• Term insurance is the most affordable and straightforward kind of life insurance because it covers you for a specific amount of time—10, 15, 20 or 30 years. This is known as the coverage term period. Other types of life insurance are more complex and tend to be more expensive. With SwiftTerm, you can have coverage to help protect your family for less than the cost of a typical cell phone bill.

• As long as you make your payments on time to keep your policy in force, your beneficiaries will receive the money promised in your policy (known as the death benefit or policy proceeds). It’s generally free of federal income tax.

• We’ve simplified it for you. The three most important decisions you’ll need to make are:

• Amount of coverage
• How long you want it
• Who you want to receive the policy proceeds

• With SwiftTerm, you’ll never have to guess what you have to pay. Once your coverage is in effect, your payments won’t change for the coverage term period you choose.

• You can pick a payment schedule that works best for you, whether that’s monthly, quarterly, semiannually or annually, and you can change it at any time for any reason.
• If your financial situation changes, in most cases you can decrease your coverage amount.
• If your needs change and you decide that you want permanent life insurance (which is insurance that might last throughout your lifetime or help accumulate cash value) you may be able to convert your policy to a permanent product offered by Symetra.
• SwiftTerm has a 30-day money-back guarantee, called a Free Look Period. If you change your mind within 30 days of getting the policy, just let us know and you can get a full refund.
• You can cancel your coverage if for any reason during the life of the policy you decide you no longer want it.

• With SwiftTerm, there are no hidden fees—what you see is what you get. The price you accept when you purchase the policy is the price you pay for the length of the term.

• You must be 60 or younger to purchase SwiftTerm.^*
• Choosing to pay on a monthly, quarterly or semiannual schedule may cost a little more than if you pay annually.
• There are charges associated with policy options (riders) you decide to add to your policy.
• You can cancel your policy within the Free Look Period (the first 30 days after receiving it) and receive a full refund.
• Skipping or missing premiums will result in a cancellation of your policy.
• When you apply it could take as little as 18 minutes. But approval time depends on your answers to the questions on the application. So, based on your answers the process could take from 18 minutes to 30 days.
• At the end of your selected coverage term period your premiums will likely go up, but we'll tell you what your new premiums will be.

^*Not all coverage term periods are available at all ages.