Best available rate
6.2%
7-yr guarantee · 7-yr surrender schedule · $2,000+ premium
Highest current rate across the available 3-year, 5-year, and 7-year guarantee terms.
View all rates and terms ↓10%
Free W/D
46
Available jurisdictions
Rates as of August 14, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Canvas Future Fund
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Canvas Annuity product.
Live product data
Rates as of August 14, 2026, from AdvisorWorld and CANNEX.
7-year guaranteed rate
6.2% guaranteed for 7 years
A three-, five-, or seven-year fixed annuity from Canvas with no MVA, annual withdrawal access, and two health-event waivers.
Best fit
Buyers who want several fixed-rate term choices and prefer a no-MVA contract they can hold through the selected guarantee period.
Available guarantee terms
3, 5, and 7 years
AM Best
B++ Good
Available surrender terms
3, 5, and 7 years
Free withdrawal
10%/yr
Availability
46 jurisdictions (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee-period choices let buyers match the fixed-rate window to a defined planning horizon.
- The contract avoids a market value adjustment and includes annual free withdrawals plus nursing-home and terminal-illness waivers.
What to confirm
- The surrender schedule extends through the longest term, so withdrawals above the annual allowance can still be costly even without an MVA.
- The contract is not available in every jurisdiction, and the carrier's financial-strength rating should be weighed against the offered terms.
Not ideal for
Buyers who require nationwide availability, top-tier carrier ratings, or access beyond the annual free allowance.
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Jun 22, 2026 | 6%Rate convention not stated |
| 5-Year | 5-Year schedule | Jun 22, 2026 | 6.1%Rate convention not stated |
| 7-Year | 7-Year schedule | Jun 22, 2026 | 6.2%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
2%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Canvas Future Fund compares for your age, state, premium, and income goals alongside other Canvas Annuity MYGA options.