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Active Product: Upstream Life – Secure Legacy 81+ NV (2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year terms)
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).
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 | 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 based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.61% |
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 | 4.16% |
| 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