Upstream Annuities

Upstream Life delivers a suite of annuity products built for simplicity, stability, and long‑term value. Their mission centers on helping Americans approaching retirement secure their financial futures through predictable, no‑nonsense annuity solutions. This makes Upstream an excellent carrier partner for FMOs and independent insurance agents seeking dependable products their clients can easily understand.

Why Partner With Upstream Life?

Upstream Life continues a legacy that dates back to 1912 and focuses on offering annuities designed to reduce financial risks typically tied to fluctuating markets. Their product suite includes:

• MYGA – Multi‑Year Guaranteed Annuities
  Offer fixed interest rates over a set term for predictable, secure growth without market volatility.
• SPDA – Single Premium Deferred Annuities
  Turn a one‑time premium into long‑term, tax‑deferred growth, ideal for building future retirement income. (Coming soon)
• FPDA – Flexible Premium Deferred Annuities
  Allow clients to contribute at their own pace while still benefiting from tax‑deferred growth. (Coming soon)

Benefits for Insurance Agents

Working with Upstream gives agents access to competitive tools, support, and compensation advantages, including:

1. Value‑Added Commission Structures

Upstream emphasizes aligning client, agent, and company objectives, supporting agent success while delivering strong value to policyholders.

2. Supplemental Insurance Protection for Agents

They provide agents with coverage such as E&O, gap insurance, and other company‑provided protections, helping you build your business with confidence.

3. Dedicated Agent Resources

Upstream offers a robust set of sales and service tools including brochures, service forms, policy maps, rates, and more.

4. Easy Access to Illustration Tools

The Upstream Life Illustration Portal gives agents a streamlined way to run product illustrations and support client presentations.

Benefits for Your Clients

Upstream annuities appeal to pre‑retirees and retirees who want clarity, security, and dependable income:

1. Guaranteed Growth Without Market Exposure

MYGAs offer guaranteed fixed interest rates, ensuring growth regardless of economic swings, key benefit for conservative clients.

2. Tax‑Deferred Accumulation

All product types (MYGA, SPDA, FPDA) support tax‑deferred growth, helping savings accumulate more efficiently over time.

3. Straightforward, Easy‑to‑Understand Structure

Upstream minimizes complexities and focuses on simple, reliable solutions, a feature clients consistently appreciate when planning for retirement.

4. Backed by a Century‑Long Legacy

With roots dating to 1912 and a renewed commitment since their 2015 acquisition of Americo’s financial company, Upstream provides the stability customers want from a retirement product provider.

Agent Resources

Upstream provides a comprehensive support hub with tools designed to simplify business processing and empower producers:

• Upstream Agent Portal Login
  Agents can log in directly here to manage business, access forms, and run illustrations:
• Agent Resources
  Forms, applications, product materials, running illustrations, and more.