Permanent life insurance

Symetra Accumulator Ascent IUL

Symetra Accumulator Ascent IUL is an indexed universal life (IUL) insurance product designed to protect your loved ones or business and provide supplemental retirement income if you need it.

What do we mean by indexed universal life?

Indexed universal life is a type of policy that combines the protection of life insurance with the potential to grow [cash value] (policy value) through index strategies.

Index strategies are options within the policy in which growth is linked to the performance of a market [index]. You can experience the potential growth of a rising market, but not the losses of a negative one, as your money is not actually in the market.


Accumulator Ascent IUL can protect your family and help you prepare for your future.

This is a high-level overview of Symetra Accumulator Ascent IUL so you can get a sense of whether it might work for you. This is not a complete description. Please ask your insurance professional for a more complete description of this product.

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


Symetra Accumulator Ascent IUL is a flexible-premium adjustable life insurance policy with index-linked interest options issued by Symetra Life Insurance Company, located at 777 108th Ave NE, Suite 1200, Bellevue, WA 98004-5135. This policy is not available in all U.S. states or any U.S. territory; however, where available, it is usually issued under policy form number ICC17_LC1.

Cancer Care Compass is a rider package comprised of the Cancer Insurance and Value Added Services riders.

Policy riders are not available in all U.S. states or any U.S. territory, and terms and conditions may vary by state in which they are available.

A rider is a provision of the policy that may have additional costs, limitations, potential benefits and features that should never be confused with the base policy itself. Before evaluating the benefits of a rider, carefully examine the policy to which it is attached.

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

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

The Cancer Insurance Rider is offered at application for an additional cost and is usually issued under rider form number L-10351. The rider is only available for insureds issue ages 20-80, and if elected, additional underwriting will be required. It's possible that the insured is approved for the base policy but declined for the rider based on the rider underwriting results. The rider is not available on policies with ratings worse than Table 4, with annual flat extras exceeding $5 per $1,000, or with both flat extras and table rates. The maximum cash benefit amount is selected at application and cannot be increased once the rider is issued. If the Cancer Insurance Rider is declined, the Value Added Services Rider is not available.

Cancer Care Compass includes the Value Added Services Rider for an additional cost and is usually issued under form number L-10358. The value-added services are provided by third-party providers that are independent of Symetra Life Insurance Company. Registering to use or using these services is optional.

The Galleri® multi-cancer early detection screening test is administered by GRAIL, LLC, and is available one time to insured's ages 50-89 under the rider after the benefit waiting period. The test is available through an independent telemedicine healthcare provider. The test results are provided to the insured. Access to the rider's nutrition or health advocacy services are available after the benefit waiting period and will remain available to the policyowner and their eligible family members through the insured's age 90 or at no additional cost for two years following the payment of the rider maximum cash benefit amount.

Products and services offered under the Value Added Services Rider are not insurance and are subject to change. For more information, please contact Symetra at or by telephone at 1-800-796-3872. There are additional requirements associated with participation in the value-added services. Terms and conditions may vary and may not be available in all U.S. states or any U.S. territory. If any service is discontinued or if we elect to cease to offer a service, we may substitute a reasonably comparable service. If no reasonably comparable service is available, we may discontinue the specific service and cease charging for that service.

Certain benefits or riders may have tax implications. You should consult with your legal or tax advisor prior to purchasing.

Withdrawals or loans may not be allowed in certain situations. Amounts withdrawn will decrease the policy death benefit and may be subject to a withdrawal processing fee. Loans may have a permanent effect on the policy, even if repaid.

Withdrawals or loans on modified endowment contracts (MECs) may be subject to federal income tax and an additional 10% tax on amounts taken prior to age 59½.

Symetra Accumulator Ascent IUL has fixed and indexed accounts. 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. The policy does not directly participate in any outside investment or index.

Allocations to the fixed account or index strategies are based on the allocation instructions provided at time of application, and may be subsequently changed in writing by the policyowner. When allocations occur, an index segment for each respective index strategy is created. Each index segment has its own index crediting method, index value, index cap, index floor, index participation rate, index segment term, and index start and maturity date. The index caps, floors and participation rates after the initial index segment term may be higher or lower than the initial rates, but will never be less than the guaranteed minimums shown in the policy.

An index segment represents the portion of the index account that credits interest based on a change in the indexes applicable to that index segment. Index credits are calculated and credited (if applicable) on the respective index segment’s maturity date. Amounts withdrawn from the index account before the index segment’s maturity date will not receive an index credit, if applicable, for that term.

Symetra reserves the right to add, modify or remove any index strategy or crediting method. If any index is discontinued or if the calculation of any index is changed substantially, Symetra reserves the right to substitute a comparable index.

An index may not include the payment or reinvestment of dividends in the calculation of its performance. It is not possible to invest in an index.

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.

As of 3/24/2024, Cancer Care Compass is not available in the following states: AK, CA, CO, FL, HI, ID, IN, LA, MA, MD, MO, NH, NM, ND, NJ, NY, OH, OR, PA, SC, UT, VT, VA and WA.

1Trust should be drafted by an attorney familiar with such matters. Failure to properly structure could result in adverse treatment of trust proceeds. Symetra Life Insurance Company does not provide tax or legal advice.

2Withdrawals and loans may reduce or eliminate the death benefit payable to your beneficiaries. In general, policy loans are charged interest; they are usually not taxable. If a policy lapses or is surrendered, the loan becomes immediately taxable to the extent of the gain in your policy. Withdrawals are taxable only when you take more money out of the policy than you’ve paid in premiums. If your policy becomes a modified endowment contract (MEC), less advantageous tax provisions apply.

Cancer Care CompassSM is a service mark of Symetra Life Insurance Company.

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