Mountain Life review

Annuity Atlas has published 11 editorial reviews of Mountain Life products. Average peer-group rating 3.4 / 5, top-rated product earns 3.5 / 5. Browse the full lineup below.

Our rating

3.4

Avg ★ / 5

Products reviewed11

A.M. BestB-

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Reviews published

Average rating

★ 3.4 / 5

A.M. Best

B-

Categories covered

MYGA

11 Mountain Life annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Alpine Horizon 4 Savers who want a top-of-ladder guaranteed rate for a 4-year commitment and can tolerate holding a contract with a below-investment-grade-caliber carrier	MYGA	4yr	B-	—	—	Review →
Secure Summit 2 Short-horizon savers in an eligible state who want a genuinely competitive 2-year locked rate and can hold the full two years without touching the money before the surrender period ends	MYGA	2yr	B-	—	—	Review →
Secure Summit 5 Buyers who want a competitive locked 5-year rate and can accept a below-investment-grade carrier and limited state availability in exchange for it	MYGA	5yr	B-	—	—	Review →
Secure Summit 7 Conservative savers who specifically want a 7-year rate lock and have already weighed a below-investment-grade carrier against the guarantee	MYGA	7yr	B-	—	—	Review →
Secure Summit 8 Buyers who want the highest rate on Mountain Life's own MYGA ladder locked in for eight years and who are comfortable holding a B- rated carrier for that long, in one of the 24 states where the product is sold	MYGA	8yr	B-	—	—	Review →
Alpine Horizon 3 Conservative savers in an approved state who want a simple, competitively priced 3-year locked rate and don't need more than modest annual liquidity	MYGA	3yr	B-	—	—	Review →
Alpine Horizon 5 Buyers who want the highest locked rate in Mountain Life's Alpine Horizon ladder and have already made peace with a below-investment-grade carrier for a 5-year term	MYGA	5yr	B-	—	—	Review →
Secure Summit 3 Shoppers who want a short, competitively priced 3-year rate lock and are willing to accept a below-investment-grade carrier in exchange for it	MYGA	3yr	B-	—	—	Review →
Secure Summit 6 Savers who want a locked six-year rate and have already accepted a below-investment-grade carrier in exchange for it	MYGA	6yr	B-	—	—	Review →
Secure Summit 10 Buyers who specifically want a decade-long guaranteed rate and are comfortable accepting a below-investment-grade carrier's claims-paying ability to get it	MYGA	10yr	B-	—	—	Review →
Secure Summit 9 Buyers who specifically need principal to mature in nine years and are comfortable carrying a B- rated carrier that long	MYGA	9yr	B-	—	—	Review →

Frequently asked questions

Is Mountain Life a good annuity company?

Mountain Life earns an average rating of 3.4/5 across the 11 products we've reviewed, and A.M. Best rates the carrier B- for financial strength.

What is the surrender period for Mountain Life annuities?

Surrender periods on Mountain Life's current lineup run 2–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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