Working Papers · Forge AI™ from AdvisorWorld
See a custom 16-page look at annuity choices, modeled outcomes, and tradeoffs.
ChatGPT plugin is live. Research rates and products in your chat. Claude coming soon.
Free personalized report
What would you like your money to do?
Choose a goal to start your report. We’ll carry your answer into the next step.
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
6.38%
Premium-weighted, contract rates only
Guaranteed interest
$92,653
Earned across separate maturity dates
Carriers
3
Largest allocation 33%
Next liquidity
Year 3$100,096
Canvas Annuity matures first
Rung maturities
3-yr
$83,333 · 6.30% · Canvas Annuity
5-yr
$83,333 · 6.45% · Mountain Life Insurance Company
7-yr
$83,333 · 6.40% · Aspida Life Insurance Company
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 Sep 25, 2026 | $83,33333.3% | 6.30%Flat rate | $100,096+$16,763 interest |
| 5-year | Mountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Oct 16, 2026 | $83,33333.3% | 6.45%Flat rate | $113,906+$30,573 interest |
| 7-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 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
$100,096
Year 5
$113,906
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%
$395,734
Common-horizon scenario value
Your assumption · 4.00%
$415,018
Common-horizon scenario value
Rates 1 point higher · 5.00%
$435,151
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.
Want a person to validate the contract details?
The calculator stays free and open. Optionally request a licensed review before acting; that separate request asks for contact information.
Request an optional reviewWhat this calculator does—and does not—claim
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.
Publish this calculator on your site
Build free copy-paste MYGA ladder embed code with visible source attribution.
Example MYGA ladders
$250,000
$500,000
$100,000
$250,000
$500,000
$1,000,000
$100,000
$300,000
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.
Free personalized report
What would you like your money to do?
Choose a goal to start your report. We’ll carry your answer into the next step.