Upstream Life Secure Legacy — 15-year fixed annuity at 5.05%
- Locks in 5.05% for 15 years
- Open with $10,000 to $1,000,000
- Free withdrawals allowed for:
- All interest earned
- Required IRA distributions
Rates as of May 8, 2026
Projected balance
over 15 years
Compounded at 5.05% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $505 | $10,505 |
| 2 | $531 | $11,036 |
| 3 | $557 | $11,593 |
| 4 | $585 | $12,178 |
| 5 | $615 | $12,793 |
| 6 | $646 | $13,439 |
| 7 | $679 | $14,118 |
| 8 | $713 | $14,831 |
| 9 | $749 | $15,580 |
| 10 | $787 | $16,367 |
| 11 | $827 | $17,193 |
| 12 | $868 | $18,061 |
| 13 | $912 | $18,974 |
| 14 | $958 | $19,932 |
| 15 | $1,007 | $20,938 |
| Total earnings | $10,938 | $20,938 |
Free-withdrawal allowance: Interest only / yr. Withdrawals beyond the allowance trigger the surrender charge below.
Same product, other terms
Other Secure Legacy terms from Upstream Life
Projections shown for a $10,000 premium.
Contract terms
What else to know
Term
15 years guaranteed at 5.05% APY
Investment range
$10,000 – $1,000,000
Funding sources accepted
Traditional IRA, Non-Qualified, Inherited IRA, 1035 Exchange, IRA Rollover, SIMPLE IRA, IRA-Roth, SEP IRA
Owner age
0 to 100 years old
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- RMD-Friendly (RMD withdrawals exempt from surrender charge)
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Upstream Life contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
Before you decide
Let us mail you our Verification Checklist.
It shows you how to check this carrier for yourself — what your state guarantees if it ever fails, what you can take out early and what that costs, at the amount you’re considering.
Free. Arrives in about a week.