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Underwriting

Symetra is committed to working with you to deliver group life insurance solutions that can help meet the needs of your clients, their employees and families.

Our underwriting guidelines require a group to be established for at least 2 years as well as the following information. Details on each will be needed in order for Symetra to release a quote:

  • Class description and benefit schedule

  • Guarantee issue limit and benefit maximum

  • Age reductions for life insurance and accidental death and dismemberment (AD&D), when applicable

  • A census that includes date of birth and gender. (If benefits are a multiple of salary, salary information is also needed on the census form.)

  • Experience for groups over 500 lives

  • Copy of current contract is required for groups with 500 or more lives, and helpful for all groups


PARTICIPATION REQUIREMENTS


Basic Group Life

  • Noncontributory – 100% of eligible employees

  • Contributory – 75% of eligible employees

Supplemental Group Life

  • The greater of 15% of eligible employees or 10 employees
 

CENSUS TEMPLATE

Groups with 500 or more employees require a complete census, including employees' date of birth and gender prior to quoting. If the benefit is a multiple of salary, salary information is also needed.
 
Please complete the census in an Excel format.   
 
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