Mountain Life fixed annuity rates

Mountain Life, founded in 1972 and headquartered in Kentucky, issues 6 fixed annuities in 1 to 10-year terms.

6.30% Top APY

B- AM Best

1972 Founded

Available products

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Product	1-yr	2-yr	3-yr	4-yr	5-yr	6-yr	7-yr	8-yr	9-yr	10-yr	Min
Alpine Horizon	—	—	6.00%	6.05%	6.30%	—	—	—	—	—	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 4-yr 9% / 8% / 7% / 6% 5-yr 9% / 8% / 7% / 6% / 5% Free withdrawal Up to 5% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Death Benefit Waiver · Market Value Adjustment
Alpine Horizon with 10% Free Withdrawal	—	—	5.75%	5.80%	6.05%	—	—	—	—	—	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 4-yr 9% / 8% / 7% / 6% 5-yr 9% / 8% / 7% / 6% / 5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Death Benefit Waiver · Market Value Adjustment
Alpine Horizon with RMD Free Withdrawal	—	—	5.75%	5.80%	6.05%	—	—	—	—	—	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 4-yr 9% / 8% / 7% / 6% 5-yr 9% / 8% / 7% / 6% / 5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Secure Summit	4.05%	5.25%	5.85%	—	5.90%	5.82%	5.75%	6.00%	5.40%	5.75%	$5k	↓
Surrender schedule 1-yr 9% 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 6-yr 9% / 8% / 7% / 6% / 5% / 4.5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 8-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% 9-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal Up to 5% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Terminal Illness Waiver · Nursing Home Waiver · Death Benefit Waiver · Market Value Adjustment
Secure Summit with 10% Free Withdrawal	3.80%	5.00%	5.60%	—	5.65%	5.57%	5.50%	5.75%	5.15%	5.50%	$5k	↓
Surrender schedule 1-yr 9% 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 6-yr 9% / 8% / 7% / 6% / 5% / 4.5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 8-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% 9-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Terminal Illness Waiver · Nursing Home Waiver · Death Benefit Waiver · Market Value Adjustment
Secure Summit with 10% Free Withdrawal and RMD	—	5.00%	5.60%	—	5.65%	5.57%	5.50%	5.75%	5.15%	5.50%	$5k	↓
Surrender schedule 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 6-yr 9% / 8% / 7% / 6% / 5% / 4.5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 8-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% 9-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Terminal Illness Waiver · Nursing Home Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About Mountain Life

Founded: 1972 Kentucky
AM Best rating: B- What this means
Phone: 1-800-888-6542
Website: mountainlife.com
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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Mountain Life fixed annuity rates

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