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$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 ladder summary
Blended annual yield
6.47%
Premium-weighted, contract rates only
Guaranteed interest
$189,567
Earned across separate maturity dates
Carriers
2
Largest allocation 67%
Next liquidity
Year 3$200,193
Corebridge Financial matures first
Rung maturities
3-yr
$166,667 · 6.30% · Corebridge Financial
5-yr
$166,667 · 6.45% · Aspida Life Insurance Company
7-yr
$166,667 · 6.65% · Aspida Life Insurance Company
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 | $166,66733.3% | 6.30%Full-term annual yield · 6.30% first year / 5.70% renewal | $200,193+$33,526 interest |
| 5-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $166,66733.3% | 6.45%Flat rate | $227,812+$61,146 interest |
| 7-year | Aspida Life Insurance CompanyAspida Advisory MYGAAM Best A-Rate effective Oct 13, 2026 | $166,66733.3% | 6.65%Flat rate | $261,562+$94,895 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
$200,193
Year 5
$227,812
Year 7
$261,562
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
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$100,000 MYGA ladder across 3 and 5-year terms
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$250,000 5-year MYGA (single-rung)
5-year terms
$500,000 MYGA ladder across 3, 5, 7, and 10-year terms
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$1,000,000 MYGA ladder across 3, 5, 7, and 10-year terms
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$100,000 MYGA ladder across 3, 5, and 7-year terms
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Rates as of: October 23, 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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