Symetra Prestige

Earn interest based on performance of S&P 500 Index or SG Columbia Global Market States Index, credited via participation rates or capped returns

Optional fixed-rate account earning a declared interest rate, reset annually

Guaranteed to get back your purchase payment plus any interest earned; never lose money due to market declines

Optional rider providing guaranteed lifetime withdrawal income based on age and benefit base, payable regardless of contract value

Interest compounds without annual tax liability until money is withdrawn

After year one, withdraw up to 7% of contract value annually without charges or market value adjustments

Declining surrender charges over 10 years (9% year 1 down to 0% year 11+) if withdrawing more than penalty-free amount

Positive or negative adjustment applied to withdrawals during charge period based on interest rate changes; doesn't apply after year 10

Transfer funds between indexed and fixed accounts at the end of each 1- or 2-year interest term

Nursing home/hospitalization waiver and terminal illness waiver eliminate surrender charges under qualifying conditions

Convert contract to guaranteed income stream over a set period or for lifetime after year 1

Beneficiaries receive the greater of contract value or cash surrender value

Starting amount required to open a contract

Cancel contract within 30 days of receipt for full refund, no questions asked