Skyline Peak Advantage 5 FIA: Rates & Review

Skyline Peak, Mountain Life's Fixed Indexed Annuity, is designed to help your clients climb toward their goals with confidence — protecting what they've already earned while giving them the chance to gain more along the way. Skyline Peak is now available in three tiers — Signature, Advantage, and Choice — so you can match the right option to the right client conversation.

Skyline Peak Advantage — Built for clients who want the largest immediate boost to their contract value. Advantage carries Skyline Peak has the exclusive Bailout Rider*, giving clients an out if declared rates ever fall below the contract's bailout threshold.

Bailout Rider: If Mountain Life declares an S&P 500 Cap Rate or Fixed Rate below the contract's bailout threshold, the owner may withdraw penalty-free rather than stay locked into a lower rate. The Bailout Rider benefit is only available during the Bailout Window, which begins on the Contract Anniversary or the first day of a new Index Term Period. Available only on Skyline Peak Advantage without the Premium Bonus.

Available in states: AL, AZ, AR, GA, IL, IN, KY, LA, MD, MA, MS, MO, MT, NE, NV, NM, ND, OH, OK, RI, TN, TX, and UT

Name	Type	Rates
3-Year S&P 500 High Water Mark Participation Rate	High Water Mark (Quarterly) Triennial	45% Participation
1-Year Fixed Account with Bailout	Fixed	5.5% Fixed
1-Year S&P 500 PTP Cap with Bailout	Point to Point Annual	12% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	65% Participation
1-Year Nasdaq-100 PTP Cap	Point to Point Annual	11% Cap
1-Year Nasdaq-100 PTP Participation Rate	Point to Point Annual	50% Participation
1-Year Franklin Innovators 10% ER PTP Participation Rate	Point to Point Annual	100% Participation
1-Year S&P 500 Daily RC 10% ER PTP Participation Rate	Point to Point Annual	100% Participation
1-Year Nasdaq-100 Volatility Control 10% PTP Participation Rate	Point to Point Annual	100% Participation

Year	1	2	3	4	5
Penalty	9%	8%	7%	6%	5%

Premium Notes

Single Premium Deferred Fixed Indexed Annuity with Market Value Adjustment (MVA).

Issue Ages
0–90, with rates banded by age (0–80, 81–84, 85–90).

Minimum/Maximum Premium
$10,000 – $1,000,000 without Home Office approval.

Additional Premium
Additional premiums allowed in the first policy year, up to 100% of initial premium,
minimum $1,000, allocated to the Fixed Interest Account.

Withdrawal Provisions

WithdrawalsFree amount: beginning in Year 2, a flat 10% of full Contract Value (including any premium bonus) each year; unused amounts do not carry over.Minimum withdrawal: $500.Low balance: if a withdrawal would drop Contract Value below $2,000, the Company may treat it as a full surrender.RMD Friendly Required Minimum Distributions may be withdrawn penalty-free starting just 30 days after issue, in every contract year — including Year 1 — instead of the 10% free withdrawal limit.Market Value Adjustment (MVA)Standard MVA applies to withdrawals and surrenders in excess of the free withdrawal amount. Does not apply upon death of the owner.No surrender charge or MVA applies during the first 30 days of each subsequent surrender charge period, with written notice of options beforehand.

Skyline Peak Advantage 5 FIA