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Fixed-Payment Medical

Select Benefits is a suite of fixed-payment health, life and ancillary group insurance products. Benefits can be offered to
full-time, part-time, hourly, temporary and seasonal workers, plus their dependents.


  • Availability: All states except New York, Hawaii, New Hampshire, Idaho and Connecticut. Contact your broker for additional information about the availability of benefits for your particular state.

  • Administration charges: Included at no additional charge to the policyholder.

  • Required employer premium contribution: None. Can be available as a voluntary benefit.

  • No pre-existing conditions limitations.

  • Guaranteed issue: No medical underwriting required.1
  • No coordination of benefits or required networks. 



Select Benefits may help businesses looking to:

  • Replace an existing mini-med policy.

  • Provide benefits to those who may be losing coverage or who find themselves priced out of a major medical plan.

  • Enhance a current plan with supplemental coverage.

  • Fill gaps from a high-deductible plan.

  • Offer different coverage or benefit amounts to various workers.


Group Types
Employer/Employee Groups and 1099 workers
Market Segments

  • Working insureds with a need for supplemental coverage or additional benefits

  • Working uninsured


Select Benefits can be offered as stand-alone coverage, as an enhancement to a current plan or to fill gaps in a high-deductible plan. Monthly and hourly plans can be customized based on the budget and benefit needs of the group.
Individual Benefit Maximums as well as Shared Benefit Maximums are available to policyholders.
We service what we sell
All policy and claims administration is handled by Select Benefits Administrators (SBA), an administrative division of Symetra Life Insurance Company dedicated to Select Benefits business.
Select Benefits insurance policies are not a replacement for a major medical policy or other comprehensive coverage. They are designed to provide benefits at a preselected, fixed-dollar amount. Coverage may be subject to exclusions, limitations, reductions, and termination of benefit provisions. Select Benefits policies are insured by Symetra Life Insurance Company located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.
1 Except for late entrants on life and/or disability.








Enter your plan requirements and let us get started on your proposal.


Call: 1-800-210-1106, option 1



Interested in offering group limited benefit medical insurance to your clients?

Copyright © 2004 - Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004. All rights reserved. Symetra® is a registered service mark of Symetra Life Insurance Company.
Customers may access their account information from this site. Other information in this site may be pending approval for use in states with website filing requirements.