Annuity rate data from AdvisorWorld and CANNEX carrier feeds

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Example MYGA ladder

$100,000 MYGA ladder across 3, 5, and 7-year terms

A $100,000 three-rung MYGA ladder across 3, 5, and 7-year guaranteed terms, using the best guaranteed rate per rung. This example uses rates and is ready to review without filling out a form.

Guaranteed through each maturity

Guaranteed ladder summary

Blended annual yield

6.38%

Premium-weighted, contract rates only

Guaranteed interest

$37,061

Earned across separate maturity dates

Carriers

3

Largest allocation 33%

Next liquidity

Year 3$40,039

Canvas Annuity matures first

Rung maturities

Guaranteed termProceeds at maturity
TodayYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7

3-yr

$33,333 · 6.30% · Canvas Annuity

$40,039

5-yr

$33,333 · 6.45% · Mountain Life Insurance Company

$45,562

7-yr

$33,333 · 6.40% · Aspida Life Insurance Company

$51,460

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

MYGA ladder products, allocations, guaranteed rates, and proceeds at each separate maturity date
TermCarrier / productPremiumComparable rateProceeds at maturity
3-yearCanvas AnnuityCanvas Future FundAM Best B++Rate effective Sep 25, 2026$33,33333.3%6.30%Flat rate$40,039+$6,705 interest
5-yearMountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 2026$33,33333.3%6.45%Flat rate$45,562+$12,229 interest
7-yearAspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 1, 2026$33,33333.3%6.40%Flat rate$51,460+$18,127 interest

Carrier concentration

Aspida Life Insurance Company$33,333 · 33%
Canvas Annuity$33,333 · 33%
Mountain Life Insurance Company$33,333 · 33%

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

$40,039

Year 5

$45,562

Year 7

$51,460

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.

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Rates as of: October 2, 2026. Estimates are based on guaranteed rates from CANNEX via AdvisorWorld and are for education only — not financial advice, a recommendation, or a carrier-approved illustration. 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.