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Upstream Secure Legacy Multi-Year Guaranteed Annuity (MYGA) Review

Surrender charges apply for withdrawals exceeding free provisions. Additionally, MVA applies, potentially increasing or decreasing surrender values if interest rates move relative to the contract rate.

Mandatory: Death Benefit Rider. Optional: 10% Free Withdrawal Rider.

Mandatory Death Benefit Rider for 81+ contracts (0.25% annual cost). Pays full accumulation value to beneficiary.

Nursing home and terminal illness waiver.

Accumulated interest withdrawals after 30 days. Optional 10% Free Withdrawal Rider (reduces credited rate by 0.15%) available starting in year 2.

Single Premium MYGA — available in qualified and non-qualified accounts.

The product accepts a single premium that accrues at a fixed guaranteed rate for the chosen term. Interest is compounded daily and credited annually. For contracts issued to ages 81 and above, the Death Benefit Rider (0.25% annual fee) is mandatory. The NV structure also subjects withdrawals and surrenders to a Market Value Adjustment, which may increase or decrease the surrender value depending on interest rate conditions. Upon maturity, the owner may renew into a new guarantee period, withdraw without penalty, or transfer funds.

At maturity, funds may be renewed at current rates, transferred, or withdrawn without penalty.

Accumulation value minus surrender charges and any MVA adjustment.

is the non-variable, Market Value Adjustment (MVA) version of Upstream Life’s MYGA specifically for issue ages 81 and above. It provides guaranteed fixed interest, tax-deferred accumulation, and principal protection, while incorporating an MVA feature that adjusts surrender values if withdrawals are taken before the end of the guarantee term. Like the standard 81+, it requires the Death Benefit Rider to protect beneficiaries.

Surrender charges apply for withdrawals exceeding free allowances during the guarantee period. Percentages decline annually and match the term selected.

None. Only surrender charges (and the mandatory Death Benefit Rider fee).

Mandatory Death Benefit Rider for ages 81+ (0.25% annual fee). Pays full accumulation value to beneficiary.

Interest withdrawal after 30 days. Optional 10% Free Withdrawal Rider (rate reduced 0.15%).

This single-premium annuity grows at a fixed guaranteed rate for the chosen term. For all contracts issued at ages 81 and above, the Death Benefit Rider (0.25% annual charge) is mandatory, ensuring that the beneficiary receives the accumulation value upon the policyholder’s death. Withdrawals of interest are available after 30 days, and optional 10% free withdrawals from year 2 are available with a 0.15% rate reduction. Upon maturity, the owner can renew at prevailing rates, surrender without penalty, or transfer funds.

At maturity, policy may be renewed, surrendered without penalty, or transferred.

Accumulation value minus surrender charges (and MVA if NV version).

 is a version of Upstream Life’s Multi-Year Guaranteed Annuity (MYGA) tailored for senior clients aged 81 and older. It provides guaranteed fixed interest, tax-deferred growth, and principal protection. The product mirrors the structure of the standard Secure Legacy but requires the Death Benefit Rider to ensure full protection for beneficiaries. Interest is compounded daily and credited annually, with contract terms available from 2 to 15 years.

Surrender charges apply to withdrawals beyond free provisions. Additionally, a Market Value Adjustment (MVA) is applied, which may increase or decrease surrender values depending on prevailing interest rates at the time of withdrawal.

None. Surrender charges apply on early withdrawals, plus MVA adjustments.

Pays the accumulation value to beneficiary.

Standard nursing home and terminal illness waiver.

Accumulated interest after 30 days. Optional 10% Free Withdrawal Rider (from year 2, reduces credited rate by 0.15%).

A single premium is paid into the annuity, and the contract accrues at a fixed guaranteed rate for the selected term. Interest compounds daily and is credited annually. The contract includes a Market Value Adjustment (MVA), which may increase or decrease the surrender value if funds are withdrawn before the end of the guarantee period. Free interest withdrawals are allowed after 30 days, and an optional 10% Free Withdrawal Rider can be added beginning in year 2 (reducing credited rate by 0.15%). At the end of the term, the contract can be renewed at prevailing rates, surrendered without penalty, or transferred.

At maturity, the owner may renew into a new guarantee period, withdraw without penalty, or transfer funds.

Accumulation value less surrender charges and applicable Market Value Adjustment (MVA).

 is a non-variable Multi-Year Guaranteed Annuity (MYGA) designed for clients seeking guaranteed fixed growth with the added feature of a Market Value Adjustment (MVA). Like the standard Secure Legacy, it is a single-premium annuity that provides guaranteed fixed interest rates for selected multi-year terms, with tax-deferred accumulation and protection against market volatility. The NV version is particularly structured for clients who may hold funds to term and want slightly higher crediting rates compared to standard fixed annuities.

Surrender charges apply to withdrawals in excess of permitted free withdrawals during the guarantee period. Charges decline each contract year and are tied to the length of the guarantee term. The surrender schedule matches the selected guarantee term.

Nursing home and terminal illness waiver available (standard).

This annuity accepts a one-time premium payment that grows at a guaranteed interest rate for the selected term. Interest is compounded daily and credited annually. The contract allows for withdrawals of interest after 30 days, and an optional 10% Free Withdrawal Rider is available starting in year 2 (reducing the rate by 0.15%). Upon maturity, the policyholder may renew into a new guarantee period, withdraw funds without penalty, or transfer proceeds. The Secure Legacy is available in both qualified and non-qualified accounts.

At the end of the term, contract owner may renew at prevailing rates, transfer, or withdraw without penalty.

Equal to accumulation value minus surrender charges and adjustments (if applicable).

is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed to provide clients with steady growth, tax-deferred accumulation, and guaranteed rates. It is positioned as a safe and predictable alternative to CDs or bonds, offering contract terms ranging from 2 to 15 years. The annuity is issued by Upstream Life Insurance Company and allows policyholders to choose a fixed guarantee period that matches their planning needs.

Upstream Life – Secure Legacy 81+ NV (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)

Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)

Upstream Life – Secure Legacy NV (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)

Upstream Life – Secure Legacy (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)