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Mountain Life Secure Summit 5

5-year multi-year guaranteed annuity from Mountain Life

Guaranteed Rate
5.9%
Locked for 5 years
$100,000 grows to
$133,193
Guaranteed at maturity · +$33,193 interest
Financial Strength
A.M. Best B-
Fair · 8th highest of 13
Minimum to Open
$5,000
Cash, IRA, or 401(k) rollover

What Your Money Earns

Enter your amount to see the guaranteed value, year by year. No market risk, no annual fees.

$
At 5.9% for 5 years, $100,000 grows to $133,192.51 +$33,192.51 in guaranteed interest
YearStarting BalanceInterest CreditedEnding Balance
Year 1 $100,000.00 +$5,900.00 $105,900.00
Year 2 $105,900.00 +$6,248.10 $112,148.10
Year 3 $112,148.10 +$6,616.74 $118,764.84
Year 4 $118,764.84 +$7,007.13 $125,771.96
Year 5 $125,771.96 +$7,420.55 $133,192.51

Assumes the contract is held to maturity at the locked rate, with no withdrawals. Interest compounds annually. Interest grows tax-deferred until withdrawn. Use our single premium immediate annuity calculator if you are looking for lifetime income instead.

Accessing Your Money

What you can withdraw without penalty during the 5-year term, and what an early exit costs.

Free withdrawals · Year 1 0%
Free withdrawals · Years 2+ 5% About $5,000/yr on your $100,000
At the end of the term Withdraw, renew, or transferFull value, no charges

Is Your Money Safe?

Your guarantees are backed by Mountain Life's claims-paying ability, so carrier strength matters.

Issuing insurance company Mountain Life
A.M. Best financial strength rating B- Fair · 8th highest of 13

A.M. Best rates an insurer's ability to pay its obligations. State guaranty associations also provide a layer of protection for annuity owners, with limits that vary by state.

Can You Buy This Annuity?

Three quick checks: your state, your deposit amount, and your age.

Available in:24 states
Not available in:AK, CA, CO, CT, DC, DE, GU, HI, IA, ID, KS, ME, MI, MN, NC, NH, NJ, NY, OR, PA, PR, SC, SD, VA, VI, VT, WA, WI, WV, WY
View all available states
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Minimum deposit · Cash (non-qualified) $5,000
Minimum deposit · IRA / 401(k) rollover $5,000
Maximum deposit $1,000,000
Maximum age to apply 90

Full Product Details

Everything above, plus the brochure, in one reference table.

Insurance CompanyMountain Life
A.M. Best RatingB-Fair · 8th highest of 13
Guaranteed Rate5.9%
Term Length5 years
Free Withdrawal · Year 10%
Free Withdrawal · Years 2+5%
Min Premium · Non-Qualified$5,000
Min Premium · Qualified (IRA)$5,000
Maximum Premium$1,000,000
Max Issue Age · Non-Qualified90
Max Issue Age · Qualified90
Product BrochureDownload PDF →

What Our Clients Say

4.9
★★★★★
47 verified client reviews
Sourced from BBB · verify on BBB
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★★★★★ BBB
Sharon B.

Kiara at My Annuity Store was absolutely wonderful to work with! She was efficient, knowledgeable, and incredibly responsive to all of my many questions. She was always available when I needed her and made what initially felt like an overwhelming process much easier. My financial advisor recommended Kiara, and I am so glad he did. After researching all of the different options available, I felt overwhelmed by the choices, but Kiara took the time to explain everything clearly and helped me feel confident that I was making a smart decision with my money. I highly recommend Kiara and My Annuity Store!

★★★★★ BBB
Ralph P.

The process for setting up my annuity was very easy. Communication was quick and to the point. Appreciate the assistance I received and would definitely do business with My Annuity Store again. Thank you.

★★★★★ BBB
Lester W.

Kiara was excellent, she helped me set up two myga's through two different carriers at peak rates. The process takes time at the carrier end, and she kept me informed along the way.

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How to Apply

Most applications take about 10 minutes online, or we can complete it with you over the phone.

1Compare & SelectChoose your term and rate.
2Online Pre-AppQuick 5-minute digital form.
3Specialist ReviewA quick call to verify details.
4Direct FundingE-sign and transfer funds.
Personal IdentificationSocial Security Number and a valid Driver's License or ID.
Beneficiary InfoLegal names, dates of birth, and SSNs for your beneficiaries.
Funding DetailsBank account/routing numbers or statements for 1035 exchanges.
Suitability InfoBasic understanding of your liquid assets and net worth.

Ready to lock in 5.9%?

Apply online in about 10 minutes, or talk to a licensed agent first.

Prefer to talk on your schedule? Schedule a call →

Live rate feed Last updated October 9, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.

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