A.M. Best B+ rated · 2 products
Mountain Life Insurance Company Annuities
Mountain Life Insurance Company is an A.M. Best B+-rated annuity carrier. The current lineup includes 2 multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
B+
A.M. Best
Annuity products
2
2 MYGA products
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 2 MYGA product pages
- Product families
- Alpine Horizon, Secure Summit
- Product types
- MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Mountain Life Insurance Company
Mountain Life Insurance Company, founded in 1972 as a subsidiary of the Bank of Maryville in Tennessee, is a regional insurance provider headquartered in Lexington, Kentucky. Now under the ownership of MEM Capital LLC (acquired in August 2024), the company operates through independent agents in multiple states, including Kentucky, Tennessee, Georgia, Texas, Florida, and others. Mountain Life focuses on providing affordable, personalized life insurance and annuity products designed to help families and individuals secure their financial future.
Financial Strength In Plain English
Mountain Life Insurance Company holds a B+ (Good) Financial Strength Rating and a “bbb-” Long-Term Issuer Credit Rating from AM Best, with a stable outlook as of January 2025. These ratings reflect the company’s solid balance sheet and conservative investment approach, though they are tempered by modest operating performance. The recent launch of its Secure Summit MYGA is expected to support growth and improve profitability over time.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Alpine Horizon
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.
Open product pageSecure Summit
A multi-year guaranteed annuity from Mountain Life Insurance Company with a 2- to 10-year term menu, surrender-charge waivers for nursing-home and terminal-illness events, filed in a limited set of jurisdictions and backed by a single-agency carrier rating below the A-level threshold.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
MYGA Products
Alpine Horizon
Alpine Horizon
Open the product page for live rates, state availability, and term-specific detail.
Secure Summit
Secure Summit
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Mountain Life currently has two MYGA product pages attached here: Alpine Horizon and Secure Summit.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
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Mountain Life Insurance Company Product Families
Product-list pages carry the full tables, filters, and detail links.
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