Symetra Income Edge Fixed Indexed Annuity With Guaranteed Lifetime Withdrawal Benefit

Create retirement income through guaranteed lifetime withdrawals that can continue to increase even after payments have started.


Built for lifetime income and flexibility

Symetra Income Edge, a single-premium fixed indexed deferred annuity offered by Symetra Life Insurance Company, offers a guaranteed lifetime withdrawal benefit (GLWB) that, like annuitization, offers payments that can last a lifetime. Unlike annuitization, these features still allow access to your remaining contract value, if needed. Income Edge can help protect your money and provide withdrawals for life, allowing you to focus on what matters—living the lifestyle you want in retirement.

How does Income Edge work?

The guaranteed lifetime withdrawal benefit provides lifetime withdrawals up to a Maximum Withdrawal Amount each year.

Before lifetime withdrawals begin

  • Your Maximum Withdrawal Amount is guaranteed to grow each year for up to 10 years after issue (assuming no withdrawals prior to the date lifetime withdrawals begin).
  • In addition, as your contract value grows, your future Maximum Withdrawal Amount also increases—even after 10 years. Potential contract value growth is based on the accounts you choose:

1. S&P 500® Point-to-Point
2. JPMorgan ETF Efficiente® Point-to-Point
3. Fixed Account

After lifetime withdrawals begin
If you’re 59½ or older, you can choose to start your lifetime withdrawals at the end of any 1-year interest term.

  • When you’re ready to begin lifetime withdrawals, you have two options.

1. Level withdrawals: A guaranteed, level amount for life.

2. Index-linked withdrawals: Guaranteed withdrawals for life with potential for increases each year.

  • Each lifetime withdrawal reduces your contract value.
  • Your contract value continues to earn interest (if applicable) based on the performance of the accounts you choose.
  • You can access any remaining contract value if you have an unexpected need (charges may apply), but this will reduce your future Maximum Withdrawal Amount.
  • Even if your contract value falls to zero, you continue to receive lifetime withdrawals.


Why Income Edge?

Upside Potential

  • Before lifetime withdrawals begin, growth in your contract value increases your Maximum Withdrawal Amount.
  • After lifetime withdrawals begin, the Index-linked option provides an opportunity for your Maximum Withdrawal Amount to increase further.

Income Edge uses a simple, age-based withdrawal percentage to determine lifetime withdrawal payments.

You can choose from Level withdrawals or Index-linked withdrawals when you’re ready to begin taking income.

Free-look period. 
You have 30 days after you receive your contract to cancel and receive a refund of your purchase payment.

Multiple ways to access your money

  • Free annual withdrawals of up to 10% of the contract value.
  • Annuitization of your contract value.
  • Nursing home and hospitalization waiver.1

1 Not available in California. In Massachusetts, a waiver applies in the event of total and permanent disability beginning after the contract date.

Surrender Charge Schedule*



















*May vary by state. See fact sheet for more information.



Want to learn more? Find out how an advisor can help you.


Symetra Income Edge is an individual single-premium fixed indexed deferred annuity with a market value adjustment feature. In Oregon, Symetra Income Edge is issued as an individual single-premium indexed fixed deferred annuity with a market value adjustment feature. Annuities are issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Contract form number is RSC-0415 1/14 in most states. In Oregon, contract form number is RSC-0415/OR/NQ2 1/14. The Guaranteed Lifetime Withdrawal Benefit Rider form number is ICC15_RE1 in most states. Product and rider are not available in all U.S. states or any U.S. territory. Terms and conditions may vary.

A rider is a provision of the annuity with additional costs, potential benefits and features that should never be confused with the annuity itself.

There is an annual percentage charge for the Guaranteed Lifetime Withdrawal Benefit Rider (“Rider”) based on the contract value on the date the charge is calculated. The Rider provides a guaranteed lifetime withdrawal benefit (“GLWB”) during the life of the Covered Person(s) while the Rider is in effect. You may terminate the Rider after the fifth interest term. Once you terminate the Rider it may not be reinstated. We will assess and deduct the GLWB Rider charge until the Rider is terminated. Changing the Owners, Annuitants or Beneficiaries may cause the Rider to terminate or adversely affect the benefits of the Rider. A change in marital status after you purchase this Contract may adversely affect the benefits of the Rider. Taking excess withdrawals could reduce future benefits under the Rider by more than the dollar amount of the excess withdrawals.

Annuity contracts have terms and limitations for keeping them in force. Please call your insurance producer or advisor for complete details.

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

Symetra Income Edge has fixed and indexed accounts. Interest credited to the indexed accounts is affected by the value of outside indexes. Values based on the performance of any index are not guaranteed. The contract does not directly participate in any outside investment.

If the contract is being funded with multiple purchase payments, e.g. 1035 exchanges, funds will be held and the contract will not be issued until all purchase payments have been received. Interest is not credited between the dates the purchase payments are received and the date the contract is issued.

Except for the JPMorgan ETF Efficiente 5 Index, the performance of an index does not reflect the payment or reinvestment of dividends.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Symetra Life Insurance Company (SLIC). Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and its affiliates and sublicensed for certain purposes by SLIC. Symetra Income Edge is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

The JPMorgan ETF Efficiente® 5 (“Index”) has been licensed to Symetra Life Insurance Company (the “Licensee”) for the Licensee’s benefit. Neither the Licensee nor Symetra Income Edge (the “Product”) is sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “JPMorgan”). JPMorgan makes no representation and gives no warranty, express or implied, to contract owners in or those otherwise taking exposure to the Product. Such persons should seek appropriate professional advice before making any investment. The Index has been designed and is compiled, calculated, maintained and sponsored by JPMS without regard to the Licensee, the Product or any contract owner. JPMorgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the Index. JPMorgan may independently issue or sponsor other indices or products that are similar to and may compete with the Index and the Product. JPMorgan may also transact in assets referenced in the Index (or in financial instruments such as derivatives that reference those assets). These activities could have a positive or negative effect on the value of the Index and the Product.

Withdrawals may be subject to federal income taxes, and a 10% IRS early withdrawal tax penalty may also apply for amounts taken prior to age 59½. Consult your attorney or tax advisor for more information.

Tax-qualified accounts such as IRAs, 401(k)s, etc., are tax deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan or account with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the tax-qualified plan or program itself. However, annuities do provide other features and benefits such as death benefits and annuity payment options.

The guaranteed minimum value (GMV) upon surrender, annuitization, or death is 87.5% of the purchase payment accumulated at the nonforfeiture rate each year, less any prior withdrawals and partial annuitizations accumulated at the nonforfeiture rate each year. Nonforfeiture rate varies by contract issue date and is not redetermined after issue. Current nonforfeiture rate: 1.00%. Rates are subject to change without notice.

This is not a complete description of Symetra Income Edge. Please ask your insurance producer or advisor for a copy of the Contract Summary describing Symetra Income Edge for a more complete description.