Term life insurance

What’s term life insurance?

Term insurance provides a death benefit payment (proceeds to your beneficiaries) if you die during your term coverage (known as the policy term).


Key benefits

Financial protection for your beneficiaries if something happens to you.

Typically lower cost than permanent life insurance products.

The death benefit to your beneficiaries is generally free of federal income tax.

How does term life insurance work?

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You pay

You make scheduled annual premium payments.

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You're covered for a term

Your coverage lasts a specific number of years, usually between 10 and 30.

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They benefit

If you die while the policy is [in-force], your designated beneficiaries receive the death benefit.

Consider term life insurance if:

  • Your family relies on your paycheck.
  • You’re a stay-at-home parent who provides child care and other valuable family support.
  • You’re a business owner who needs coverage to retain key employees, fund a buy-sell agreement, or protect against the impact to your business from the loss of a key employee.

Products to consider:


Symetra SwiftTerm®

Get fast, affordable life insurance in as little as 18 minutes.
Available for people 20 to 60 years old, with up to $3 million in coverage.


Symetra Term

Help ensure the survival of your business or the financial security of your family with Symetra Term. Available for people ages 20-80 years old, with coverage from $250,000 and up.

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.

Symetra SwiftTerm® is a term life insurance policy issued under policy form number ICC20_LC1 in most states. Symetra Term Life is issued under policy form number ICC18_LC1 in most states.

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.

Policy rider availability may vary by distribution partner.

This is not a complete description of Symetra SwiftTerm® or Symetra Term products. For a more complete description, please ask your insurance professional.

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

*Depending upon your answers during the application process, you may travel down one of three underwriting paths―instant approval, accelerated underwriting or full underwriting. The typical coverage turnaround time is 18 minutes for instant approval, 24-72 hours for accelerated underwriting and 30 days for full underwriting.

SwiftTerm® is a registered service mark of Symetra Life Insurance Company.

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