Upstream Life Insurance Company Review & Ratings

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Upstream Life Insurance Company

Upstream Life Insurance Company Ratings

Upstream Life Insurance Company
Mailing Address265 North Lamar Blvd, Suite A, Oxford, MS 38655
A.M. Best Rating (15 possible ratings)B++ (5th)
Assets to Liabilities178%

In June 2020, Upstream Life was assigned positive Credit Ratings by AM Best and was assigned an AM Best Financial Rating of B++ and a Long-Term Issuer Credit Rating of BBB+. 

As a new company, Upstream’s ratings stem from extraordinarily strong balance sheet strength (namely a 178% assets/ liabilities ratio), appropriate enterprise risk management, and satisfactory operating performance.

Upstream Life Insurance Company provides life insurance and annuity products to individuals looking to secure their financial future and avoid the financial risks typically associated with financial markets. 

With aspirations of being a leader in the life insurance and annuity marketplace, Upstream continues to issue fixed annuity products with industry-leading interest rates.

Upstream Life Company History

Upstream Life Insurance Company, formerly known as Financial Assurance Life Insurance Company, was founded in 1912. The company was re-branded Upstream Life when it was acquired by Upstream Holdings, a Louisiana-based insurance holding company established in 2016. 

Upstream Life provides life insurance and annuity products to individuals looking to secure their financial future and avoid the financial risks typically associated with financial markets.

According to the company, Upstream Life plans on becoming a leader in the life insurance and annuity market, ultimately continuing the legacy that began in 1912, delivering unique products and services throughout the United States.


Upstream Life Insurance Company Founders, Colby Arceneaux, (Executive Director and Chairman), father and son team Kevin Hebert (President of Sales), and Derek Hebert (President and CEO) are all highly driven former college athletes hailing from South Louisiana. 

Arceneaux began his career in accounting and corporate finance in 2010 and was educated at the University of Chicago Booth School of Business, Loyola University Chicago Graduate School of Law, Tulane University A.B. Freeman School of Business, Northwestern State University School of Business, and the University of Mississippi Patterson School of Accounting. 

Kevin is a nationally recognized industry professional, boasting an array of professional achievement awards throughout his 36-year insurance career. Derek is a second-generation insurance professional, having worked in the industry since graduating from Louisiana State University in 2005. 

The group founded Upstream in 2016 and plans to continue the expansion of the holdings, and enhance the legacy of its platform.

Contact Information

Marketing / Sales:

PO Box 2940

Oxford, MS 38655-2771

Phone Number:



Company Website

Upstream Life Agent Login 

Upstream Life Facebook Page

Upstream Life LinkedIn Page

Administrative Office:

PO Box 813

Brownwood, TX 76804-0813

Phone Number:



Upstream Life Fixed Annuity Rates

Multi-Year Guarantee Annuity (MYGA) Rates

    • Secure Foundation 3
    • Secure Foundation 5
    • Secure Foundation 7
    • Secure Foundation 10

Traditional Deferred Annuity

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