$1,000,000 MYGA ladder across 3, 5, 7, and 10-year terms
A $1,000,000 MYGA ladder split across 3, 5, 7, and 10-year guaranteed terms, diversified across carriers where the live rates allow. This example is server-rendered from current rates — no form to fill out.
6.13%
Premium-weighted across 1 rung
1 carrier
100% distinct across rungs
$298,870
On $1,000,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 3-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $250,000 | 6.13% | $298,870 |
No eligible product returned for the 5, 7, 10-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.
Build your own ladder
Change the premium, terms, and state to tailor this ladder to your situation.
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$100,000 MYGA ladder across 3, 5, and 7-year terms
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Data freshness: June 10, 2026. Estimates are based on current guaranteed rates sourced 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.