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.

Flexible age reduction schedules. Benefits are typically subject to standard age reductions, but no age reductions may be quoted with Underwriting review and approval.

Value-add programs

Tribal Member Assistance Program (TMAP) (PDF)

For an additional cost, TMAP 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?

Who can be named as beneficiary?²

Is supplemental coverage available?

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.

Learn more about Symetra's suite of group benefits

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.


Group life policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in any U.S. territory. Base policy form number is LGC-10039 12/12.

Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, call your Symetra representative.

TMAP is offered by ComPsych® through Symetra. ComPsych is not affiliated with any of the subsidiaries under Symetra Financial Corporation. ComPsych© 2021 ComPsych Corporation.

Travel Assistance, Identity Theft Protection and Beneficiary Companion programs are offered by Generali Global Assistance through Symetra. Generali Global Assistance is not affiliated with any of the subsidiaries under Symetra Financial Corporation.

If you’re an employer in Arizona, please click this link to view the exclusions and limitations for Tribal insurance.

1Not available in Alaska, Louisiana, Montana and North Dakota.
2If 100% of the premium is paid by the policyholder, the policyholder may designate itself the sole beneficiary of member coverage