Index-linked annuities


Symetra Trek® Plus Index-Linked Annuity


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


Symetra Trek Plus 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 Plus 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.

Next Steps

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

Are you a registered representative? Visit the Financial Professionals site for more information.


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

Symetra Trek Plus 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-0559 3/21 form in most states. In Idaho, contract form number is RSC-0559/ID 3/21. Products, features, terms and conditions may vary by state and may not be 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 Plus 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.

The indexed accounts with a charge 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 index account(s) performance has been positive.

Protection by the buffer, floor or barrier is only applied at the end of each interest term. If you withdraw money from your indexed account during the interest term, you won’t receive the protection of the buffer, floor or barrier as you would at the end of the interest term.

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. Once the indexed account value is locked, this value will not change for the remainder of the interest term (whether that’s 1, 2 or 6 years), unless you take a withdrawal or transfer to another account. After the Return Lock has been exercised, you can restart your interest term or transfer to another account on your next interest term anniversary.

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, remove or replace any indexes or crediting methods subject to applicable regulatory approval.

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.

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 professional for more information.

SYMETRA LIFE INSURANCE COMPANY (“Symetra”) has filed a registration statement (including a prospectus) with the SEC for Symetra Trek Plus. For more complete information about Symetra and Symetra Trek Plus, 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 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 Plus 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 Trek Plus® is a registered service mark of Symetra Life Insurance Company.