Upstream Life Secure Legacy — 3-year fixed annuity at 5.90%
- Locks in 5.90% for 3 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 3 years
Compounded at 5.90% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $590 | $10,590 |
| 2 | $625 | $11,215 |
| 3 | $662 | $11,876 |
| Total earnings | $1,876 | $11,876 |
Free-withdrawal allowance: Interest only / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #4 of 148 (top is 6.00% — Sentinel Security Personal Choice ages 60+)
- Top 3-year CD
- 4.20% APY · $11,314 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 | 5.30% | $11,088 | View → |
| 3-year | 5.90% | $11,876 | You're here |
| 4-year | 5.90% | $12,577 | View → |
| 5-year | 6.00% | $13,382 | View → |
| 6-year | 5.70% | $13,946 | View → |
| 7-year | 5.60% | $14,644 | View → |
| 10-year | 5.50% | $17,081 | View → |
| 15-year | 5.05% | $20,938 | View → |
Contract terms
What else to know
Term
3 years guaranteed at 5.90% 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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