Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Upstream Life review

Annuity Atlas covers 8 Upstream Life annuity products with live rates and contract specs. 8 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

NR

Insurer claims-paying rating

Products tracked
8
MYGA yield (lineup max)
6.38% · 5yr · Secure Legacy 5 Year
Surrender range
2–15 years
Rate as of Jul 6, 2026
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Products covered
8
A.M. Best
NR
Categories covered
MYGA

8 Upstream Life annuities

Click any product for rates, specs, and the full peer-group 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
NR
A.M. BEST
MYGA5-YR SURRENDER
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
NR
A.M. BEST
MYGA4-YR SURRENDER
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
NR
A.M. BEST
MYGA6-YR SURRENDER
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
NR
A.M. BEST
MYGA3-YR SURRENDER
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
NR
A.M. BEST
MYGA7-YR SURRENDER
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
NR
A.M. BEST
MYGA10-YR SURRENDER
Review →
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
NR
A.M. BEST
MYGA2-YR SURRENDER
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
NR
A.M. BEST
MYGA15-YR SURRENDER
Review →

Frequently asked questions

Is Upstream Life a good annuity company?
We have reviewed 8 Upstream Life products, 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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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