$100,000 MYGA ladder across 3, 5, and 7-year terms
A $100,000 three-rung MYGA ladder across 3, 5, and 7-year guaranteed terms, using the best current guaranteed rate per rung. This example is server-rendered from current rates — no form to fill out.
6.61%
Premium-weighted across 3 rungs
1 carrier
33% distinct across rungs
$139,514
On $100,000 premium
Ladder rungs
| Term | Carrier / product | Premium | Guaranteed rate | Value at maturity |
|---|---|---|---|---|
| 3-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $33,333 | 6.13% | $39,849 |
| 5-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $33,333 | 6.65% | $45,990 |
| 7-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $33,334 | 7.04% | $53,675 |
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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Data freshness: June 23, 2026. Estimates are based on current guaranteed rates sourced 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.