Symetra Term Life Insurance

Symetra Term Life Insurance lets you choose how long you'd like to be covered by your life insurance.

Term Life Insurance is typically the least expensive form of life insurance.
Customized coverage
Choose a level term that fits your needs—10-, 15-, 20- or 30-years.
Predictable premiums
Term life is easy to budget for because premiums will never increase during the initial term of the policy.

Option to Convert
If your circumstances change and you decide you need permanent coverage, you can convert your term policy to permanent life insurance without a physical exam or any additional medical questions—even if your health has deteriorated.1

Benefit Acceleration
If you’re diagnosed with a terminal illness, you may be able to receive up to 75% of your policy’s death benefit ($500,000 maximum) in advance.2,3
Optional Riders
Several optional riders are also available at an additional cost: Insured Children's Benefit, Additional Term Rider, Waiver of Premium and Accidental Death Benefit.4,5,6,7


Interested in learning more? Learn how an advisor can help you.

Symetra Term Life Insurance is issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Policy form number is ICC16_LC1 in most states and is not available in all U.S. states or any U.S. territory.

Policy riders are not available in all states and terms and conditions may vary by state in which they are available. Where available, they are usually issued under the following form numbers: Insured Children’s Benefit form number ICC13_LE3, Accidental Death Benefit form number L-9753/EP 7/97, Waiver of Premium Rider form number L-9676/EP 6/95, Additional Term Rider form number ICC13_LE2 and Accelerated Death Benefit for Terminal Illness Rider form number ICC16_LE1.

A rider is a provision of the policy that may have additional costs, limitations, potential benefits and features that should never be confused with the base policy itself. Before evaluating the benefits of a rider, carefully examine the policy to which it is attached.

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.

1If requested prior to the earlier of the end of the initial term period or the policy anniversary following the insured’s 75th birthday, the policyowner can convert the term policy to the permanent life insurance policy that we make available for conversion on that date in the policy’s state of issue. If an accelerated death benefit is received under the policy, conversion is not available.

2Up to 75% of the policy’s death benefit ($500,000 maximum) can be accessed in advance if a licensed physician certifies the insured is terminally ill with less than 12 months to live. The benefit is paid in a lump sum.

3Receipt of benefits under an accelerated death benefit may be taxable, especially if the insured does not have a prescribed plan of care. You should consult your personal tax or legal advisor before applying for this benefit. You may also lose your right to receive certain public funds such as Medicare, Medicaid, Social Security, Supplemental Security Income (SSI), and possibly others. This accelerated death benefit is intended to qualify under section 101(g) (26 U.S.C. 101(g)) of the Internal Revenue Code of 1986. The death benefit will be reduced if an accelerated death benefit is paid.

4The Insured Children’s Benefit pays a death benefit of $1,000 to $10,000 upon receipt of documentation that the insured child died while the rider is in-force and the child was under 25 years of age. The eligible insured child must be between 15 days and 17 years old as of the date of the application.

5The Additional Term Rider provides term life insurance for a specified term. Rider coverage may not be increased; decreases are permitted only after the first year anniversary of the rider.

6The Waiver of Premium Rider waives premiums if the insured is totally disabled due to injury or sickness for six continuous months or more, and the injury or sickness commenced before the policy anniversary following the insured’s 60th birthday. If premiums are being waived at that time, premiums will continue to be waived for as long as the total disability continues.

7The Accidental Death Benefit pays an additional death benefit upon satisfactory proof that the insured died of an accidental death. The insured must have died within 180 days from the date of the accident. The minimum amount is $5,000 and the maximum amount is three times the face amount up to a maximum of $250,000, whichever is less.

Learn more about term life insurance.

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