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Symetra SUL-G 1.0 Survivorship Universal Life Insurance



Symetra SUL-G 1.0 provides guaranteed protection on two insureds.

Legacy Planning and Guarantees
When you purchase SUL-G 1.0 Survivorship Universal Life Insurance, you are buying a policy that helps ensure your death benefit coverage will be guaranteed and your legacy planning goals are being met. Your policy can be an effective tool for estate planning and wealth transfer, as well as for business-protection needs. When used as part of an estate-planning strategy utilizing an Irrevocable Life Insurance Trust (ILIT), the death benefit will generally pass to your beneficiaries free of federal and estate taxes.1
Included Benefits2,3
With the Lapse Protection Benefit, you can ensure that the 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, and the policy loan value does not exceed the policy’s cash surrender value, the insurance coverage will remain in effect.
Optional Riders3
  • Charitable Giving Benefit pays an additional benefit to the qualified charity of choice upon death of the surviving insured.4
  • Estate Preservation Rider provides additional term life insurance coverage if both insureds die within the first four years of the policy.5 
Interested in learning more? Learn how an advisor can help you.
Symetra SUL-G 1.0 is a flexible premium adjustable survivorship life insurance policy issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. This policy is not available in all U.S. states or any U.S. territory; however, where available, it is usually issued under Policy form number ICC14_LC1.
Policy riders are not available in all U.S. states or any U.S. territory; however, where available, they are usually issued under the following policy form numbers: Policy Split Option Rider form number ICC14_LE1, Estate Preservation Rider form number ICC14_LE2, Lapse Protection Benefit Rider form number ICC14_LE3, and Charitable Giving Benefit Rider form number ICC14_LE4.
Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please call your insurance professional for complete details.
Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.
Certain benefits or riders may have tax implications. You should consult your legal or tax advisor prior to purchasing.
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.
1 Trusts should be drafted by an attorney familiar with such matters. Failure to do so could result in adverse treatment of trust proceeds. Symetra Life Insurance Company does not provide tax advice.
2 The 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, and no unscheduled loans or withdrawals are taken. Increases to the face amount are not allowed.
3 May not be available in all states and terms and conditions may vary by states in which it is available.
4 Only available on policies with face amounts of $100,000 or more. Payment is 1% of the original base policy face amount, to a maximum of $100,000. If the policy face amount has been decreased, 1% of the remaining base policy face amount is paid. The charity must be designated at time of issue and qualify under tax code 170(c) and 501(c). If the charity is not operating at the time of the insured’s death, the estate may direct proceeds to another qualified charity.
5 Only available for issue ages 20-79.

Learn more about SUL-G 1.0.  

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