$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.
6.32%
Premium-weighted across 3 rungs
3 carriers
100% distinct across rungs
$473,818
On $300,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 5-year | Mountain Life Insurance CompanyAlpine Horizon · AM Best B+ | $100,000 | 6.30% | $135,727 |
| 7-year | Aspida Life Insurance CompanyAspida Advisory MYGA · AM Best A- | $100,000 | 6.35% | $153,873 |
| 10-year | Canvas AnnuityCanvas Future Fund 10 Year · AM Best B++ | $100,000 | 6.30% | $184,218 |
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 17, 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.