Upstream life insurance company orange logo my annuity store insurer profiles

Upstream Life Insurance Company

Upstream Life Insurance Company Review & 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. They received an AM Best Financial Rating of B++ and a Long-Term Issuer Credit Rating of BBB+. As a new company, Upstream Life’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 on being a leader in the life insurance and annuity market-place 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), and 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 plan to continue the expansion of the holdings, and enhancing the legacy of their platform.

Contact Information

Marketing / Sales:

PO Box 2940

Oxford, MS 38655-2771

Phone Number:



Company Website

Upstream Life Insurance Agent Login Portal

Upstream Life Facebook Page

Upstream Life LinkedIn Page

Administrative Office:

PO Box 813

Brownwood, TX 76804-0813

Phone Number:


Email Addresses

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

  • Secure Legacy 3
  • Secure Legacy 5
  • Secure Legacy 7
  • Secure Legacy 10

Sign Up for Monthly Annuity Rate Updates

Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. The information presented here is not intended to be a recommendation to purchase a fixed annuity (MYGA), fixed index annuity(FIA), variable annuity (VA), registered index linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). 

The contract features described may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts which are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns. 

The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and it does not provide tax or legal advice. You should always consult your own financial planning, tax, and legal advisors to determine if a fixed annuity, fixed index annuity, annuity with long term care rider, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract are suitable in your financial situation.

Financial Data for the year ending December 31, 2019. Assets and Liabilities totals do not include amounts allocated to Separate Accounts. All ratings shown are current as of June 16, 2020

Scroll to Top

Stay Informed

Annuity Rates Change Frequently – Sign up to receive monthly annuity rate updates.