MYGA Ladder Builder
Build an optimized multi-year guaranteed annuity ladder from live rates. Set your premium, terms, and minimum AM Best rating — the builder allocates each rung to the highest current eligible guaranteed rate and shows the maturity timeline, blended yield, and carrier diversification. Free, no sign-up.
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Build free copy-paste MYGA ladder embed code with visible source attribution.
6.00%
Premium-weighted across 1 rung
1 carrier
100% distinct across rungs
$99,251
On $250,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 3-year | Canvas AnnuityCanvas Future Fund · AM Best B++ | $83,333 | 6.00% | $99,251 |
No eligible current product is available for the 5, 7-year term(s) at this premium — those rungs were left out.
Maturity timeline
Each rung matures at the end of its guaranteed term. Staggered maturities give you periodic access to principal and a chance to reprice into then-current rates.
Example MYGA ladders
Prepared examples for common premiums and term mixes, each with a complete ladder.
$250,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
View ladder$500,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
View ladder$100,000 MYGA ladder across 3 and 5-year terms
3 and 5-year terms
View ladder$250,000 5-year MYGA (single-rung)
5-year terms
View ladder$500,000 MYGA ladder across 3, 5, 7, and 10-year terms
3, 5, 7 and 10-year terms
View ladder$1,000,000 MYGA ladder across 3, 5, 7, and 10-year terms
3, 5, 7 and 10-year terms
View ladder$100,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
View ladder$300,000 MYGA ladder across 5, 7, and 10-year terms
5, 7 and 10-year terms
View ladderEstimates are based on current guaranteed rates sourced from CANNEX via AdvisorWorld and are for education only. They are not financial advice, a recommendation, or a carrier-approved illustration. Rates change and vary by state and premium band; a licensed financial professional must confirm the actual rate, terms, state availability, and fit before you act. Guarantees are backed by the issuing insurance company, not AnnuityRatesHQ.