Mountain Life Alpine Horizon 5
Current Fixed Rate
Rate Effective Date September 14, 2026
The Mountain Life Alpine Horizon 5 is a single premium, fixed annuity with a five-year rate lock. After five years, owners have a 30-day window to withdraw, transfer, or reinvest their account balance. If no action is taken, a new five-year term begins with a new surrender schedule.
After the first year, owners can withdraw 5% of the contract value each year penalty-free. An optional 10% free withdrawal rider is available and will reduce the annual interest rate by .25bps. This policy includes a Market Value Adjustment and accepts both qualified and non-qualified accounts. It is only RMD-friendly when the 10% withdrawal rider is added.
There are no surrender penalties upon the death of the owner. This annuity policy is available in approximately 22 states while the company expands its national coverage.
More Annuity options from: Mountain Life
Notable Features
Two optional riders are available at cost. One rider is for qualified and the other for non-qualified accounts. Each allows the owner to withdraw 10% of the account value each year and reduces the annual interest rate by .25 bps. When added to an IRA or other qualified account, this rider allows for penalty-free Required Minimum Distributions.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
5 Years
Free Withdrawals Yr1 / Yr2+
0% / 5%
Additional Withdrawal Information
After 12 months, this policy allows for free withdrawals of up to 5% of the accumulation value as of the last contract anniversary. A 10% withdrawal rider can be added, but it reduces the annual rate as stated above.
Surrender Schedule
9%, 8%, 7%, 6%, 5%, 0%
Maximum Age
90
Minimum Investment
$5,000
Maximum Investment
$1,000,000 without prior approval
What We Like About This Annuity
This policy only requires a $5K deposit to lock-in a competitive interest rate. After one year, 5% free withdrawals are available – and a 10% withdrawal rider can be added at cost. Surrender penalties are waived at the passing of the owner/annuitant.
Other Popular Products
Mountain Life specializes in multi-year guaranteed fixed annuities (MYGAs) and life insurance policies. Their Level Term and Senior coverage is competitively priced. They also offer their fixed annuity Secure Summit series and stand-alone Mesa fixed account.
About Mountain Life
Mountain Life
AM Best Rating: B- Fair (7th of 13 ratings)
https://www.mountainlife.com/
About Mountain Life Insurance Company
For over 50 years, Mountain Life has offered insurance and annuity coverage in a handful of states in the South and Midwest. Originally incorporated in Tennessee, they are now domiciled in Lexington, Kentucky.
They operate through independent insurance agents in over 20 states as they grow their national presence and product offerings.
Mountain Life specializes in guaranteed fixed annuities and currently offers the Secure Summit and Alpine Horizon products. Term lengths of 2-10 years are available depending on the policy chosen. The Alpine Horizon line offers higher rates with less liquidity while the Secure Summit annuity has lower rates, more liquidity, and unique renewal options.