Bull or Bear, Brave It All
Symetra Trek DestinationsSM
Growth opportunities in any market.
Symetra Trek Destinations Registered Index-Linked Annuity combines growth potential for your money with a variety of downside market protection options to help you on your retirement journey.
Investors will experience both bull markets (periods of growth) and bear markets (periods of decline).
Fortunately, you don’t have to choose between growth potential and protection as you plan for your retirement. Trek Destinations can help your money grow when markets are rising and can help protect your money during downturns. Our indexed-account options can offer upside potential in flat and even some down markets.
Buffer Plus
Boosting returns in all markets
Buffer Plus combines some downside protection with the potential to earn more than the index when index returns are flat or even negative.
The hypothetical charts below show how interest can be credited with the Buffer Plus feature in market conditions ranging from strong bull markets to severe bear markets. The three scenarios (uncertain markets, bull markets and bear markets) show the hypothetical index return and what amount could actually be credited to an indexed account. If the index return is negative, the Buffer Plus rate is added to the negative index return, potentially resulting in a positive return. You’ll be subject to any loss that exceeds the Buffer Plus rate.
All charts assume a 20% Buffer Plus rate with a 95% cap. Buffer Plus 10% and 30% options are also available.
Uncertain markets
Negative or flat performance may result in positive gains.
Bull markets
Capture 100% upside growth of cap and participation rates of 100%.
Bear markets
Buffer Plus protection can negate some losses.
Buffer protection
Buffer protection options ranging from 1% to 100%
Trek Destinations can help protect your indexed accounts against some losses with buffer options ranging from 1% to 100%. If your selected index has declined at the end of the interest term, we'll protect your account against losses up to the buffer percentage. Depending on the interest term, different buffer percentages will be available.
Indexed account options may vary by distribution partner and states.
Full and partial return lock
Now with more flexibility and control
With the Trek Destinations Return Lock feature, you can lock all or a portion of your indexed account value for the remainder of the interest term. This can be done manually or automatically, depending on your needs. Click below to explore how the Return Lock feature can give you more control to protect and grow your retirement funds.
View Return Lock brochure (PDF)
What can Trek Destinations do for you?
Opportunity
Opportunities for money to grow during all market scenarios based on the performance of three market indexes, plus an optional fixed account.
Protection
Multiple levels of downside “buffer” protection from bear markets for your accounts, ranging from 1% to 100%.
Flexibility
Access up to 15% of your contract value or 100% of the accumulated interest earned (less withdrawals) with no surrender charges should your needs change.
Control
The Return Lock feature allows you to lock in gains that reach a selected growth percentage and protect them from losses for the rest of the interest term.
Death benefit
A death benefit is provided free of charge to help ensure that your beneficiaries will never receive less than what you put into Symetra Trek Destinations, assuming no prior withdrawals.
Brochures and resources
Explore Trek Destinations resources
Trek Destination brochure (PDF)
Discover how Trek Destinations could be just the tool to help navigate your retirement journey.
Trek Destinations fact sheet (PDF)
Review the facts and features of Trek Destinations.
Trek Destinations Bull or Bear: Brave it All brochure (PDF)
Explore the different ways Trek Destinations could fit your unique needs.
Trek Destinations Buffer Plus brochure (PDF)
Take a closer look into how the Buffer Plus feature works in Trek Destinations.
Trek Destinations Return Lock brochure (PDF)
See how you can take control with the Return Lock and partial Return Lock feature.
Historical index perspectives for Symetra registered index-linked annuities (PDF)
Compare the Trek Destinations indexed account options with real-world historical data and hypothetical calculations.
Rate sheets
Trek Destinations rates (PDF)
View current rates for Trek Destinations.
Securities are offered through Symetra Securities, Inc. (SSI). Member FINRA.
Symetra Trek Destinations is an individual single-premium deferred annuity contract with index-linked interest options issued by Symetra Life Insurance Company (SLIC). Contract form number is ICC26_RC1 in most states. In Idaho, contract form number is ICC26_ RC1. The Fixed Account Endorsement form number is ICC26_RE1 in most states. The Point-to-Point with Buffer and Dual Trigger Indexed Account Endorsement form number is ICC26_RE4 in most states. The Point-to-Point with Buffer Plus, Participation Rate and Cap Indexed Account Endorsement form number is ICC26_RE5 in most states. The Point-to-Point with Buffer, Participation Rate and Cap Indexed Account Endorsement form number is ICC26_RE2 in most states. The Point-to-Point with Buffer and Trigger Indexed Account Endorsement form number is ICC26_RE3 in most states. The Return Lock Endorsement form number is ICC26_RE8 in most states. The Terminal Illness Waiver Endorsement form number is ICC26_RE11 in most states. The Hospital and Nursing Home Waiver Endorsement form number is ICC26_RE10 in most states. The Interim Value Endorsement form number is ICC26_RE7 in most states. The Market Value Adjustment (MVA) endorsement form number is ICC26_RE9 in most states.
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 Destinations 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 accounts with charges will incur an annual charge that will reduce the contract value and do not guarantee performance any greater than the indexed accounts without a charge. The indexed account charge will not be refunded, regardless of the amount of indexed interest, whether positive or negative, that is credited to the indexed account. Indexed interest is calculated and credited (if applicable) at the end of an interest term. Indexed interest may be positive, negative, or zero. Amounts withdrawn from the indexed account before the end of an interest term will not receive indexed interest for that term. Overall, withdrawals may result in a loss of principal due to adjustments and charges that may be imposed even if indexed account performance has been positive. 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 indexed account charge, if any, is applied at the time of the Return Lock. If the contract is being funded with multiple purchase payments (e.g., 1035 exchanges) funds will be held and the contract will not be issued until all purchase payments have been received. Interest is not credited between the dates the purchase payments are received and the date the contract is issued.
The performance of an index does not reflect the payment or reinvestment of dividends.
It is not possible to invest in an index.
Symetra reserves the right to add or remove any index or indexed interest crediting method options, including after the contract has been issued, subject to applicable regulatory approval. If any index is discontinued or if the calculation of any index is changed substantially, Symetra reserves the right to substitute a comparable index.
The fixed account interest rate, indexed interest caps, participation rates and trigger rates are reset at the beginning of each interest term. Subsequent rates and caps may be higher or lower than the initial rates and caps, but they will never be less than the guaranteed minimums stated in the contract.
This is not a complete description of the Symetra Trek Destinations Registered Index-Linked Annuity. For a complete description, please ask your registered representative for a copy of the prospectus.
SYMETRA LIFE INSURANCE COMPANY (“Symetra”) has filed a registration statement (including a prospectus) with the SEC for Symetra Trek Destinations. For more complete information about Symetra and Symetra Trek Destinations, 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. This material must be preceded or accompanied by a prospectus.
Symetra Trek Destinations 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. Additional product information can be found here.
Symetra® is a registered service mark of Symetra Life Insurance Company. Symetra Trek DestinationsSM and BULL OR BEAR BRAVE IT ALLSM are service marks of Symetra Life Insurance Company.
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