Montana · updated July 24, 2026

Montana fixed annuity rates & guaranty limit.

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

Get a personalized quote

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.

571 products · updated July 24, 2026

# Carrier APY
1 Upstream LifeSecure Legacy · 5-yr 6.38%
2 Mountain LifeAlpine Horizon · 5-yr 6.30%
3 Sentinel SecurityPersonal Choice · 5-yr 6.25%
4 Sentinel SecurityPersonal Choice · 10-yr 6.25%
5 Sentinel SecurityPersonal Choice · 7-yr 6.25%
6 Heartland NationalSecure Rate Pro (7-10) · 10-yr 6.15%
7 Heartland NationalSecure Rate Pro (7-10) · 7-yr 6.10%
8 Heartland NationalSecure Rate Pro (7-10) with RMD Rider · 10-yr 6.10%
9 Heartland NationalSecure Rate Pro (3-5) · 5-yr 6.10%
10 Upstream LifeSecure Legacy · 4-yr 6.08%
11 AspidaAdvisory MYGA · 7-yr 6.05%
12 Mountain LifeAlpine Horizon with 10% Free Withdrawal · 5-yr 6.05%
13 Mountain LifeAlpine Horizon with RMD Free Withdrawal · 5-yr 6.05%
14 Farmers LifeSafeguard Plus · 10-yr 6.05%
15 Heartland NationalSecure Rate Pro (7-10) with RMD Rider · 7-yr 6.05%
16 Heartland NationalSecure Rate Pro (3-5) with RMD Rider · 5-yr 6.05%
17 Heartland NationalSecure Rate Pro (7-10) with Interest Withdrawal Rider · 10-yr 6.05%
18 Upstream LifeSecure Legacy · 6-yr 6.05%
19 Mountain LifeAlpine Horizon · 4-yr 6.05%
20 American CenturyFreedom Max Growth · 10-yr 6.05%
21 Farmers LifeSafeguard Plus · 5-yr 6.00%
22 American GulfAnchor MYGA · 5-yr 6.00%
23 American GulfAnchor MYGA · 6-yr 6.00%
24 Sentinel SecurityPersonal Choice · 3-yr 6.00%
25 Heartland NationalSecure Rate Pro (3-5) with Interest Withdrawal Rider · 5-yr 6.00%
26 Heartland NationalSecure Rate Pro (7-10) with Interest Withdrawal Rider · 7-yr 6.00%
27 American CenturyFreedom Max Growth · 7-yr 6.00%
28 Mountain LifeAlpine Horizon · 3-yr 6.00%
29 Mountain LifeSecure Summit · 8-yr 6.00%
30 American CenturyFreedom Max Growth · 5-yr 6.00%
31 Revol OneDirectGrowth MYGA · 7-yr 6.00%
32 Revol OneDirectGrowth MYGA · 10-yr 6.00%
33 Revol OneDirectGrowth MYGA · 5-yr 6.00%
34 Farmers LifeSafeguard Plus · 7-yr 5.95%
35 American CenturyFreedom Max Growth with Required Minimum · 10-yr 5.95%
36 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 10-yr 5.95%
37 Atlantic CoastSafe Harbor · 5-yr 5.91%
38 Atlantic CoastSafe Harbor · 10-yr 5.91%
39 Mountain LifeSecure Summit · 5-yr 5.90%
40 Atlantic CoastSafe Haven · 20-yr 5.90%

See the national best-rate leaderboard →

Browse by carrier

Fixed annuity rates by insurer.

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

See the top rates ranked →  ·  or compare side by side.

Browse by state

Fixed annuity rates by state.

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

Lock a Montana rate

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

Get my quote