Bull or Bear, Brave It All
Symetra Income Edge PlusSM
Guaranteed income in any market
Guaranteed income can help you enjoy the lifestyle you want throughout retirement, regardless of market conditions. Symetra Income Edge Plus Fixed Indexed Annuity with Guaranteed Lifetime Withdrawal Benefit Rider provides it, either now or later.
Overview
Symetra Income Edge Plus is a single-premium fixed indexed annuity with a guaranteed lifetime withdrawal benefit (GLWB) rider that provides guaranteed income to help you enjoy the lifestyle you want throughout retirement regardless of market conditions.
On this page, you’ll learn what Income Edge Plus offers, how the Auto-Increase Income option helps counteract inflation, why adding protected income can ease pressure on your portfolio, and where to find brochures and tools to support your planning.
What can Income Edge Plus do for you?
Guaranteed income
for life
Predictable and reliable income, provided by the Guaranteed Lifetime Withdrawal Benefit (GLWB) rider, that can help cover expenses in retirement for the rest of your life—even if the contract value falls to $0.
Principal
protection
Your principal—and potential retirement income—is protected from any market declines both before and after you start taking GLWB payments.
Flexibility
Life can be uncertain, so you have the ability to take income payments in a variety of ways, including an increasing income option to help counteract the effects of inflation.
Tax
deferral
Your contract value will grow tax-deferred, which means you won’t pay taxes until your money is withdrawn.
Benefits and features
Auto-Increase Income
Projected monthly health care cost3,4
Keep pace with inflation
With the new Auto-Increase income option, your income payments grow each payment year, helping you stay ahead of rising costs and preserving your lifestyle over time.
Why it matters: Inflation has been surging in recent years. In 2022, it peaked at 9.1%.¹ Health care costs alone are projected to rise by 8% in 2025, and could more than double by 2039.²,³ The Auto-Increase option helps offset this risk by ensuring your income grows consistently—no matter what the market does.
Protected income
Increase your “[protected income]” to rely less on your portfolio
By adding Income Edge Plus along with other guaranteed income sources, you can increase your “protected income” and lower the percentage you need to take from your other remaining portfolio holdings.
Example below is a hypothetical example based on the following assumptions:
- Age at issue: 65
- Age income starts: 65
- Total annual income needed: $100,000
- Symetra Income Edge Plus purchase payment: $500,000
- Guaranteed lifetime base withdrawal percentage at issue: 7.4%
- Remaining portfolio at issue: $1,000,000
What you’re seeing
The table and chart compare your retirement income mix with and without adding Symetra Income Edge Plus.
- Without it, only 25% of your income is protected for life.
- With it, your protected income jumps to 62%—a mix of Social Security/pension (25%) and Income Edge Plus (37%).
- This reduces how much you need to withdraw from your portfolio, lowering your withdrawal rate from 5% to 3.8% and helping your savings last longer.
Brochures and resources
Income Edge Plus brochure (PDF)
Learn the common risks clients face in retirement planning, and how Income Edge Plus features and benefits could help.
A little wait can go a long way (PDF)
Discover how a Guaranteed Lifetime Withdrawal Benefit can help offset rising costs throughout retirement.
Four reasons why Income Edge Plus (PDF)
Learn the basics of why Income Edge Plus could be the retirement income solution you’ve been looking for.
Help prepare for RMDs brochure (PDF)
Delve into what required minimum distributions (RMDs) are through hypothetical case studies, and discover your RMD rate based on your age.
Rate Sheets
The longer you wait, the higher your rate (PDF)
Identify what your withdrawal percentage would be based on your issue age, and see how it can increase over time.
Income Edge Plus rates (PDF)
View current rates for Income Edge Plus.
1 How much inflation increased since 2021: These 5 charts show how much 2 years of inflation have really cost you. CNBC. Published April 14, 2023. Accessed May 21, 2025.
2 PwC: Healthcare costs to grow 8% in 2025 due to GLP-1s, inflation. MM+M. Published January 17, 2024. Accessed June 26, 2025.
3 How much does health insurance cost in 2025?. Forbes Advisor. Published March 10, 2025. Accessed June 26, 2025.
4 Guide to healthcare costs in retirement. Written by Jeff White. Updated March 18, 2023. SmartAsset.
Symetra Income Edge Plus is an individual single-premium fixed indexed deferred annuity issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Contract form number is ICC19_RC1 in most states. The Guaranteed Lifetime Withdrawal Benefit Rider form number is ICC23_RE3 in most states. Products, riders, endorsements, features, terms and conditions may vary by state and may not be available in all U.S. states or any U.S. territory.
A rider is a provision of the annuity with additional costs, potential benefits and features that should never be confused with the annuity itself. Before evaluating the benefits of a rider, carefully examine the annuity to which it is attached.
There is an annual percentage charge for the Guaranteed Lifetime Withdrawal Benefit Rider (“rider”) based on the contract value on the date the charge is calculated. The rider provides a guaranteed lifetime withdrawal benefit (“GLWB”) during the life of the covered person(s) while the rider is in effect. You may terminate the rider after the first day of the sixth Contract Year. Once you terminate the rider it may not be reinstated. We will assess and deduct the GLWB rider charge until the rider is terminated. Changing the owners, annuitants or beneficiaries may cause the rider to terminate or adversely affect the benefits of the rider. A change in marital status after you purchase this contract may adversely affect the benefits of the rider. Taking excess withdrawals could reduce future benefits under the rider by more than the dollar amount of the excess withdrawals.
Annuity contracts have terms and limitations for keeping them in force. Contact your financial professional or insurance producer for complete details.
Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.
Symetra Income Edge Plus has fixed and indexed accounts. Interest credited to indexed accounts is affected by the value of outside indexes. Values based on the performance of any index are not guaranteed. 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. Amounts withdrawn from the indexed account before the end of an annual interest term will not receive indexed interest for that term.
The fixed account interest rate, indexed account interest caps, participation rates and trigger rates are reset at the end of each interest term.
Subsequent indexed interest caps and trigger rates may be higher or lower than the initial caps and trigger rates but will never be less than the guaranteed minimums stated in the contract.
Subsequent fixed account interest rates and indexed participation rates may be higher or lower than the initial interest and participation rates but will never be less than the minimums stated in the contract.
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.
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. If any index is discontinued or if the calculation of any index is changed substantially, Symetra reserves the right to substitute a comparable index.
Withdrawals may be subject to federal income taxes, and a 10% IRS early withdrawal tax penalty may also apply for amounts taken prior to age 59½. Consult your attorney or tax professional for more information.
Contracts not owned for the benefit of natural persons, e.g., contracts owned by trusts, corporations or certain other entities, are generally not treated as annuities for federal income tax purposes and any interest are taxed as ordinary income in the current year. Exceptions may apply. Prospective Owners that are not natural persons should consult their tax professionals before purchasing the Contract.
Neither Symetra Life Insurance Company nor its employees provide investment, tax, or legal advice or endorse any particular method of investing. Please consult your attorney or tax professional before making savings and investing decisions.
The contract provides a guaranteed minimum value upon surrender, death, or annuitization. Please see your contract or ask your financial professional for a current rate sheet for more details, or contact us at 1-800-796-3872.
Tax-qualified contracts such as IRAs, 401(k)s, etc., are tax-deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the tax-qualified plan or program itself. However, annuities do provide other features and benefits such as death benefits and income payment options.
This is not a complete description of Symetra Income Edge Plus Fixed Indexed Annuity with Guaranteed Lifetime Withdrawal Benefit. For a complete description, please ask your financial professional or insurance producer for a copy of the Contract Summary.
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