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.
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.
Offers a helping hand after the loss of a loved one.
Available 24 hours a day if a member or shareholder has an emergency while traveling 100 miles or more from home.
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?²
• 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?
Tribal coverage typically includes basic group life insurance with no supplemental life, dependent life or accidental death and dismemberment (AD&D) coverage. However, alternate schedules may be offered on an exception basis at the discretion of underwriting.
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.
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.
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