Montana · updated July 8, 2026

Montana fixed annuity rates & guaranty limit.

In Montana, the state guaranty association covers annuity contract value up to <strong>$250,000</strong> per owner per insurer. Below are the highest guaranteed rates filed for sale to Montana residents — up to <strong>6.38% APY</strong>.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the Montana guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →

Available in Montana

Top rates filed in your state.

569 products · updated July 8, 2026

# Carrier Product Term Rate (APY) Min
1 Upstream Life Secure Legacy fixed annuity rate 5-yr 6.38% $10,000 View rate
2 Mountain Life Alpine Horizon fixed annuity rate 5-yr 6.30% $5,000 View rate
3 Sentinel Security Personal Choice fixed annuity rate 5-yr 6.25% $2,500 View rate
4 Sentinel Security Personal Choice fixed annuity rate 10-yr 6.25% $2,500 View rate
5 Sentinel Security Personal Choice fixed annuity rate 7-yr 6.25% $2,500 View rate
6 Heartland National Secure Rate Pro (7-10) fixed annuity rate 10-yr 6.15% $5,000 View rate
7 Heartland National Secure Rate Pro (7-10) fixed annuity rate 7-yr 6.10% $5,000 View rate
8 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 10-yr 6.10% $5,000 View rate
9 Heartland National Secure Rate Pro (3-5) fixed annuity rate 5-yr 6.10% $5,000 View rate
10 Upstream Life Secure Legacy fixed annuity rate 4-yr 6.08% $10,000 View rate
11 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
12 Mountain Life Alpine Horizon with 10% Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
13 Mountain Life Alpine Horizon with RMD Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
14 Farmers Life Safeguard Plus fixed annuity rate 10-yr 6.05% $10,000 View rate
15 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 7-yr 6.05% $5,000 View rate
16 Heartland National Secure Rate Pro (3-5) with RMD Rider fixed annuity rate 5-yr 6.05% $5,000 View rate
17 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 10-yr 6.05% $5,000 View rate
18 Upstream Life Secure Legacy fixed annuity rate 6-yr 6.05% $10,000 View rate
19 Mountain Life Alpine Horizon fixed annuity rate 4-yr 6.05% $5,000 View rate
20 American Century Freedom Max Growth fixed annuity rate 10-yr 6.05% $5,000 View rate
21 Farmers Life Safeguard Plus fixed annuity rate 5-yr 6.00% $10,000 View rate
22 American Gulf Anchor MYGA fixed annuity rate 5-yr 6.00% $10,000 View rate
23 American Gulf Anchor MYGA fixed annuity rate 6-yr 6.00% $10,000 View rate
24 Sentinel Security Personal Choice fixed annuity rate 3-yr 6.00% $2,500 View rate
25 Heartland National Secure Rate Pro (3-5) with Interest Withdrawal Rider fixed annuity rate 5-yr 6.00% $5,000 View rate
26 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 7-yr 6.00% $5,000 View rate
27 American Century Freedom Max Growth fixed annuity rate 5-yr 6.00% $5,000 View rate
28 American Century Freedom Max Growth fixed annuity rate 7-yr 6.00% $5,000 View rate
29 Mountain Life Alpine Horizon fixed annuity rate 3-yr 6.00% $5,000 View rate
30 Mountain Life Secure Summit fixed annuity rate 8-yr 6.00% $5,000 View rate
31 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 6.00% $25,000 View rate
32 Revol One DirectGrowth MYGA fixed annuity rate 10-yr 6.00% $25,000 View rate
33 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 6.00% $25,000 View rate
34 Farmers Life Safeguard Plus fixed annuity rate 7-yr 5.95% $10,000 View rate
35 American Century Freedom Max Growth with Required Minimum fixed annuity rate 10-yr 5.95% $5,000 View rate
36 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 10-yr 5.95% $5,000 View rate
37 Atlantic Coast Safe Harbor fixed annuity rate 5-yr 5.91% $5,000 View rate
38 Atlantic Coast Safe Harbor fixed annuity rate 10-yr 5.91% $5,000 View rate
39 Atlantic Coast Safe Haven fixed annuity rate 20-yr 5.90% $5,000 View rate
40 Atlantic Coast Safe Harbor fixed annuity rate 6-yr 5.90% $5,000 View rate

See the national best-rate leaderboard →

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Fixed annuity rates by insurer.

76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.

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Fixed annuity rates by state.

Each state's guaranty coverage limit and the top annuity rates filed for sale there.

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We'll show the exact rate you qualify for in Montana — and a licensed human, appointed here, who can place it.

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