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

Secure Legacy NV MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and chooses a 2-, 3-, 4-, 5-, 6-, 7-, 10-, or 15-year term. During this period, interest grows tax-deferred at the Nevada-adjusted guaranteed rate for that term. The base policy provides access to accumulated interest and Required Minimum Distributions (RMDs) after the initial waiting period, and an optional 10% Free Withdrawal Rider can be added to increase annual penalty-free access starting in the second contract year in exchange for a modest reduction in the credited rate. A Market Value Adjustment (MVA) applies to most withdrawals in excess of free-withdrawal provisions and to full surrenders during the guarantee period. At the end of each guarantee period, there is a 30-day window during which the owner may renew, surrender, or transition to another guarantee period without surrender charges or MVA. If no election is made, the contract automatically renews into a 5-year renewal period at the then-current renewal rate (with a flat 5% surrender charge during that renewal period).

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

The current interest rate is 4.86%.

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

Surrender charges apply to withdrawals beyond free provisions. Additionally, a Market Value Adjustment (MVA) is applied, which may increase or decrease surrender values depending on prevailing interest rates at the time of withdrawal.

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

The best available rate is 4.41% for a 15 year term.

Upstream Life

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

About this product

The Upstream Life Secure Legacy NV MYGA is the Nevada-specific version of the Secure Legacy single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Upstream Life Insurance Company. It provides fixed, tax-deferred interest growth and full principal protection across 2-, 3-, 4-, 5-, 6-, 7-, 10-, and 15-year guarantee periods, with all contract mechanics and rider options mirroring the standard Secure Legacy MYGA. Nevada regulations require that Secure Legacy NV credit interest at 10% lower than the standard series rates, while maintaining the same guarantee periods, surrender charge structure, and liquidity options. This design gives Nevada residents access to the same stable, predictable accumulation with product terms aligned to state requirements.

Available Rates

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

2 Years	4.86%
3 Years	5.40%
4 Years	5.40%
5 Years	5.40%
6 Years	5.00%
7 Years	4.86%
10 Years	4.86%
15 Years	4.41%

Available Guarantee Periods

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

$10,000.00 - $1,000,000.00

4.86%

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