Rating downgrade — no longer offered by My Annuity Store
On January 7, 2026, AM Best downgraded Mountain Life to a Financial Strength Rating of B- (Fair) and placed it under review with developing implications (it had already been cut to B in September 2025). Because this falls below the financial-strength standard we require for new business, My Annuity Store no longer offers Mountain Life annuities. This page remains for reference only. Always verify the current rating at ambest.com.
Consider instead: Athene, MassMutual Ascend, or compare current A-rated options on our live rate table.
Mountain Life Insurance Company is a Utah-based fixed annuity carrier best known for the Alpine Horizon MYGA series, a product that has developed a strong following among rate-focused independent agents for its consistently competitive guaranteed yields. As a focused MYGA specialist, Mountain Life keeps its product lineup deliberately simple: guaranteed fixed-rate accumulation without the complexity of income riders or index crediting strategies.
This review covers Mountain Life’s financial strength, the Alpine Horizon product, and contact information.
Mountain Life at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Mountain Life Insurance Company |
| Headquarters | Utah |
| AM Best Rating | B- (Fair) – downgraded Jan 7, 2026, under review (formerly B+) |
| Products Offered | MYGAs (Alpine Horizon series) |
| States Available | Select states (varies by product) |
| Minimum Premium | $5,000 (varies by product) |
Mountain Life’s Financial Strength
Mountain Life was downgraded by AM Best to B- (Fair) on January 7, 2026 and placed under review with developing implications. This places Mountain Life well below the A-rated threshold most buyers look for. As a smaller, specialized carrier, Mountain Life’s balance sheet reflects its focused MYGA business, fixed annuity reserves with predictable cash flows and limited exposure to market volatility.
Utah insurance regulation governs Mountain Life’s operations. State guaranty associations provide backstop protection up to state-specific limits; see NOLHGA.com for details.
The Mountain Life Alpine Horizon MYGA Series
The Alpine Horizon MYGA is Mountain Life’s core product and the reason independent agents include it in rate comparisons. Available in multiple term lengths, Alpine Horizon locks in a guaranteed interest rate from day one, no index crediting, no market exposure, no moving parts. Your rate is fixed for the full contract term.
Alpine Horizon rates are frequently at or near the top of multi-carrier comparisons, often competing with or exceeding top annuity companies despite Mountain Life’s B- (Fair) rating. For buyers who want to maximize guaranteed yield and understand the financial strength trade-off, Alpine Horizon is worth a direct comparison against A-rated options. Download the Alpine Horizon MYGA brochure.
Mountain Life MYGA Rates
Current Mountain Life MYGA rates from our live rate feed:
Current MYGA Rates
Live rates from AnnuityRateWatch · Rates updated July 6, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Secure Summit 1
AM Best B- |
1 Year | 4.05% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 2
AM Best B- |
2 Years | 5.25% | $5,000+ | May 11, 2026 | View Details → |
|
Alpine Horizon 3
AM Best B- |
3 Years | 6% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 3
AM Best B- |
3 Years | 5.75% | $5,000+ | May 11, 2026 | View Details → |
|
Alpine Horizon 4
AM Best B- |
4 Years | 6.05% | $5,000+ | May 11, 2026 | View Details → |
|
Alpine Horizon 5
AM Best B- |
5 Years | 6.35% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 5
AM Best B- |
5 Years | 5.75% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 6
AM Best B- |
6 Years | 5% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 7
AM Best B- |
7 Years | 5.75% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 8
AM Best B- |
8 Years | 6% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 9
AM Best B- |
9 Years | 5.4% | $5,000+ | May 11, 2026 | View Details → |
|
Secure Summit 10
AM Best B- |
10 Years | 5.75% | $5,000+ | May 11, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Who Is Mountain Life Best For?
- Reference only: Following the January 2026 AM Best downgrade to B- (Fair), My Annuity Store no longer offers Mountain Life for new annuity contracts.
Mountain Life Pros and Cons
Here is a balanced look at Mountain Life’s strengths and limitations for annuity buyers:
Pros
- May offer competitive rates to attract new business
- Offers MYGA products with guaranteed rates and predictable returns
- Available through independent agents, allowing side-by-side comparisons with other carriers
Cons
- Below A-range AM Best rating, which many independent agents consider the minimum for new annuity purchases
- Product availability varies by state, so not all products may be offered where you live
- Surrender charges apply during the contract term, which limits liquidity
Frequently Asked Questions About Mountain Life
Is Mountain Life a safe company for annuities?
Mountain Life was downgraded by AM Best to B- (Fair) on January 7, 2026 and is under review with developing implications – below the A-range standard we require for new business, which is why My Annuity Store no longer offers it. State guaranty associations provide backstop protection up to state-specific limits (see NOLHGA.com); that coverage is a safety net, not a substitute for carrier strength.
What types of annuities does Mountain Life offer?
Mountain Life offers MYGAs through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Mountain Life and competing carriers.
How do I buy an annuity from Mountain Life?
Mountain Life annuities are sold through licensed insurance agents. My Annuity Store is an independent platform that can quote Mountain Life alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.
How Does Mountain Life Compare to Other Carriers?
The annuity marketplace in 2026 is competitive, with dozens of carriers vying for your business. Before committing to any single carrier, it pays to compare at least three to five options side by side. Key factors to evaluate include:
- AM Best financial strength rating – look for A- or higher for maximum peace of mind
- Guaranteed interest rate and term – even a 0.10% difference compounds significantly over a 5- to 10-year contract
- Surrender charge schedule – understand when you can access your money penalty-free
- Free withdrawal provisions – most carriers allow 10% annual withdrawals without penalty
Our live rate comparison tool shows current rates from Mountain Life and all competing carriers updated daily. You can also request a personalized comparison from our team.
Contact Mountain Life Insurance Company
| Contact Method | Details |
|---|---|
| Website | www.mountainlifeinsurance.com |
| Customer Service | 1-855-586-3654 |
| Mailing Address | Mountain Life Insurance Company Utah |
| Hours | Monday–Friday, 9 a.m.–5 p.m. MT |
Compare Mountain Life Against Other Carriers: My Annuity Store compares Mountain Life alongside Athene, Oceanview, F&G, Atlantic Coast Life, and 20+ other carriers. Get a free comparison quote or call 855-583-1104.
