$250,000 MYGA ladder across 3, 5, and 7-year terms
A $250,000 multi-year guaranteed annuity ladder split evenly across 3, 5, and 7-year terms, using the highest guaranteed rate for each rung. This example uses rates and is ready to review without filling out a form.
Guaranteed ladder summary
Blended annual yield
6.32%
Premium-weighted, contract rates only
Guaranteed interest
$92,089
Earned across separate maturity dates
Carriers
2
Largest allocation 67%
Next liquidity
Year 3$99,532
Canvas Annuity matures first
Rung maturities
3-yr
$83,333 · 6.10% · Canvas Annuity
5-yr
$83,333 · 6.45% · Mountain Life Insurance Company
7-yr
$83,333 · 6.40% · 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 | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Aug 25, 2026 | $83,33333.3% | 6.10%Flat rate | $99,532+$16,199 interest |
| 5-year | Mountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 2026 | $83,33333.3% | 6.45%Flat rate | $113,906+$30,573 interest |
| 7-year | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Aug 25, 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
$99,532
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.
Build your own ladder
Change the premium, terms, and state to tailor this ladder to your situation.
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Rates as of: September 14, 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.