Alpine Horizon
Mountain Life Insurance Company
6.15%
Best Rate
5%
Free W/D
22
States
Alpine Horizon is a fixed annuity that guarantees your principal and interest earnings for 3 or 5 years while allowing tax-deferred growth. It's designed for people nearing or in retirement who want safe, predictable income without market risk.
Free Withdrawal
5%/yr
Available In
22 states
Min Premium
$5,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 6% |
| 4-Year | 6.05% |
| 5-Year | 6.15% |
Key Features
Guaranteed Interest Rates
3 or 5-year terms availableYour rate is locked in for your chosen term (3 or 5 years) and automatically renews at a new guaranteed rate
Tax-Deferred Growth
No current taxes on earningsInterest earnings are not taxed until you withdraw them, allowing your money to grow faster than in a taxed account
No Market Risk
100% protection of principalYour principal and earned interest are completely safe regardless of stock market performance or interest rate changes
Free Withdrawals
5% free annually (standard); up to 10% with riderAfter year one, withdraw up to 5% annually without surrender charges; optional riders allow RMD-free or 10% annual access
Renewal Flexibility
30-day free withdrawal window at renewalDuring the first 30 days of each renewal period, take full or partial surrender without charges or market value adjustments
Multiple Income Options
Flexible annuitization optionsChoose life income only, life income with guaranteed period, or period-certain payments (5-30 years)
Beneficiary Protection
Direct transfer, no surrender chargesLegally designated beneficiaries receive full contract value upon your death with no probate, delays, or costs
Low Minimum
$5,000 minimum premiumStart with as little as $5,000 to open your annuity
Wide Age Range
Ages 0-90 eligibleAvailable to anyone from age 0 to 90 (both tax-qualified and non-qualified)
Highlights
Guaranteed fixed interest rates locked in for 3 or 5 years with automatic renewal at new rates
Tax-deferred growth means your money grows faster than taxed alternatives at the same rate
Protected from market downturns and interest rate declines with no market risk to principal
Flexible access with free withdrawals and optional riders for required distributions or 10% annual access
Estate planning benefits deliver full contract value to beneficiaries without probate delays or costs
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4.5%
Yr 7
3.5%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.5%
After
0%
Best For
Retirees and near-retirees who want guaranteed, safe income with tax-deferred growth and no market risk, and who can commit funds for 3-5 years.
Consider Alternatives If
Investors who need immediate access to all funds without penalties, or those seeking growth beyond fixed interest rates and willing to accept market risk.
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