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Active Product: Upstream Life – Secure Legacy 81+ (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)
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.
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 | 5.15% |
| 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 based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 5.15% |
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 | 4.65% |
| 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