$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.
7.13%
Premium-weighted across 2 rungs
1 carrier
50% distinct across rungs
$331,310
On $500,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 3-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $125,000 | 6.80% | $152,273 |
| 5-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $125,000 | 7.45% | $179,037 |
No eligible current product is available for the 7, 10-year term(s) at this premium — those rungs were left out.
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: July 31, 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.