Secure Legacy

Upstream Life's Secure Legacy is a splendid annuity plan that helps ensure peace of mind in retirement. They offer multiple maturity options, for periods from 3 to 20 years, providing risk-free, guaranteed positive returns. What's more, their annuities eliminate financial market risks and volatility.

Upstream Life stands out thanks to its dedication to customer service, commitment to honesty, and focus on tailored client needs. Each annuity plan is designed to create lasting financial security throughout your retirement. Their experienced team acts as a pillar of support, offering value to both agent and client with the utmost integrity. Secure Legacy annuity plan guarantees a future you can look forward to.

Secure Legacy

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About Product

Premium Type

Single Premium

Fee withdrawal:

Interest only

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

100

Types Of Funds

Non-Qualified, IRA, IRA Rollover, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, and Inherited IRA

MYGA Interest Rates

Term	Rate Annual percentage yield (APY) earned over the investment term
2 years	5.25%
3 years	6%
4 years	5.7%
5 years	5.95%
6 years	5.55%
7 years	5.3%
10 years	5.3%
15 years	4.8%

The Upstream Life Secure Legacy MYGA is an industry-leading single premium fixed annuity, offering a multi-year guaranteed interest period. This annuity accrues compound interest in a tax-deferred manner and offers income and death friendly features and riders. (Required Death Benefit Rider 81+ | Costs 25 basis points)

10% Free Withdrawal Rider

Beginning second contract year
Up to 10% of the contract value
Costs 15-basis point reduction in crediting interest rate
Minimum withdrawal $100
Lump-sum or equal monthly or quarterly payments

Surrender Charge
For issue ages, 55+, the 15-year and 20-Year Guarantee Period will have surrender charges reduced to 0% in years 11+.

During all Renewal Guarantee Periods, the Surrender Charge is 5% during the Renewal Guarantee Period.

Accumulated Interest

After 30 days
Accumulated interest
Minimum withdrawal $100
Lump-sum or equal monthly or quarterly payments

Required Minimum Distribution

After 30 days
Minimum withdrawal $100
Current year's RMD should be taken prior to transfer/rollover

Market Value Adjustment
Selling an investment security before its due date can result in an unanticipated gain or loss in value. That gain or loss affects the value of the annuity. Accordingly, the market value adjustment (MVA) is a factor by which the contract value and/or partial withdrawal amounts are adjusted during any surrender charge period to reflect such gain or loss. The MVA is based on the constant maturity treasury (CMT) rate appropriate for the guarantee period.

Renewals
During the last thirty (30) days before the end of any Interest Guarantee Period, the Owner may choose one of the following options, to take effect on Your next Contract Anniversary:

Renewal Guarantee Period equivalent to the Initial Guarantee Period as shown in Contract Specifications:

Continue Your Contract for a Renewal Guarantee Period equivalent to the Initial Guarantee Period as shown in Contract Specifications, at an Interest Rate that may be different from the Interest Rate in the preceding Interest Guarantee Period; or
Make a Partial Withdrawal, with no Surrender Charge or Market Value Adjustment, and apply the remaining Contract Value to continue Your Contract for a Renewal Guarantee Period equivalent to the Initial Guarantee Period as shown in Contract Specifications, at an Interest Rate that may be different from the Interest Rate in the preceding Interest Guarantee Period

Renewal Guarantee Period

Continue Your Contract for a Renewal Guarantee Period, at an Interest Rate that may be different from the Interest Rate in the preceding Interest Guarantee Period; or make a Partial Withdrawal, with no Surrender Charge or Market Value Adjustment, and apply the remaining Contract Value to continue Your Contract for a Renewal Guarantee Period of Years, at an Interest Rate that may be different from the Interest Rate in the preceding Interest Guarantee Period.

Make a Full Surrender of the Contract with no Surrender Charge or Market Value Adjustment.

We will mail notice at least 15 days but not more than 45 days prior to the beginning of the application period where the owner has the ability to apply for the contract value on an unadjusted basis (no MVA).

Unless You select one of the options shown above, Your Contract will continue automatically for another Renewal Guarantee Period of 5 Years at a new Renewal Guaranteed Interest Rate. The new Interest Guarantee Period will not extend beyond the Maturity Date. If Your Contract is continued for another Renewal Guarantee Period, the Surrender Charges and Surrender Charge Period is shown in Contract Specifications apply to the new Renewal Guarantee Period.

Riders

Name	Inbuilt	Fee
10% Free Withdrawal Rider will reduce the rate by 15 basis points	No	0.15% rate reduction
Death Benefit Rider will reduce the rate by 25 basis points (required ages 81+)	No	0.25% rate reduction