Flexible Premium Fixed Deferred Annuity

A flexible premium annuity gives you the freedom to make additional contributions throughout the life of your contract.


Get your purchase payment back
You’re guaranteed to get back what you contributed—less withdrawals—if the contract is surrendered, even prematurely.

Earn interest on your interest
Because your earnings stay in your contract until withdrawn, you earn interest on your original purchase payment and on your earnings.

No income taxes until you take out your money
Earnings stay in the contract and aren’t taxed until withdrawn.

No stock market exposure
Your money won’t be invested in the stock market. Instead, you’ll receive a guaranteed interest rate for an initial period of 12 months from the date received—and that rate will never be less than the guaranteed minimum interest rate in your annuity contract.

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Guarantees and benefits are subject to the claims-paying ability of First Symetra Life Insurance Company of New York. Mailing address: P.O. Box 34690, Seattle WA 98124.

Withdrawals may be subject to federal income tax and 10% IRS early withdrawal tax penalty may also apply for amounts withdrawn prior to age 59 ½. Consult your attorney or tax advisor for more information.

1 While non-qualified annuities offer the added benefit of tax deferral, in the case of qualified annuities, the tax deferral is provided by the retirement plan itself. No additional tax benefit is provided by placing qualified funds in an annuity. In the case of qualified annuities, clients should focus on the benefits offered by the annuity itself to determine if the annuity is right for them.