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$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 ladder summary
Blended annual yield
6.53%
Premium-weighted, contract rates only
Guaranteed interest
$181,338
Earned across separate maturity dates
Carriers
2
Largest allocation 67%
Next liquidity
Year 5$136,687
Aspida Life Insurance Company matures first
Rung maturities
5-yr
$100,000 · 6.45% · Aspida Life Insurance Company
7-yr
$100,000 · 6.65% · Aspida Life Insurance Company
10-yr
$100,000 · 6.50% · 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 |
|---|---|---|---|---|
| 5-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $100,00033.3% | 6.45%Flat rate | $136,687+$36,687 interest |
| 7-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $100,00033.3% | 6.65%Flat rate | $156,937+$56,937 interest |
| 10-year | Canvas 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
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
$156,937
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.
Build your own ladder
Change the premium, terms, and state to tailor this ladder to your situation.
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Rates as of: October 23, 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.
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