Dream big. Plan big.
We help people nearing retirement secure their future with simple, reliable annuity solutions — designed to deliver peace of mind, steady income, and long-term value.
Start Investing Today
Financial
Planning
Made Easy.
Plan. Invest. Protect. Retire.
Upstream Life provides financial products to individuals striving to secure their financial future. Our only goal is to deliver a variety of options that reduce 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 the needs of each client’s financial goals.
Our Products
Annuities
MYGA
Multi-Year Guaranteed Annuities offer fixed interest rates for a set term, giving you predictable, secure growth without market risk.
Learn MoreSPDA
Single Premium Deferred Annuities turn a one-time investment into long-term, tax-deferred growth—ideal for building future income.
Learn MoreFPDA
Flexible Premium Deferred Annuities let you contribute over time, growing your savings tax-deferred while adapting to your financial pace.
Learn MoreSecurities
Designed for accredited investors, these offerings provide access to exclusive, high-yield opportunities under SEC Regulation D. With 506(c), we can openly market while ensuring full compliance and investor transparency.
ExploreDid you know?
MYGAs offer guaranteed interest rates—so your money grows steadily, no matter what the market does.
Experience you can trust.
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 the needs of each client’s financial goals. With a foundation built on trust, innovation, and long-term stability, we are committed to helping individuals and families navigate their financial journeys with confidence. Our personalized approach ensures that every solution is tailored to support not just today’s needs, but tomorrow’s aspirations. At Upstream Life, we believe in moving forward — together.
Simply
Secure
Return On
Investment
Simply
Secure
Don't take our word for it.
See what our customers have to say. Testimonials arriving soon.
We champion our clients.
At Upstream Life, our clients are at the heart of everything we do. We don’t just offer financial products—we build lasting relationships rooted in respect, transparency, and a deep understanding of your goals. Every policy we craft is a reflection of our commitment to your future, and every interaction is guided by the belief that your success is our success. We’re here to advocate for your best interests, every step of the way.
Our coverage.
At Upstream Life, our reach extends across 24 states—bringing personalized financial solutions to individuals and families throughout the country. Whether you’re planning for retirement, securing your legacy, or building a stronger financial future, our licensed professionals are here to guide you every step of the way.
With a growing footprint and a commitment to local service, we’re proud to be where you are—delivering peace of mind, one policy at a time.