A.M. Best C++ rated
Upstream Life Annuities
Upstream Life is an A.M. Best C++-rated annuity carrier. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
C++
A.M. Best
Annuity products
0
Registry pending
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- Carrier
- Upstream Life
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Financial Strength
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About Upstream Life
Upstream Life provides life insurance, annuity products, and investments to individuals looking to secure their financial future and avoid the financial risks typically associated with fluctuating financial markets. Continuing the legacy established in 1912, Upstream Life acquired the financial company from Americo in 2015 and today is proud to deliver a range of client-focused products created to address each client’s financial goals.
Financial Strength In Plain English
Upstream Life Insurance Company’s financial ratings reflect significant concerns about its long-term stability and reliability. As of late 2024, AM Best downgraded its rating to C++ (Marginal), a lower-tier evaluation indicating vulnerability to adverse economic and operational pressures. This downgrade followed earlier concerns about the company’s financial strength and governance. Subsequently, AM Best withdrew its rating at Upstream Life’s request, amplifying doubts regarding its capacity to meet policyholder obligations. Investors should approach with caution, given the company’s recent regulatory issues, including fines and allegations of financial misrepresentation, which further question its ability to operate securely.
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Upstream Life Product Families
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Fixed Indexed Annuities
FIAIndexed-crediting products with caps, participation rates, floors, and rider fields.
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MYGAGuaranteed-rate products by term, state, premium band, and filing.
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SPIASingle-premium income quotes and payout context.
View Immediate Annuity ratesDeferred Income Annuities
DIADeferred income and QLAC-style quote paths.
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