Spinnaker® Variable Annuity

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Before investing, carefully consider the investment objectives, risks, charges and expenses. This and other information is contained in the contract prospectus and the underlying portfolio prospectuses. Please call or write your registered representative or Symetra for free copies of the prospectuses, or visit www.symetra.com for online copies. Read them carefully before investing.

Securities are offered through Symetra Securities, Inc. (SSI). Spinnaker Variable Annuity is a flexible premium deferred annuity issued by Symetra Life Insurance Company(SLIC). Contract form number is LPC-1175 2/04 in most states and LPC-1175/OR 5/05 in Oregon. Not available in all U.S. states or any U.S. territory. SSI and SLIC are affiliates and both are located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Each company is responsible for its own financial obligations.

Annuity contracts have terms and limitations for keeping them in force. Please call your registered representative for complete details.

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

Variable annuities, which are suitable for long-term investing, are subject to market risks, including the potential loss of principal invested.

While nonqualified annuities offer the added benefit of tax deferral, in the case of qualified annuities, the tax deferral is provided by the retirement plan itself. The investor should focus on the benefits offered by a variable annuity to assess if a variable annuity is right for them.

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may be subject to federal income taxes, and a 10% IRS early withdrawal tax penalty may also apply for amounts withdrawn prior to age 59½.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

Generally, a distribution made from an IRC 403(b)(1) annuity contract may not be paid or made available until the annuitant/owner attains age 59½, separates from service, dies, becomes disabled, or encounters financial hardship. Other restrictions may apply. Consult your attorney or tax advisor for more information.

Spinnaker® is a registered service mark of Symetra Life Insurance Company.

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