Edge Revolution
Symetra Life Insurance Company
18%
Best Cap
10%
Free W/D
A fixed indexed deferred annuity that credits interest based on market index performance while guaranteeing a minimum value, designed for people near or in retirement who want growth potential with downside protection and eventual guaranteed income.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| J.P. Morgan ETF Efficiente 5 Index | 2-Year | -- | 200% | -- |
| J.P. Morgan ETF Efficiente 5 Index | Annual | 18% | 100% | -- |
| Nasdaq-100 Index | Annual | 9.75% | 100% | -- |
| Putnam Dynamic Low Volatility Excess Return Index | 2-Year | -- | 265% | -- |
| Putnam Dynamic Low Volatility Excess Return Index | Annual | 18% | 100% | -- |
| S&P 500 Index | 2-Year | -- | 60% | -- |
| S&P 500 Index | Annual | 9.25% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.15% |
Key Features
Index-Linked Interest Crediting
Four indexes available: S&P 500, Nasdaq-100, JPMorgan ETF Efficiente 5, Franklin Large Cap Value 15% ERYour money earns interest based on the performance of a market index you choose, but with floors and caps limiting your downside and upside in any year
Guaranteed Minimum Value
Specified on your Contract Data Page; protects death benefits and annuity paymentsA floor value that protects your contract from falling below a set level, even if markets decline significantly
Free Withdrawal Allowance
15% annual free withdrawal limitWithdraw up to 15% of your contract value each year without surrender charges or market value adjustments
Flexible Access
Minimum withdrawal: $500; hospital/nursing home and terminal illness waivers availableMultiple ways to access your money: single withdrawals, periodic withdrawals, or full surrender
Annuity Payment Options
Life Annuity, Life with Guaranteed Period, Joint and Survivor, Joint and Survivor with Guaranteed PeriodConvert your contract value to guaranteed lifetime income with several payout structures to match your needs
Withdrawal Charge Period
5-year: 9%-0% charges; 7-year: 9%-0% chargesChoose between a 5-year or 7-year surrender period with declining charges that eventually reach zero
Death Benefit
Never less than Guaranteed Minimum ValueYour beneficiary receives the greater of your contract value or cash surrender value if you pass away before annuitization
Tax Deferral
Available as non-qualified, IRA, or Roth IRA contractInterest earned on your contract is tax-deferred until you withdraw or receive annuity payments
Highlights
Fixed indexed annuity offering potential for market-linked growth while protecting against market downturns with a guaranteed minimum value
Choice of four market indexes (S&P 500, Nasdaq-100, JPMorgan ETF Efficiente 5, and Franklin Large Cap Value) to tailor your growth strategy
Flexible access to your money with 15% annual free withdrawals, plus waivers for hospitalization, nursing home care, and terminal illness
Income for life guaranteed through multiple annuity payment options starting after the first contract year
Guaranteed Minimum Value protects your purchase payment so charges won't reduce your death benefit or annuity income below a set floor
Surrender Schedule
Yr 1
8.3%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Best For
Individuals age 85 or younger with at least $25,000 to invest who want market-linked growth with downside protection and plan to hold the contract long-term until retirement income is needed.
Consider Alternatives If
People who need access to their full money within 5-7 years, investors seeking pure stock market exposure without caps, or those uncomfortable with complex fee structures and index mechanics.
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