What is the minimum guaranteed surrender value for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

Secure Legacy 81+ MYGA is a Single Premium Deferred Annuity (SPDA) for older clients, with the same guarantee periods and surrender structure as the standard Secure Legacy MYGA. The owner makes a one-time premium payment and chooses a 2-, 3-, 4-, 5-, 6-, 7-, 10-, or 15-year term. Interest grows tax-deferred at a fixed rate that has been adjusted downward by 0.25% to reflect the mandatory Death Benefit Rider. The policy allows access to accumulated interest and RMDs after the waiting period, and the optional 10% Free Withdrawal Rider can still be elected for additional liquidity (further reducing the credited rate by 0.15%). An MVA applies to most withdrawals above free allowances and to full surrenders during the guarantee period. At the end of each guarantee period, the same 30-day renewal window applies as in the base product.

What is the minimum premium amount for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

The maximum issue age is 80 years.

What is the current interest rate for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

The current interest rate is 5.15%.

What is the surrender charge schedule for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

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

What are the best rates available for Upstream Life – Secure Legacy 81+ (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)?

The best available rate is 4.65% for a 15 year term.

Upstream Life

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

About this product

The Upstream Life Secure Legacy 81+ MYGA is a version of the Secure Legacy single-premium Multi-Year Guaranteed Annuity (MYGA) designed specifically for issue ages 81 and older. It mirrors the standard Secure Legacy contract structure and guarantee periods (2, 3, 4, 5, 6, 7, 10, and 15 years), but requires the Death Benefit Rider at issue so that beneficiaries receive the full contract value on the owner’s death. Because the Death Benefit Rider is mandatory, Secure Legacy 81+ MYGA credits a rate that is 0.25% lower than the standard Secure Legacy MYGA rates for the same guarantee period.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

2 Years	5.15%
3 Years	5.75%
4 Years	5.75%
5 Years	5.75%
6 Years	5.30%
7 Years	5.15%
10 Years	5.15%
15 Years	4.65%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $1,000,000.00

5.15%

Features
Maximum Issue Age	80 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

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