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.
| Term | Rate | Projection | |
|---|---|---|---|
| 2-year | 5.30% | $11,088 | View → |
| 3-year | 5.90% | $11,876 | View → |
| 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 | You're here |
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.
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