$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
6.45%
Premium-weighted, contract rates only
Guaranteed interest
$250,534
Earned across separate maturity dates
Carriers
3
Largest allocation 50%
Next liquidity
Year 3$150,145
Canvas Annuity matures first
Rung maturities
3-yr
$125,000 · 6.30% · Canvas Annuity
5-yr
$125,000 · 6.45% · Mountain Life Insurance Company
7-yr
$125,000 · 6.55% · 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 | Canvas AnnuityCanvas Future FundAM Best B++Rate effective Sep 25, 2026 | $125,00025.0% | 6.30%Flat rate | $150,145+$25,145 interest |
| 5-year | Mountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 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 1, 2026 | $125,00025.0% | 6.55%Flat rate | $194,888+$69,888 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
$194,888
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.
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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.