MYGA Ladder Builder
Split one premium across guaranteed terms using today’s rates. Each rung shows its guaranteed rate through its own maturity; anything beyond that is clearly labeled a scenario.
MYGA ladder plan
$250,000 · 3, 5, 7-year terms · state not selected · highest eligible rate
Guaranteed ladder summary
Blended annual yield
6.27%
Premium-weighted, contract rates only
Guaranteed interest
$91,288
Earned across separate maturity dates
Carriers
1
Largest allocation 100%
Next liquidity
Year 3$99,532
Canvas Annuity matures first
Rung maturities
3-yr
$83,333 · 6.10% · Canvas Annuity
5-yr
$83,333 · 6.30% · Canvas Annuity
7-yr
$83,333 · 6.40% · Canvas Annuity
Each bar is one contract. It compounds at its displayed rate only through its own maturity; the amounts are not one common-date portfolio value.
Guaranteed rung details
Rate effective dates shown per product
| Term | Carrier / product | Premium | Comparable rate | Proceeds at maturity |
|---|---|---|---|---|
| 3-year | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Aug 25, 2026 | $83,33333.3% | 6.10%Flat rate | $99,532+$16,199 interest |
| 5-year | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Aug 25, 2026 | $83,33333.3% | 6.30%Flat rate | $113,106+$29,773 interest |
| 7-year | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Aug 25, 2026 | $83,33333.3% | 6.40%Flat rate | $128,650+$45,317 interest |
Carrier concentration
Multiple insurers reduce concentration but do not remove insurer credit risk. Annuities are not FDIC-insured; guarantees depend on each issuer’s claims-paying ability.
Maturity timeline
Year 3
$99,532
Year 5
$113,106
Year 7
$128,650
Each amount is available only at its own maturity. Earlier access can be limited by surrender charges, a market value adjustment, and contract withdrawal rules.
Illustrative scenario — not guaranteed
If every maturity is reinvested through year 10
Rates 1 point lower · 3.00%
$394,113
Common-horizon scenario value
Your assumption · 4.00%
$413,302
Common-horizon scenario value
Rates 1 point higher · 5.00%
$433,336
Common-horizon scenario value
Only each rung’s value through its first stated maturity uses today’s contract rate. Every dollar after that depends on the renewal rate you set and assumes immediate reinvestment with no withdrawals or taxes.
Tax and eligibility context
For nonqualified money, interest generally grows tax-deferred until withdrawn; taxable gain is generally ordinary income, not capital gain. The age entered is 59½ or older, but contract surrender charges and ordinary-income tax can still apply.
State narrows the rate query; premium bands and the AM Best floor are applied. The feed does not supply complete issue-age, surrender-charge, MVA, or free-withdrawal rules for every row, so those stay “confirm before purchase” items rather than inferred eligibility.
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Current contract-rate math
Each rung compounds its displayed comparable annual rate only through that rung’s initial guarantee term. Rates come from the current CANNEX-backed AdvisorWorld feed and are narrowed by the premium and state you enter. Product links lead to the relevant AnnuityRatesHQ research page when a reviewed mapping exists.
Future outcomes are scenarios
Future renewal rates, reinvestment, taxes, withdrawals, and early-exit costs are unknowable today. The common-horizon comparison keeps those assumptions in a separate blue scenario panel; it never describes them as guaranteed.
For contract mechanics, see the NAIC Buyer’s Guide to Deferred Annuities. For federal tax rules, see IRS Publication 575.
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Example MYGA ladders
$250,000
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$1,000,000
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Estimates are based on current guaranteed rates sourced from CANNEX via AdvisorWorld and are for education only. A “highest rate” selection is a mechanical sort of the displayed eligible feed, not a recommendation or claim that a product is best for you. Rates change and vary by state, age, premium band, and contract version. Confirm the actual rate, issue-age eligibility, surrender schedule, market-value adjustment, free-withdrawal rules, renewal options, and tax treatment before acting. Guarantees are backed solely by the issuing insurer’s claims-paying ability; annuities are not FDIC-insured.