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Fixed Indexed Annuity

Symetra Income Edge Plus — Symetra Life

Name: Symetra Income Edge Plus
Brand: Symetra Life

Symetra Life

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4.75%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: October 2, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Symetra Income Edge Plus would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$214,873

Gross crediting illustration at age 80 (Symetra Income Edge Plus)

Excludes the 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms). This is not a net contract value.

4.75%

Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms).

S&P 500 Index — 4.75% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Symetra Income Edge Plus's published cap rate (4.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Level Income charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms); 1.2% annual Guaranteed Lifetime Withdrawal Benefit - Automatic Increase charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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See how Symetra Income Edge Plus compares for your age, state, premium, and income goals alongside other Symetra Life fixed indexed annuity options.

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rate data

Run numbers for Symetra Income Edge Plus

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Symetra Life product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

11.7% lifetime payout

A seven-year fixed indexed annuity from a multi-agency-rated carrier positioned by the carrier as an income contract with a guaranteed-lifetime-withdrawal benefit rider — though the live data currently does not include rider terms, so the income figures need to be confirmed with the carrier before this contract is compared to other GLWB-rider income products.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a fixed indexed annuity built around a contractual lifetime-income answer rather than pure indexed accumulation, are willing to confirm the current GLWB rider's withdrawal rate and fee with the carrier or an advisor because they are not in the live data, and want a shorter (seven-year) surrender window with a higher annual free-withdrawal allowance alongside the income rider.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

4.75% cap rate

Rate effective Mar 3, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

4.25% trigger rate

Rate effective Mar 3, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

5.25% cap rate

Rate effective Mar 3, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

4.25% trigger rate

Rate effective Mar 3, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

3% declared rate

Rate effective Mar 3, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

+ 1 additional crediting option (J.P. Morgan)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit - Income

RMD friendly

Lifetime payout rate11.7% lifetime payout

Annual rider fee1.2% annual rider fee

Income rider

Guaranteed Withdrawal Benefit - Automatic Increase

RMD friendly

Lifetime payout rate10% lifetime payout

Annual rider fee1.2% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Positioned by the carrier as an income-first contract — the product itself is named for lifetime-income withdrawals and is sold with a guaranteed-lifetime-withdrawal benefit rider rather than as a pure accumulation chassis, so the buyer pool the carrier expects on this contract is people who want a contractual income answer rather than only indexed growth.
Crediting menu still offers a recognizable S&P 500 annual point-to-point cap and a Nasdaq-100 annual cap alongside an S&P 500 and a Nasdaq-100 participation-rate strategy and a J.P. Morgan ETF Efficiente 5 cap — so a buyer who elects the income rider also gets indexed growth exposure on multiple recognizable benchmarks during the deferral years.
Seven-year surrender ladder steps down to single-digit charges by mid-schedule rather than running the full ten years some Symetra accumulation filings carry, which makes the contract's lock-in window shorter than the rest of the carrier's FIA lineup.
Annual free-withdrawal allowance is in the double digits on this contract — at the higher end of the FIA market — so penalty-free access to a meaningful share of the contract value each year is part of the contract design, not just a back-end concession.
Carrier financial-strength view is triangulated rather than single-sourced — A.M. Best and Standard & Poor's both publish current ratings on this contract.

What to confirm

The live data currently shows no income-rider terms for this contract, even though the carrier positions Income Edge Plus as a GLWB-rider product. Withdrawal rate, rider fee, deferral assumptions, and joint-life availability cannot be read off this page today — confirm the current rider's lifetime withdrawal rates, fee, and joint-life terms with the carrier before treating this contract as a comparable income product or comparing its lifetime payout with other GLWB-rider contracts.
Because the rider is the income mechanism, the contract carries a separate rider fee on top of the base contract — that fee compounds against indexed growth over the deferral years and is a material part of the net income story. Do not compare a Symetra Income Edge Plus lifetime payout against a Protected-Income-Value product's payout without accounting for the rider-fee drag.
The S&P 500 annual cap on this contract is below the cap shown on Symetra's pure-accumulation FIA filings — that is consistent with an income-rider chassis where the rider, not the index ceiling, is the headline buyer benefit, but it means buyers focused only on accumulation upside will likely find better caps on the carrier's accumulation-positioned products.
The J.P. Morgan ETF Efficiente 5 Index is a proprietary, volatility-controlled benchmark. Its absolute cap looks attractive but is not directly comparable to a cap on a broad, capitalization-weighted index — evaluate it on its own back-tested behavior.
Minimum premium, issue-age bounds, and rider-eligibility terms are not shown on this page — confirm contract minimums, eligibility, and rider terms with the carrier before purchase.

Not ideal for

Buyers who require every income figure to be visible on the product page before comparing, prefer a Protected-Income-Value chassis with no separately-elected rider fee, want the highest available index cap on a Symetra FIA (the accumulation-positioned products in the lineup carry higher caps), or want pure accumulation with no income rider in the contract design.

Free Comparison Report

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See how Symetra Income Edge Plus compares for your age, state, premium, and income goals alongside other Symetra Life fixed indexed annuity options.

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All crediting strategies

View rate listings (12 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 13% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Cap: 13% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 5.25% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Cap: 5.25% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 4.75% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Cap: 4.75% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Trigger: 4.25% · 1-yr

Nasdaq-100 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Trigger: 4.25% · 1-yr

Nasdaq-100 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Mar 3, 20267-yr surrender$100,000+

Learn about Symetra Income Edge FIA, featuring lifetime income withdrawals, tax-deferred growth, and reliable retirement income security.

3.5/5Read review

Nikhil Bhauwala

Common questions about Symetra Income Edge Plus

● Can I lose money in Symetra Income Edge Plus?

A negative index return by itself does not reduce the contract's account value: Symetra Income Edge Plus credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Guaranteed Lifetime Withdrawal Benefit - Level Income income rider worth the 1.2% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 11.7% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Symetra Income Edge Plus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Symetra Income Edge Plus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

After

Nursing home waiver, Terminal illness waiver

Documents

brochure

First Symetra National Life Ins. Co. of NY AI - CT&NY brochure pdf.pdf

Confidence: highReviewed Apr 16, 2026

Direct link not published — request the document from the carrier.

product guide

FAM_1633_925_FINAL-2.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

product guide

FAM_1633_925_FINAL.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA

Moody'sA1

S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Symetra Income Edge Plus currently shows 12 indexed or fixed crediting options, including S&P 500 Index, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

S&P 500 Index: 4.75% annual cap, 0% annual strategy fee
S&P 500 Index: 4.75% annual cap
S&P 500 Index: 4.25% annual trigger rate, 0% annual strategy fee
S&P 500 Index: 4.25% annual trigger rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit - Level Income is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

11.7% withdrawal rate
1.2% rider fee
10 deferral years
RMD friendly

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

10%/yr free withdrawal
7 surrender years
Nursing home waiver
Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as First Symetra National Life Ins. Co. of NY AI - CT&NY brochure pdf.pdf and FAM_1633_925_FINAL-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Symetra Income Edge Plus rate report

See how Symetra Income Edge Plus compares for your age, state, premium, and income goals alongside other Symetra Life fixed indexed annuity options.

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Related Resources

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

Symetra Income Edge Plus — Symetra Life

See what Symetra Income Edge Plus would do for you

Get a Symetra Income Edge Plus rate report

Run numbers for Symetra Income Edge Plus

11.7% lifetime payout

Featured crediting strategies

Lifetime Income Riders

Guaranteed Withdrawal Benefit - Income

Guaranteed Withdrawal Benefit - Automatic Increase

How to think about this contract

Why it can stand out

What to confirm

Get a Symetra Income Edge Plus rate report

All crediting strategies

Income riders

Guaranteed Lifetime Withdrawal Benefit - Level Income

Guaranteed Lifetime Withdrawal Benefit - Level Income

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Level Income

Guaranteed Lifetime Withdrawal Benefit - Level Income

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Symetra Income Edge Plus review notes

Common questions about Symetra Income Edge Plus

Key Features

Free withdrawal

Surrender waivers

Death benefit

Cap-rate floor

Declared-rate floor

Fixed account guarantee

Participation-rate floor

Fund types

Surrender schedule

Documents

First Symetra National Life Ins. Co. of NY AI - CT&NY brochure pdf.pdf

FAM_1633_925_FINAL-2.pdf

FAM_1633_925_FINAL.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

Use carrier materials as term evidence, then confirm the current version

Get a Symetra Income Edge Plus rate report

Related Resources

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