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

Secure Legacy 81+ NV MYGA is a Single Premium Deferred Annuity designed specifically for Nevada residents aged 81 and older. The owner pays a single premium and selects a 2-, 3-, 4-, 5-, 6-, 7-, 10-, or 15-year guarantee period. Interest is credited at Nevada-adjusted 81+ rates (standard base rate × 0.9, minus an additional 0.25%) and grows tax-deferred. The Death Benefit Rider is mandatory, providing full contract value as the death benefit with no surrender charge or MVA reduction. The optional 10% Free Withdrawal Rider is still available (further decreasing the credited rate by 0.15%). Interest, RMDs, and any rider-based free withdrawals are accessible subject to minimums, while excess withdrawals and full surrenders during the term may incur surrender charges and MVA. At term end, a 30-day renewal window offers the same choices as the base NV product: renew, renew into 5 years, partial withdrawal plus renewal, or penalty-free surrender. Automatic renewal to 5 years applies if no action is taken, with a flat 5% surrender charge during that renewal period.

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

The current interest rate is 4.61%.

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

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.

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

The best available rate is 4.16% for a 15 year term.

Upstream Life

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

About this product

The Upstream Life Secure Legacy 81+ NV MYGA is the Nevada, age 81+ version of the Secure Legacy multi-year guaranteed annuity. It combines:

The Nevada 10% rate reduction requirement, and

The mandatory Death Benefit Rider for ages 81+,

resulting in crediting rates equal to the standard Secure Legacy MYGA rate, reduced first by 10% for Nevada, then by 0.25% for the 81+ Death Benefit Rider. All other features mirror the underlying Secure Legacy chassis: full principal protection, fixed rates, consistent surrender charge structures, and familiar guarantee periods (2–15 years).

Available Rates

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

2 Years	4.61%
3 Years	5.15%
4 Years	5.15%
5 Years	4.75%
6 Years	4.75%
7 Years	4.61%
10 Years	4.61%
15 Years	4.16%

Available Guarantee Periods

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

$10,000.00 - $1,000,000.00

4.61%

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