Alpine Horizon
Mountain Life Insurance Company
6.35%
5-yr guarantee
5%
Free W/D
24
States
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
6.35% guaranteed for 5 years
A multi-year guaranteed annuity from Mountain Life Insurance Company offering a 5-year lead-term guarantee at the high end of the current MYGA market, filed in a limited set of jurisdictions and backed by a single-agency carrier rating below the A-level threshold.
Best fit
Buyers in one of the 24 filing states who want a flat declared-rate MYGA for a 3- to 5-year guarantee period, value a competitive lead-term rate over carrier-rating quality, and don't need a built-in income rider or a death-benefit roll-up.
AM Best
B+ Good
Surrender period
10 years
Free withdrawal
5%/yr
Availability
24 states
Product analyst notes
How to think about this contract
Why it can stand out
- Lead-term rate on the live feed sits at the high end of the current MYGA market, well above the prevailing 5-year MYGA average that other 50-state filings post at this duration.
- Term menu offers 3-, 4-, and 5-year guarantee periods on the same chassis, so a buyer can shorten or lengthen the rate-lock without leaving the product.
- Free-withdrawal allowance and the full 10-year surrender ladder are visible on this page, so the penalty-free liquidity rule and the cost of an early exit are not gated behind a sales brochure.
- No income rider and no proprietary index sit between the buyer and the headline — what you see on the rate sheet is the rate the contract pays for the guarantee period.
What to confirm
- Carrier financial-strength rating is single-agency — only A.M. Best B+ "Good", which falls below the A- threshold commonly used by independent advisors as the floor for fixed-annuity placement. Buyers who weight rating quality heavily should compare with an A- or better carrier before committing.
- This filing is restricted to 24 jurisdictions on the live state list; the contract is not available in roughly half the country, including New York, California, and most of the Northeast. Confirm availability in your state before quoting.
- Surrender ladder runs a full 10 years with a first-year charge in the high single digits, and the schedule does not drop into the low single digits until the back half of the term. The surrender period extends well past the lead 5-year rate lock — buyers planning to exit at term-end should compare a filing whose surrender schedule matches the guarantee period.
- There is no premium bonus and no GLWB income rider on this contract — the death benefit is the standard contract value, and the only enhancements visible are the carrier's standard surrender-charge waivers. Buyers expecting a legacy step-up or built-in lifetime income should evaluate that separately.
Not ideal for
Buyers outside the filing footprint, buyers who require an A- or better carrier-strength rating, buyers who want a guarantee period that matches the surrender schedule (this one extends past the lead term), or buyers who expect a guaranteed lifetime-withdrawal rider or a premium bonus — none of those are what this contract is built to deliver.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 6% |
| 4-Year | 6.05% |
| 5-Year | 6.35% |
Key Features
Free withdrawal
5%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4.5%
Yr 7
3.5%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.5%
After
0%
Carrier Ratings
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