Expert review · 2026

Mountain Life review

Annuity Atlas covers 11 Mountain Life annuity products with live rates and contract specs. 11 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

B-

Insurer claims-paying rating

Products tracked: 11
MYGA yield (lineup max): 6.45% · 5yr · Alpine Horizon 5
Surrender range: 2–10 years

Rate as of Oct 16, 2026

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Products covered

A.M. Best

B-

Categories covered

MYGA

11 Mountain Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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 →
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 →
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 →
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 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 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 →
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 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 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 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 →
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 →

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

B-

A.M. BEST

MYGA5-YR SURRENDER

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

B-

A.M. BEST

MYGA3-YR SURRENDER

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

B-

A.M. BEST

MYGA5-YR SURRENDER

Review →

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

B-

A.M. BEST

MYGA4-YR SURRENDER

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

B-

A.M. BEST

MYGA3-YR SURRENDER

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

B-

A.M. BEST

MYGA8-YR SURRENDER

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

B-

A.M. BEST

MYGA10-YR SURRENDER

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

B-

A.M. BEST

MYGA7-YR SURRENDER

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

B-

A.M. BEST

MYGA6-YR SURRENDER

Review →

Secure Summit 9

Buyers who specifically need principal to mature in nine years and are comfortable carrying a B- rated carrier that long

B-

A.M. BEST

MYGA9-YR SURRENDER

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

B-

A.M. BEST

MYGA2-YR SURRENDER

Review →

Frequently asked questions

Is Mountain Life a good annuity company?

We have reviewed 11 Mountain Life products, 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.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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