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Product Description

• Tax-deferred, guaranteed growth and additional interest in the first contract year helps clients reach their goals.
• Flexibility to add purchase payments over time avoids the need for multiple annuity purchases.
• Our renewal interest rate history demonstrates consistently attractive interest rates – not just the minimum guaranteed interest rates.
• The guaranteed minimum interest rate stated on your client's contract, and their earnings, are guaranteed (during the first seven years, the guaranteed minimum interest rate will be 2 percent, thereafter, the rate will never be less than 1.5 percent) – even if current rates at the time are lower.
• Symetra makes the commitment that your minimum crediting rate will never fall below what is stated on the current interest rate sheet at the time of application.
• Free annual withdrawals of up to 10 percent of the contract value per contract year provides access (100% access if admitted to a hospital or nursing home for 30 consecutive days or longer and submitted within 60 days of discharge).
• If the contract is surrendered, even prematurely, clients are guaranteed to always receive back what they contributed, less prior withdrawals.
• After the first contract year and anytime before their 101st birthday, clients may convert their annuity's accumulated value – with no surrender charges – into a guaranteed income stream.

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