives are temporarily unavailable.
Eligibility before ranking. Only MYGAs with guaranteed rates from 2%–9% are included. The result ranks alternatives available for the selected term, premium, and state.
Transparent arithmetic. Rollover amount = user-entered maturity proceeds − planned withdrawal. Projected value = rollover amount × (1 + current guaranteed rate)term. The first-year difference applies both rates to the same hypothetical amount; it is not a tax or suitability analysis.
Source dates. An as-of date appears only when CANNEX supplies a verified source date.
How to cite this tool
Cite the hypothetical details and source date
“AnnuityRatesHQ Maturity & Rollover Report, [maturity proceeds], [planned withdrawal], [existing user-entered rate], [term and state], current eligible MYGA alternatives from CANNEX via AdvisorWorld, [visible verified date], [exact permalink].”
Call the current contract figures visitor-entered and the term-end values hypothetical projections. Do not describe the leading alternative as advice, a renewal offer, a replacement recommendation, or a binding quote. If no verified date is visible, do not invent one.
Maturity planning checklist
The tool does not infer these contract facts. Confirm each one before acting.
Carrier notice
Obtain the actual maturity or renewal notice and verify the response deadline.
Liquidity terms
Confirm the surrender-free window, market-value adjustment, free-withdrawal rules, and any automatic renewal.
Tax handling
Verify qualified or nonqualified status and exchange handling before taking receipt of funds.
Replacement details
Confirm issue age, state approval, premium band, exact rate, carrier rating, and contract form.
Frequently asked questions
Does this tool know my renewal rate or surrender-free window?
No. Maturity proceeds, existing rate, planned withdrawal, and months to maturity are visitor-entered hypotheses. Confirm the carrier notice, contract maturity date, renewal terms, surrender-free window, and any market-value adjustment directly from the contract and carrier.
What live data does the report use?
It uses current MYGA alternatives from CANNEX via AdvisorWorld for the selected term, state, and hypothetical rollover premium. Only MYGAs with guaranteed rates from 2%–9% are included; other product types and implausible values are left out.
Is the projected value a carrier illustration?
No. It is transparent hypothetical arithmetic: rollover amount multiplied by one plus the current guaranteed rate, compounded for the selected term. It assumes no withdrawals and does not model taxes, surrender charges, bonuses, market-value adjustments, or a future renewal.
Does the leading current rate mean I should exchange or replace my contract?
No. Rate rank is not a recommendation. Carrier strength, liquidity, tax status, exchange handling, issue age, state version, premium band, product features, and the existing contract can change the decision.
How current are the alternatives?
Current MYGA data is checked regularly. An as-of label appears only when CANNEX supplies a verified source date.
Can I cite or embed the result?
Yes. The permalink preserves every hypothetical input, and the embed code includes a visible source link to the same result. Live alternatives can change, so include the verified source date when one is shown.