3-Year vs 5-Year vs 7-Year MYGA: The Laddering Strategy

MYGA laddering is one of the most practical retirement strategies — and current rates make it especially attractive. Current rates by term from CANNEX: - 3-Year: 6.40% (Corebridge Financial) - 5-Year: 6.65% (Atlantic Coast Life) - 7-Year: 7.04% (Atlantic Coast Life) The laddering approach: 1. Split your allocation across 3, 5, and 7-year MYGAs 2. As each matures, reinvest at the prevailing rate 3. You always have money coming available, plus you capture rate changes Example with $300K: - $100K → 3-year MYGA - $100K → 5-year MYGA - $100K → 7-year MYGA This provides liquidity every 2-3 years while maintaining competitive yields across the entire portfolio. How are you structuring MYGA ladders for clients?