Simulation & Edit Mode
Active Product: Upstream Life – Secure Legacy (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)
About this product
The Upstream Life Secure Legacy™ MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Upstream Life Insurance Company. It is an industry-leading single-premium fixed annuity that offers a multi-year guaranteed interest period with full principal protection and tax-deferred growth across 2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year guarantee periods. The contract credits a competitive fixed rate for the selected term, with interest accruing daily on a 365-day year basis and compounding annually, and is designed for conservative savers who want predictable accumulation insulated from market volatility, along with optional income- and death-benefit-friendly rider features.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 2 Years | 5.40% |
| 3 Years | 6.00% |
| 4 Years | 6.00% |
| 5 Years | 6.00% |
| 6 Years | 5.55% |
| 7 Years | 5.40% |
| 10 Years | 5.40% |
| 15 Years | 4.90% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 5.40% |
Features
| Maximum Issue Age | 80 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (70), the following guarantee period will be applied:
| Guarantee Period | 15 years |
| Rate | 4.90% |
| Age | 55 - 70 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 2 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage