$250,000 5-year MYGA (single-rung)
A $250,000 allocation to the highest 5-year multi-year guaranteed annuity rate — the single-rung baseline a ladder is measured against. This example uses rates and is ready to review without filling out a form.
Guaranteed ladder summary
Blended annual yield
6.45%
Premium-weighted, contract rates only
Guaranteed interest
$91,718
Earned across separate maturity dates
Carriers
1
Largest allocation 100%
Next liquidity
Year 5$341,718
Mountain Life Insurance Company matures first
Rung maturities
5-yr
$250,000 · 6.45% · Mountain Life Insurance Company
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 |
|---|---|---|---|---|
| 5-year | Mountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 2026 | $250,000100.0% | 6.45%Flat rate | $341,718+$91,718 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 5
$341,718
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.