Alpine Horizon Client Guide
Full contract details for our streamlined, highly competitive-rate MYGA.
Download PDF · 4.5 MB 🏔 Multi-Year Guaranteed Annuities
Guaranteed Rates. Tax-Deferred Growth. Real Peace of Mind.
Our MYGA products offer competitive guaranteed rates with no market risk — so you always know exactly what your money is earning.
Market Risk
None
In Business Since
1972
Available in
24 States
Product Overview
Compare Our MYGA Products
All three products offer guaranteed, competitive rates for a fixed term with no market exposure. Select a product below to view features.
Alpine Horizon Features
- 5% free withdrawal annually after year 1. Or 10% annual free withdrawal (Non-Qualified Plans) or free RMD withdrawals (Qualified Plans) with the purchase of an optional rider.
- Highly competitive crediting rates.
- Streamlined, simplified contract.
- Tax-deferred growth.
- Death benefit — full accumulation value paid to beneficiaries.
- Minimum premium: $5,000.
Resources
Download Our Guides
Want the full picture before you talk to an agent? Download a client guide for complete contract details, or read our overview of what sets Mountain Life apart.
Mesa Guard Client Guide
Full contract details for our guaranteed 6% first-year MYGA, including MVA and free withdrawal terms.
Download PDF · 1.6 MBSecure Summit Client Guide
Full contract details for our most comprehensive MYGA — guarantees, waivers, and withdrawal options.
Download PDF · 4.1 MBWhy Choose Mountain Life
An overview of Mountain Life and what sets our annuity products apart — for readers comparing carriers.
Download PDF · 0.9 MBTax Benefits
The Tax-Deferred Advantage
Unlike a bank CD or taxable savings account, a tax-deferred annuity allows your money to grow without being reduced by current income taxes. This means more of your money stays invested and compounding year after year. You only pay taxes when you take money out — and by that time, you may be in a lower tax bracket. Over time, this tax deferral can make a significant difference in how much you accumulate.
100%
of your money
compounds each year
compounds each year
Direct
transfer to heirs
potentially bypassing probate
potentially bypassing probate
Estate Planning
Estate Planning Benefits
Annuity estate-planning benefits may help with asset protection and distribution to your beneficiaries. Unlike many other financial instruments, annuities with properly named beneficiaries can transfer directly to your heirs, potentially bypassing the probate process. This means your loved ones may receive funds more quickly and with less administrative burden during a difficult time.
Common Questions
Frequently Asked Questions
Have questions about our MYGA products? Find answers to the most common questions below.
A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed annuity that provides a guaranteed interest rate for a specified number of years — similar to a bank CD, but tax-deferred and offered through an insurance company.
When you open a MYGA, you agree to leave your money with the insurance company for a set number of years — typically 3, 5, or 7 years, though Mountain Life offers terms ranging from 1 to 10 years, giving you more flexibility to match your timeline. In return, the company guarantees you a fixed interest rate (as per policy terms), regardless of how the stock market performs.
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