Longevity insurance¹ may be one of the key tools in your product toolbox to help your clients assure their retirement income. Our longevity insurance product, Symetra Freedom Income Annuity, allows your clients to purchase a guaranteed future income stream today, when the initial purchase payment will be quite small compared to the potential payout down the road.

Rather than watching anxiously while the market plays havoc with their portfolios, your clients can comfortably enjoy their early retirement years knowing that their future income needs are covered. And now, we have improved Symetra Freedom Income to make it easier than ever to give your clients the peace of mind that they are seeking for their retirement.

Why Symetra Freedom Income?

Symetra Freedom Income is a single premium fixed deferred-payout annuity that can help provide secure, cost-effective, lifetime income. Clients take a small portion of their assets, usually 10-15 percent, to purchase a guaranteed income stream that will begin at a set date in the future.

This allows your clients to:

• Define their investment horizon: Freedom Income helps eliminate the guesswork that often plagues retirement planning. Knowing that another source of income will commence in 10 to 20 years, your clients have a predictable timeframe for managing the money they're using now for income and growth.
• Spend more now: The early years of retirement are the active years. Your clients can now spend more freely in these years, knowing their future income needs are covered.
• Retain more control: Because their future income is secure, your clients (and you) have more flexibility in managing remaining assets.

An optional death benefit can also be included at the time of purchase for an additional cost.

What has changed?

Two important changes to Symetra Freedom Income can make it an attractive product for your clients and for you.

• Clients can choose a payment start date past age 70½ on qualified contracts, expanding opportunities for qualified transfers and rollovers.²
• We have increased the sales commission on Symetra Freedom Income from 4 percent to 5 percent.

Also note that the maximum deferral of the first payment is now 45 years from purchase or age 94, whichever occurs first.

Freedom from worry

Symetra Freedom Income helps relieve one of the biggest risks for retirees - that they'll outlive their savings. By guaranteeing a future income today, they can enjoy their early retirement years with less concern and with more confidence in their financial future.

To learn more about Symetra Freedom Income, go to www.symetra.com/freedom, or contact the Symetra Sales Center at 1-800-706-0700 or invest@symetra.com.