Present growth money as a ladder

Nobody knows where rates go. A ladder splits the money across terms, so some of it comes due every few years.

Do it in Genius

All cases→ your client→ GrantAI→ More→ Annuity laddering strategy

Practice Client, 3 Nov 2026: GrantAI split $150,000 into four rungs. Rungs 1 and 2 are $25,000 MYGA contracts at 5.05% and 6.20%.

Rates change every day, so yours will differ.

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In the app: CRM → All cases

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1. 1.

   Run Annuity laddering strategy in More and wait about 90 seconds. Read rungs 1 and 2.

   Two $25,000 MYGA terms end at ages 68 and 71, with about $27,589 and $33,772 in cash.

2. 2.

   Check both rungs in the MYGA list: a 2-year row and a 5-year row, at today's rates.

   GrantAI quoted 5.05% and 6.20% on 11/3/2026. Verify each contract's surrender-free and renewal dates, and the carrier.

   See also:

   • Open MYGAs in Genius
   • Check the insurer first
3. 3.

   Read rungs 3 and 4: a $60,000 rider paying 10.23% from 68, a $40,000 rider paying 14.88% from 72. Re-quote both.

   GrantAI scaled both from $100,000 quotes. Rung 3's 10.23% payout is the Fee-based row: a commission agent swaps in a row they can sell.

   • Run every option
4. 4.

   Compare the ladder with one $150,000 rider. GrantAI would lead with the rider here. Offer the ladder for a reserve or inheritance.

   GrantAI says the single $150,000 rider fills more of the income gap at every age.