Life insurance overview

Protect the people you care about

Flexible life insurance options to help those you leave behind.


What is life insurance?

Life insurance provides financial protection for the people you care about when you die. But many life insurance policies can do much more. Some policies also accumulate [cash value] (also known as policy value) you can use for expenses or income in retirement. Some are designed to help transfer wealth (via the "death benefit" proceeds) to your beneficiaries, generally free of federal income tax, after you die.

How does life insurance work?


You pay

You make regular premium payments into your policy.


You benefit

You may be able to grow your policy’s cash value and access it if you need it.


They benefit

When you die, your beneficiaries receive a death benefit generally free of federal income tax.

Why Symetra life insurance?

We offer many products, depending on what you want to accomplish.


Grow your money

Accumulate value in your policy you can borrow against later.


Estate planning

Use the death benefit proceeds to transfer wealth or a business.


Protect your family

Basic coverage to protect your family should you die.

And there are other options to help accommodate your needs, including:

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How long

you want coverage.

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How and when

you will pay for it.

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How you can access

your cash value.

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How you pass along

your death benefit when you die.

Symetra life insurance can help you:



Protect your family cost-effectively for a specified period of time

Term life insurance provides financial protection for a select number of years.


Protect your family for your entire life

Permanent life insurance can help you pass wealth to your beneficiaries generally free of federal income tax and—depending on the product you choose—provide options to grow your cash value and access it if you need it. 

Next steps

Ask your insurance professional if life insurance is right for you.


Life insurance is issued by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, and is not available in all U.S. states or any U.S. territory.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact your insurance producer for complete details.

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

The death benefit is guaranteed provided certain conditions are met.

Although proceeds of life insurance are generally received free of federal income tax by beneficiaries, estate and local taxes may apply. Consult with your attorney or tax advisor for more information.