Upstream Life Insurance Company, Texas (TX): Contacts, Address, Products, Services, Claims, Coverage Details, Reviews

Did you know that only 54% of Americans have life insurance coverage? If you are one of them, finding the right plan is crucial.

Upstream Life Insurance Company offers nationally licensed life insurance and annuity products to secure your financial future.

In this article, I will delve into Upstream Life Insurance, its history, mission, products, and ratings.

I will also compare their products with other market options and provide tips for selecting the best plan for your needs.

An image of Upstream Life Insurance Company logo
Learn everything you need to know about Upstream Life Insurance Company

Upstream Life Insurance Company Contact Information

Here is how you can contact Upstream Life Insurance Company.

Information Upstream Life Insurance Company
Phone Number (877) 543-3504
Address 265 N Lamar Blvd, Oxford, MS, 38655
Customer Service Contact Phone: (877) 543-3504


Policy Details Upstream offers various insurance and annuity products: Term Life, Whole Life, Universal Life, Fixed Annuities, Indexed Annuities.

More details available on their website.

Email Address
Fax Number (662) 234-0145
Operating Hours Monday to Friday, 8:00 AM to 5:00 PM Central Time


Upstream Life Insurance Company Products and Services

In this section, I will discuss the different types of insurance products that this company offers, such as term life, whole life, universal life, fixed annuities, and indexed annuities.

Insurance Offerings

Upstream Life provides a range of life insurance and annuity products to secure your financial future, including term life, whole life, universal life, fixed annuities, and indexed annuities. Learn more on their website.

Customization Options

While special packages are not available, Upstream Life offers flexibility with different premium payment modes, riders, and withdrawal features for their products.

National Coverage

Upstream Life serves U.S. residents exclusively and does not offer international coverage.

Temporary Protection

Their term life insurance policies offer temporary protection for 10, 15, 20, or 30 years, ideal for those seeking short-term coverage for their loved ones.

Upstream Life Insurance Company Claims

To initiate a claim with Upstream Life Insurance, reach out to their customer service at (877) 543-3504 or via email at

You will be asked for essential details about the policyholder and beneficiaries, including names, birthdates, social security numbers, policy numbers, and their relationship.

Additionally, you will need to provide a copy of the death certificate and any necessary documents.

Claim updates can be obtained by contacting customer service, who will keep you informed about the status and any additional requirements.

Required Documents for Claims

For most claims, you will typically need the following documents:

  • Copy of the insured person’s death certificate
  • A copy of the policy or policy number
  • Completed claimant statement forms from each beneficiary
  • Proof of identity and relationship for each beneficiary, such as a driver’s license, passport, birth certificate, or marriage certificate
  • A W-9 form for tax purposes

Average Claim Approval Time

While Upstream Life Insurance doesn’t publicly disclose its average claim approval time, customer feedback suggests efficient processing and benefit payout.

The exact timeframe depends on various factors, including policy type, document accuracy, and verification procedures.

Claim Customer Reviews

Upstream Life Insurance garners positive reviews for its claim service, commended for professionalism, courtesy, transparency, and promptness.

Clients also appreciate the company’s flexibility and compassion in accommodating special circumstances or requests.

Upstream Life Insurance Company Coverage Details

In this section, I will explain the coverage details of this company’s products, such as policy exclusions, coverage limits, deductibles, and add-ons or riders. These details are important to understand before you buy or compare any life insurance or annuity product.

Policy Exclusions

Upstream Life Insurance maintains a policy without specific exclusions. However, similar to most life insurance providers, it may contest claims due to evidence of fraud, misrepresentation, suicide, or homicide within the first two years of the policy. Additionally, benefit amounts may be adjusted in response to errors or changes in policy information or premium payments.

Coverage Limits

Upstream Life Insurance offers diverse coverage limits depending on the policy type and term. For instance, term life insurance policies range from a minimum coverage amount of $50,000 to a maximum of $10 million, while annuity products require a minimum initial premium of $10,000, with a maximum of $1 million. These limits may also fluctuate based on the applicant’s state of residence and age.


Upstream Life Insurance policies do not involve deductibles. Deductibles are typically associated with health or property insurance, rather than life insurance or annuity policies.

Add-Ons and Riders

Upstream Life Insurance provides a variety of optional add-ons and riders to enhance and tailor policy benefits. Some examples include:

Accelerated Death Benefit Rider

This rider allows policyholders to access a portion of their death benefit while still alive if diagnosed with a terminal or chronic illness requiring long-term care.

Waiver of Premium Rider

For those who become totally disabled and unable to work for at least six months, this rider waives premium payments.

Return of Premium Rider

If policyholders outlive the term of their policy, this rider refunds all or part of the premiums paid.

Guaranteed Insurability Rider

This rider enables policyholders to increase their coverage amount at specified intervals or life events without medical underwriting.

Upstream Life Insurance Company Financial Details

Let us delve into the Financial Aspects of Upstream Life Insurance Company.

Premium Costs

The cost of premiums for Upstream Life Insurance Company’s products is influenced by factors including policy type, term, coverage amount, as well as the age, health, and gender of the applicant. For instance, a 50-year-old non-smoking male seeking a $100,000 20-year term life policy can expect to pay a monthly premium of approximately $32.50. You can conveniently estimate your premium costs for different products using their online quote tool.

Payment Options

Upstream Life Insurance Company provides a range of payment options for their products, including monthly, quarterly, semi-annual, and annual payment frequencies. This flexibility allows you to select the payment mode that aligns with your budget and preferences. Furthermore, you have the convenience of changing your payment mode at any time by contacting their customer service. Accepted payment methods include check, money order, bank draft, and electronic funds transfer.

Discounts and Promotions

Presently, Upstream Life Insurance Company does not offer any discounts or promotional deals for their products. However, they offer competitive and cost-effective rates, coupled with flexible options like various riders and withdrawal features.

Claim Payout Ratio

While the specific claim payout ratio for Upstream Life Insurance Company is not publicly disclosed, customer reviews suggest the company is known for its responsive and efficient claims processing, promptly disbursing benefits. The claim payout ratio represents the percentage of claims paid by the insurance company out of the total claims received.

Frequently Asked Questions (FAQs)

Here are answers to common questions about Upstream Life Insurance Company.

How do I log in to Upstream Life Insurance Company website?

To access your Upstream Life Insurance Company account, go to their homepage and click the “Login” button in the top right corner.

You will be directed to a page where you can enter your username and password.

If you’re a new user, you can register by clicking the “Register” button located below the login form.

How do I log in to Upstream Agent Portal?

To log in to the Upstream Agent Portal, visit their portal page and enter your username and password. New users can register by clicking the “Register” button below the login form.

What is Upstream Life Insurance Company’s AM Best rating?

Upstream Life Insurance Company holds an AM Best rating of B++ (Good) for Financial Strength Rating and “bbb+” (Good) for Long-Term Issuer Credit Rating.

These ratings, with a stable outlook, reflect the company’s strong balance sheet, solid operating performance, robust business profile, and effective enterprise risk management.

What is Upstream Life Insurance Company’s revenue?

In 2019, Upstream Life Insurance Company reported a revenue of $36.83 million, as noted by The company operates across two locations with a staff of five employees.


I hope you found this article about “Upstream Life Insurance Company” informative and helpful.

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