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$500,000 MYGA ladder across 3, 5, 7, and 10-year terms
A $500,000 four-rung MYGA ladder spanning 3, 5, 7, and 10-year guaranteed terms for maturities roughly every couple of years. This example uses rates and is ready to review without filling out a form.
Guaranteed ladder summary
Blended annual yield
6.47%
Premium-weighted, contract rates only
Guaranteed interest
$251,818
Earned across separate maturity dates
Carriers
3
Largest allocation 50%
Next liquidity
Year 3$150,145
Corebridge Financial matures first
Rung maturities
3-yr
$125,000 · 6.30% · Corebridge Financial
5-yr
$125,000 · 6.45% · Aspida Life Insurance Company
7-yr
$125,000 · 6.65% · Aspida Life Insurance Company
10-yr
$125,000 · 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 |
|---|---|---|---|---|
| 3-year | Corebridge FinancialAmerican Pathway Fixed 7 AnnuityAM Best ARate effective Oct 19, 2026 | $125,00025.0% | 6.30%Full-term annual yield · 6.30% first year / 5.70% renewal | $150,145+$25,145 interest |
| 5-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $125,00025.0% | 6.45%Flat rate | $170,859+$45,859 interest |
| 7-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $125,00025.0% | 6.65%Flat rate | $196,172+$71,172 interest |
| 10-year | Canvas AnnuityCanvas Future Fund 10 YearAM Best B++Rate effective Sep 25, 2026 | $125,00025.0% | 6.50%Flat rate | $234,642+$109,642 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 3
$150,145
Year 5
$170,859
Year 7
$196,172
Year 10
$234,642
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.
Other example ladders
$250,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$500,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$100,000 MYGA ladder across 3 and 5-year terms
3 and 5-year terms
$250,000 5-year MYGA (single-rung)
5-year terms
$1,000,000 MYGA ladder across 3, 5, 7, and 10-year terms
3, 5, 7 and 10-year terms
$100,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
Rates as of: October 20, 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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