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$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 rates allow. This example uses rates and is ready to review without filling out a form.
Guaranteed ladder summary
Blended annual yield
6.64%
Premium-weighted, contract rates only
Guaranteed interest
$518,593
Earned across separate maturity dates
Carriers
3
Largest allocation 50%
Next liquidity
Year 3$300,289
Corebridge Financial matures first
Rung maturities
3-yr
$250,000 · 6.30% · Corebridge Financial
5-yr
$250,000 · 6.65% · Knighthead Life
7-yr
$250,000 · 7.10% · Knighthead Life
10-yr
$250,000 · 6.50% · 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 | Corebridge FinancialAmerican Pathway Fixed 7 AnnuityAM Best ARate effective Oct 12, 2026 | $250,00025.0% | 6.30%Full-term annual yield · 6.30% first year / 5.70% renewal | $300,289+$50,289 interest |
| 5-year | Knighthead LifeStaysailAM Best A-Rate effective Oct 5, 2026 | $250,00025.0% | 6.65%Flat rate | $344,941+$94,941 interest |
| 7-year | Knighthead LifeStaysailAM Best A-Rate effective Oct 5, 2026 | $250,00025.0% | 7.10%Flat rate | $404,079+$154,079 interest |
| 10-year | Canvas AnnuityCanvas Future Fund 10 YearAM Best B++Rate effective Sep 25, 2026 | $250,00025.0% | 6.50%Flat rate | $469,284+$219,284 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
$300,289
Year 5
$344,941
Year 7
$404,079
Year 10
$469,284
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.
Build your own ladder
Change the premium, terms, and state to tailor this ladder to your situation.
Other example ladders
$250,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$500,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$100,000 MYGA ladder across 3 and 5-year terms
3 and 5-year terms
$250,000 5-year MYGA (single-rung)
5-year terms
$500,000 MYGA ladder across 3, 5, 7, and 10-year terms
3, 5, 7 and 10-year terms
$100,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
Rates as of: October 15, 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.
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