$300,000 MYGA ladder across 5, 7, and 10-year terms
A $300,000 longer MYGA ladder across 5, 7, and 10-year guaranteed terms for savers prioritizing a higher blended guaranteed yield over near-term liquidity. This example uses rates and is ready to review without filling out a form.
8.00%
Premium-weighted across 3 rungs
1 carrier
33% distinct across rungs
$542,748
On $300,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 5-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $100,000 | 7.45% | $143,229 |
| 7-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $100,000 | 7.90% | $170,275 |
| 10-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $100,000 | 8.65% | $229,244 |
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 3, 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.