$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.
6.15%
Premium-weighted across 2 rungs
2 carriers
100% distinct across rungs
$637,072
On $1,000,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 3-year | Canvas AnnuityCanvas Future Fund · AM Best B++ | $250,000 | 6.00% | $297,754 |
| 5-year | Mountain Life Insurance CompanyAlpine Horizon · AM Best B+ | $250,000 | 6.30% | $339,318 |
No eligible current product is available for the 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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Rates as of: August 21, 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.