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Symetra Classic Universal Life Insurance with Lapse Protection Benefit

Symetra Classic, with an optional Lapse Protection Benefit, provides lifetime protection with guarantees.



When you purchase Symetra Classic with Lapse Protection Benefit, you are buying a policy that ensures your death benefit coverage will be guaranteed. Your policy will be in-force for as long as you'd like, without regard to factors (such as policy charges and changes in interest rates) that are outside of your control. As long as sufficient premium payments are made on a timely basis (as illustrated), no unscheduled loans or partial withdrawals are taken, no increases in face amount or change in death benefit option are made, and policy loan value does not exceed the policy's cash surrender value, your insurance coverage will remain in effect.1

    In addition, each net premium is guaranteed to earn a current interest rate for a 12-month period from the date the premium is received.

Lifestyle Rewards

    If you qualify for our GoodLife Rewards program, you can potentially lower the overall cost of your insura​nce. This program is available for insureds 20-70 years old, and credits are applied during underwriting for good health and lifestyle.2

Included Benefits3

With the Accelerated Death Benefit Rider for Terminal Illness, up to 75% of the policy's death benefit ($250,000 maximum) can be accessed in advance if a physician certifies that you are terminally ill with less than 12 months to live. The benefit is paid in a lump sum, without surrender charges.4

With the Accelerated Death Benefit Rider for Cognitive Impairment and Limited Activities of Daily Living, up to 50% of the policy's death benefit ($250,000 maximum) can be accessed in advance if the insured you are unable to perform at least two of the six activities of daily living for a continuous 90-day period, or have a severe cognitive impairment for 90 continuous days, requiring supervision to ensure the heath and safety of yourself and others.4,5

Optional Riders3

The Accidental Death Benefit, Additional Term Rider and Charitable Giving Benefit are available at an additional cost. 

Interested in learning more? Learn how an advisor can help you.

Symetra Classic Universal Life Insurance is a flexible premium universal life insurance policy issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Policy form number is ICC11_LC5 in most states. Product is not available in all U.S. states or any U.S. territory.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact your insurance professional for complete details.

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

The Lapse Protection Benefit, form number ICC13_LE5, is not available in all states and terms and conditions may vary by state in which it is available. Insurance coverage will continue as long as the Lapse Protection Benefit remains in effect. Note that any increase in the policy's face amount after issue will terminate the Lapse Protection Benefit.

Withdrawals or loans on modified endowment contracts (MECs) may be subject to federal income tax and a 10% IRS penalty on amounts taken prior to age 59½.  
1The Lapse Protection Benefit prevents the policy from entering the Grace Period when the policy is in a Lapse Protection Benefit Period. Coverage will remain in effect as long as the cash surrender value of the policy is greater than the sum of all outstanding policy loans and loan interest, sufficient premiums are paid, no unscheduled loans or withdrawals are taken, no increases are made to the face amount and the Death Benefit Option is not changed.

2Restrictions may apply to Symetra GoodLife Rewards and it is subject to change without notice.

3May not be available in all states and terms and conditions may vary by states in which they are available.

4Only available for issue ages 20-85, and not available on rated policies. The accelerated death benefit, plus any accrued interest, will be secured by a lien against the death benefit. The death benefit will be reduced by the amount of the lien, and the policy will terminate with no death benefit payable if the amount of the lien grows to equal the death benefit. Receipt of an accelerated death benefit may be taxable. You should consult your personal tax or legal advisor before applying for this benefit. You may also lose your right to receive certain public funds such as Medicare, Medicaid, Social Security, Supplemental Security, Supplemental Security Income (SSI), and possibly others. This accelerated death benefit is intended to qualify under section 101(g) (26 U.S.C. 101(g)) of the Internal Revenue Code of 1986 as amended by public law 104-191. The death benefit and loan value will be reduced if an accelerated death benefit is paid. 

"Cognitive impairment" generally means a loss or deterioration in a person’s intellectual capacity and includes diseases like Alzheimer’s and various forms of irreversible dementia. "Activities of daily living" generally means routine daily self-care activities, such as getting dressed, eating, using the bathroom and getting in and out of bed.
Learn more about Classic.  

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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.