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Variable Deferred Annuities

Variable deferred annuities are long-term insurance products designed to build retirement income through tax-deferred growth.

  • They are tied to market performance, so these annuities have the most growth potential, and also the most risk. Consider them for the longer term, more aggressive part of your savings plan.

  • You choose how your money is invested. There are a variety of quality underlying funds to select from.

  • You can withdraw a portion of your contract value--10% or more per year, depending on the product--without surrender charges. If you select an annuity option, you will receive income for life or a specified period of time.


A low-fee1, variable annuity without surrender charges. Select from over 100+ underlying funds, managed by leading money managers.

​​A traditional variable annuity with 60+ quality portfolios to choose from.

Before investing, carefully consider the investment objectives, risks, charges and expenses. This and other information is contained in the contract prospectus and the underlying portfolio prospectuses. Please call or write your Registered Representative or Symetra for free copies of the prospectuses or visit for an online copy. Please read them carefully before investing.
Securities are offered through Symetra Securities, Inc. (SSI). Variable annuities are issued by Symetra Life Insurance Company (SLIC) and are not available in all U.S. states or any U.S. territory. SSI and SLIC are affiliates and are both located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Each company is responsible for its own financial obligations. 

Symetra True Variable Annuity is a flexible premium deferred variable annuity issued by Symetra Life Insurance Company (SLIC).  Contract form number is ICC12_RC1 and Wealth Transfer Benefit (WTB) rider form number is ICC12_RE1 in most states.

Spinnaker Variable Annuity is a flexible-premium deferred annuity issued by Symetra Life Insurance Company. Contract form number is LPC-1175 2/04 in most states and LPC-1175/OR 5/05 in Oregon.
Annuity contracts have terms and limitations for keeping them in force. Please call your registered representative for complete details.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Variable annuities, which are suitable for long-term investing, are subject to market risks, including the potential loss of principal invested. Like many variable annuities, these contracts have terms and limitations for keeping them in force. Clients should contact their Registered Representative for complete details.
Withdrawals may be subject to federal income tax and a 10% IRS early withdrawal tax penalty may also apply for amounts withdrawn prior to age 59 ½. Consult your attorney or tax advisor for more information. 

1Source: Morningstar survey of 445 open individual variable annuities on March 31, 2014. The total mortality and expense, administrative, and distribution expense fees for True VA equal 0.60%, placing it in the lowest quartile of variable annuities. If the maximum subaccount fund facilitation fee of 0.15%, (which is not currently charged), were included in total expenses, True VA would still be in the lowest quartile of variable annuities. The comparison of total expenses does not include fees associated with the underlying funds.

Spinnaker® and True Variable Annuity® are registered service marks of Symetra Life Insurance Company.​

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.