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Fixed Indexed Annuity

Symetra Stride

Symetra Life Insurance Company

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5%

Best S&P 500 Annual Cap

7%

Free W/D

50

Available jurisdictions

Product data status: July 17, 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 Stride would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Symetra Stride)
5%
Best S&P 500 1-yr point-to-point cap
J.P. Morgan ETF Efficiente 5 Index — 14% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Symetra Stride's published cap rate (14% on J.P. Morgan ETF Efficiente 5 Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Symetra Stride compares for your age, state, premium, and income goals alongside other Symetra Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Symetra Stride

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

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

5% cap on S&P 500

A ten-year accumulation-focused fixed indexed annuity from a multi-agency-rated carrier, pairing a recognizable S&P 500 annual cap with proprietary participation-rate strategies on J.P. Morgan ETF Efficiente 5 and Putnam Dynamic Low Volatility, plus a declared-rate fixed account and a full declining surrender ladder.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies and a fixed-rate sleeve from a multi-agency-rated carrier, and value an RMD waiver and a fully declining surrender schedule.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

35% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 6 additional crediting options (J.P. Morgan, Putnam Dynamic...)

Lifetime Income Riders

Income rider

Signature Withdrawal Benefit

Lifetime payout rate4% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up7%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with proprietary participation-rate strategies on the J.P. Morgan ETF Efficiente 5 Index and the Putnam Dynamic Low Volatility Excess Return Index, plus a fixed-account option — so a buyer can hold a like-for-like S&P comparison strategy alongside higher-participation volatility-controlled choices and a declared-rate sleeve in the same contract.
  • Several index strategies publish a 2-year point-to-point alongside the standard 1-year, with materially higher participation rates on the longer term — buyers willing to credit interest over a two-year window have a structurally different growth path than the annual-credit default without changing contract.
  • Surrender ladder declines by roughly one percentage point per year over the full ten-year term, so partial surrenders beyond the annual free-withdrawal allowance are progressively cheaper as the contract ages rather than facing a flat-then-cliff schedule.
  • Carrier financial-strength view is triangulated rather than single-sourced — A.M. Best and Standard & Poor's both publish current ratings on this contract, so the strength read on this page is not a single-agency call.
  • Contractual waivers include nursing-home, RMD, and terminal-illness — the RMD waiver in particular keeps required-minimum-distribution withdrawals from triggering a surrender charge on qualified money, alongside the standard annual free-withdrawal allowance.

What to confirm

  • This is positioned as an accumulation contract and the live data shows no guaranteed-lifetime-withdrawal rider. The carrier may offer an optional lifetime-income feature through separate contract terms — confirm rider availability, current withdrawal rates, and fees with the carrier before comparing this contract with a rider-led income product.
  • Several index strategies are proprietary, volatility-controlled benchmarks (J.P. Morgan ETF Efficiente 5, Putnam Dynamic Low Volatility Excess Return). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own back-tested behavior and on how its volatility cap restrains upside in strong years.
  • Surrender period is a full ten years and the year-one and year-two charges are at the top end of the FIA market, so this contract assumes the buyer can leave principal locked beyond the annual free-withdrawal allowance for the full schedule.
  • Free-withdrawal allowance is at the lower end of the FIA accumulation market on this contract — buyers who expect to need a larger annual access percentage beyond the contractual minimums should weigh that against products with a higher free-withdrawal band.
  • Minimum premium and contract-eligibility bounds are not shown on this page — confirm premium minimums and issue-age limits with the carrier before purchase.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider in the live data, want short-surrender liquidity or a high annual free-withdrawal allowance, or prefer a simple MYGA-style declared rate — this contract is built for indexed accumulation over a long deferral, not those outcomes.

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See how Symetra Stride compares for your age, state, premium, and income goals alongside other Symetra Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (10 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 120% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

participation

10-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 14% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 10% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

cap

10-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 185% · 2-yr

Putnam Dynamic Low Volatility Excess Return Index

participation

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

J.P. Morgan ETF Efficiente 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Signature Withdrawal Benefit

Lifetime withdrawal rate4%
Annual rider fee1.1%
Guaranteed roll-up7%/yr

GLWB

Common questions about Symetra Stride

● Can I lose money in Symetra Stride?

A negative index return by itself does not reduce the contract's account value: Symetra Stride credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% 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 Signature Withdrawal Benefit income rider worth the 1.1% 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 7% roll-up and 4% 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 7% of your account value each year is penalty-free. The scheduled surrender charges run 10 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 Stride's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Symetra Stride 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

7%/yr

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

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

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

symetra-stride.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 Stride currently shows 10 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 35% annual participation rate
  • S&P 500 Index: 45% 2-year participation rate
  • Fixed Account: 3.25% fixed account rate

Income rider language

What to look for before treating the rider as income

Signature Withdrawal Benefit 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.

  • 4% withdrawal rate
  • 1.1% rider fee

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.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD 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 symetra-stride.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

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See how Symetra Stride compares for your age, state, premium, and income goals alongside other Symetra Life Insurance Company fixed indexed annuity options.

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