Group life & disability insurance
Tribal Group Life Insurance
A unique group life insurance offering for tribal members and shareholders.
The loss of a tribal member or shareholder is a time for grief, remembrance and respect. Traditional burial ceremonies are a way to honor the life of a valued friend or loved one while teaching future generations about the unique customs of your culture.
Symetra group life insurance can help provide financial support to tribal members and shareholders following the death of a loved one.

Because the needs of each tribe are different, every policy we write is exclusive to the membership guidelines set by the tribe, rancheria or pueblo. Our policy provides distinct features such as:
Coverage for all tribal members and shareholders; membership status is determined by the tribe.
Guaranteed issue coverage for all members and shareholders.
Naming the tribe as beneficiary.1
No required waiver of Sovereign Nation immunity.
No age reduction schedules.2
Supplemental coverage to increase individual coverage amounts.
Value-add programs
Tribal Member Assistance Program (TMAP) (PDF) >
Provides unlimited access to general guidance consultants and online resources to help with life's challenges. Includes up to three telephonic counseling sessions each calendar year.
Beneficiary Companion Program (PDF) >
Offers a helping hand after the loss of a loved one.
Travel Assistance Program (PDF) >
Available 24 hours a day if a member or shareholder has an emergency while traveling 100 miles or more from home.
Identity Theft Protection Program (PDF) >
Educates tribal members and shareholders on how to protect themselves from ID theft, and provides support in the event their identity is stolen.

Tribal life frequently asked questions
Who is eligible for life insurance?
All tribal members and shareholders are eligible for coverage. Eligibility for non-member and non-shareholder dependents is at the discretion of the tribe. The membership status defined by each federally recognized tribe, rancheria or pueblo will be reflected in the policy.
Who can be named as beneficiary?³
• The tribal entity.¹
• Any beneficiary named by the insured member or shareholder.
• The tribal entity and a beneficiary named by the insured member (split primary).¹
Is supplemental coverage available?
Yes. Insureds can purchase additional coverage with a Symetra supplemental group life insurance policy. Supplemental life is offered at group rates that are lower than what members and shareholders would find if purchasing life insurance on their own.
Solutions for tribal-owned businesses
Symetra offers a suite of group life, disability and fixed-payment insurance benefits that can help round out your employee benefits package. You may choose to provide coverage as part of a compensation package, offer it on a voluntary basis, or both. Our flexible policy designs and consultative approach help ensure you get exactly the benefits you need at a price that fits your budget.
Next steps
Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits broker or consultant.
