Upstream Life Secure Legacy — 2-year fixed annuity at 5.20%
- Locks in 5.20% for 2 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 2 years
Compounded at 5.20% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $520 | $10,520 |
| 2 | $547 | $11,067 |
| Total earnings | $1,067 | $11,067 |
Free-withdrawal allowance: Interest only / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #1 — highest 2-year rate of 22 MYGAs we cover
- Top 2-year CD
- 4.20% APY · $10,858 at maturity (taxed annually)
Same product, other terms
Other Secure Legacy terms from Upstream Life
Projections shown for a $10,000 premium.
| Term | Rate | Projection | |
|---|---|---|---|
| 2-year | 5.20% | $11,067 | You're here |
| 3-year | 5.80% | $11,843 | View → |
| 4-year | 5.80% | $12,530 | View → |
| 5-year | 5.90% | $13,319 | View → |
| 6-year | 5.60% | $13,867 | View → |
| 7-year | 5.50% | $14,547 | View → |
| 10-year | 5.40% | $16,920 | View → |
| 15-year | 4.95% | $20,641 | View → |
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 10.0% |
| Year 2 | 9.0% |
Contract terms
What else to know
Term
2 years guaranteed at 5.20% 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.
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