Annuity rate data from AdvisorWorld and CANNEX carrier feeds

Check the data date shown with any rate before you rely on it. View current rates

Example MYGA ladder

$500,000 MYGA ladder across 3, 5, and 7-year terms

A $500,000 MYGA ladder staggered across 3, 5, and 7-year guaranteed terms for laddered liquidity and a blended guaranteed yield. This example uses rates and is ready to review without filling out a form.

Guaranteed through each maturity

Guaranteed ladder summary

Blended annual yield

6.43%

Premium-weighted, contract rates only

Guaranteed interest

$187,855

Earned across separate maturity dates

Carriers

3

Largest allocation 33%

Next liquidity

Year 3$200,193

Canvas Annuity matures first

Rung maturities

Guaranteed termProceeds at maturity
TodayYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7

3-yr

$166,667 · 6.30% · Canvas Annuity

$200,193

5-yr

$166,667 · 6.45% · Mountain Life Insurance Company

$227,812

7-yr

$166,667 · 6.55% · Aspida Life Insurance Company

$259,850

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

MYGA ladder products, allocations, guaranteed rates, and proceeds at each separate maturity date
TermCarrier / productPremiumComparable rateProceeds at maturity
3-yearCanvas AnnuityCanvas Future FundAM Best B++Rate effective Sep 25, 2026$166,66733.3%6.30%Flat rate$200,193+$33,526 interest
5-yearMountain Life Insurance CompanyAlpine HorizonAM Best B-Rate effective Sep 14, 2026$166,66733.3%6.45%Flat rate$227,812+$61,146 interest
7-yearAspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 1, 2026$166,66733.3%6.55%Flat rate$259,850+$93,183 interest

Carrier concentration

Aspida Life Insurance Company$166,667 · 33%
Canvas Annuity$166,667 · 33%
Mountain Life Insurance Company$166,667 · 33%

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

$200,193

Year 5

$227,812

Year 7

$259,850

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.

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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.