Index-linked annuities

 

Symetra TrekSM Index-Linked Annuity

 

Symetra Trek is an individual single-premium deferred annuity with index-linked interest options providing growth potential and some downside protection.

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Symetra Trek can help you tackle several retirement needs:

I want growth potential for my money, with some downside protection.

I want some downside protection.

I want access to my money when I need it.

I don’t want any surprises.

This is a high-level overview of Symetra Trek so you can get a sense of whether it might work for you. This is not a complete description. Please ask your registered representative for a complete description of this product.

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Symetra offers a variety of annuities. Ask your financial professional, registered representative or [insurance producer] if an annuity is right for you.

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Securities are offered through Symetra Securities, Inc. (SSI).

Symetra Trek is an individual single-premium deferred annuity contract with index-linked interest options issued by Symetra Life Insurance Company (SLIC). Contract form number is RSC-0536 4/18 in most states. Products, features, terms and conditions may vary by state and may not available in all U.S. states or any U.S. territory. SSI and SLIC are affiliates and are both located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Each company is responsible for its own financial obligations.

Annuity contracts have terms and limitations for keeping them in force. Contact your registered representative for complete details.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Symetra Trek has indexed accounts and a fixed account. Interest credited to the indexed accounts is affected by the value of outside indexes. Values based on the performance of any index are not guaranteed, and the contract value may decrease. The contract does not directly participate in any outside investment.

Indexed interest is calculated and credited (if applicable) at the end of an annual interest term. Indexed interest may be positive, negative, or zero. Amounts withdrawn from the indexed account before the end of an annual interest term will not receive indexed interest for that term.

Protection by the buffer and floor is only applied at the end of each interest term. Withdrawals made from the indexed account during the interest term will not receive the protection of the buffer or the floor as they would at the end of the interest term. If the index value falls for multiple years, the cumulative indexed account value may decline by more than the buffer or floor percentage.

If the Return Lock feature is exercised, no indexed interest will be credited to the indexed account at the end of the interest term.

The performance of an index does not reflect the payment or reinvestment of dividends.

It is not possible to invest in an index.

Withdrawals may be subject to federal income taxes, and a 10% IRS early withdrawal tax penalty may also apply to amounts withdrawn prior to age 59½. Consult your attorney or tax advisor for more information.

SYMETRA LIFE INSURANCE COMPANY (“Symetra”) has filed a registration statement (including a prospectus) with the SEC for Symetra Trek. For more complete information about Symetra and Symetra Trek, you should read the prospectus and other documents Symetra has filed with the SEC before purchasing. These documents are available for free by visiting EDGAR at www.sec.gov. Alternatively, Symetra or your registered representative will provide the prospectus by request. Contact Symetra toll-free at 1-800-796-3872 ext. 22136.

Symetra Trek is a long-term investment designed for retirement purposes. There is a risk of substantial loss of principal. Please refer to the prospectus for more details.

Symetra TrekSM is a service mark of Symetra Life Insurance Company.