Upstream Life review

Annuity Atlas has published 8 editorial reviews of Upstream Life products. Average peer-group rating 3.2 / 5, top-rated product earns 3.4 / 5. Browse the full lineup below.

Our rating

3.2

Avg ★ / 5

Products reviewed8

A.M. BestNR

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Reviews published

Average rating

★ 3.2 / 5

A.M. Best

Categories covered

MYGA

8 Upstream Life annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Secure Legacy 2 Year Shoppers who want the shortest possible lock-in in the Secure Legacy lineup and are comfortable with an unrated carrier and narrow state availability	MYGA	2yr	NR	—	—	Review →
Secure Legacy 4 Year Buyers in an approved state who are comfortable with an unrated carrier and want a locked 5.90% rate, though the 3-year version of this same product pays the identical rate with a shorter commitment	MYGA	4yr	NR	—	—	Review →
Secure Legacy 6 Year Buyers in one of the roughly two dozen approved states who want a locked mid-term rate and are comfortable holding an unrated carrier	MYGA	6yr	NR	—	—	Review →
Secure Legacy 3 Year Rate-focused shoppers with money to lock for exactly three years who have already priced in the risk of an unrated carrier and confirmed their state is on the approved list	MYGA	3yr	NR	—	—	Review →
Secure Legacy 5 Year Shoppers comfortable with an unrated carrier and a narrow state footprint who want the highest rate in the Secure Legacy lineup, provided they confirm that rate is still on offer	MYGA	5yr	NR	—	—	Review →
Secure Legacy 10 Year Buyers in one of Upstream Life's roughly two dozen approved states who need a full 10-year deferral and are comfortable underwriting an unrated carrier's long-term claims-paying ability	MYGA	10yr	NR	—	—	Review →
Secure Legacy 7 Year Someone who specifically needs a seven-year time horizon and is comfortable holding a contract from an unrated carrier -- not someone shopping purely for the best rate	MYGA	7yr	NR	—	—	Review →
Secure Legacy 15 Year Someone who has already decided they want an unrated carrier and a 15-year commitment, and who has specifically compared this rate against Upstream's own shorter terms first	MYGA	15yr	NR	—	—	Review →

Frequently asked questions

Is Upstream Life a good annuity company?

Upstream Life earns an average rating of 3.2/5 across the 8 products we've reviewed, and A.M. Best rates the carrier NR for financial strength.

What is the surrender period for Upstream Life annuities?

Surrender periods on Upstream Life's current lineup run 2–15 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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