Annuity rate data from AdvisorWorld and CANNEX carrier feeds

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Example MYGA ladder

$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.

Guaranteed through each maturity

Guaranteed ladder summary

Blended annual yield

6.50%

Premium-weighted, contract rates only

Guaranteed interest

$180,311

Earned across separate maturity dates

Carriers

3

Largest allocation 33%

Next liquidity

Year 5$136,687

Mountain Life Insurance Company matures first

Rung maturities

Guaranteed termProceeds at maturity
TodayYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10

5-yr

$100,000 · 6.45% · Mountain Life Insurance Company

$136,687

7-yr

$100,000 · 6.55% · Aspida Life Insurance Company

$155,910

10-yr

$100,000 · 6.50% · Canvas Annuity

$187,714

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

MYGA ladder products, allocations, guaranteed rates, and proceeds at each separate maturity date
TermCarrier / productPremiumComparable rateProceeds at maturity
5-yearMountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 2026$100,00033.3%6.45%Flat rate$136,687+$36,687 interest
7-yearAspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 1, 2026$100,00033.3%6.55%Flat rate$155,910+$55,910 interest
10-yearCanvas AnnuityCanvas Future Fund 10 YearAM Best B++Rate effective Sep 25, 2026$100,00033.3%6.50%Flat rate$187,714+$87,714 interest

Carrier concentration

Mountain Life Insurance Company$100,000 · 33%
Aspida Life Insurance Company$100,000 · 33%
Canvas Annuity$100,000 · 33%

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

$136,687

Year 7

$155,910

Year 10

$187,714

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.

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Rates as of: October 2, 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.