$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 is server-rendered from current rates — no form to fill out.
6.89%
Premium-weighted across 4 rungs
1 carrier
25% distinct across rungs
$786,853
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 | 6.13% | $149,435 |
| 5-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $125,000 | 6.65% | $172,465 |
| 7-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $125,000 | 7.04% | $201,279 |
| 10-year | Atlantic Coast LifeSafe Harbor Bonus Guarantee · AM Best B | $125,000 | 7.75% | $263,674 |
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.
Other example ladders
$250,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$500,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
$100,000 MYGA ladder across 3 and 5-year terms
3 and 5-year terms
$250,000 5-year MYGA (single-rung)
5-year terms
$1,000,000 MYGA ladder across 3, 5, 7, and 10-year terms
3, 5, 7 and 10-year terms
$100,000 MYGA ladder across 3, 5, and 7-year terms
3, 5 and 7-year terms
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.