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Withdrawals above 15% of the contract value annually may incur surrender charges. The surrender charge schedule decreases each year and differs by guarantee period.

Free Withdrawal Endorsement form number is ICC21_RE4 in most states. Guaranteed Return of Purchase Payment Endorsement is form number ICC21_RE1.

Guaranteed Return of Purchase Payment Option: “Selected at time of application, this option ensures that you will never receive less than what you contributed to your annuity, minus any prior withdrawals.

Withdrawal amounts above 15% of the contract value per contract year may be subject to a withdrawal charge.” Up to 15% annually is free.

3 Year, 5 Year, and 7 Year Guaranteed Periods.

Symetra Select Pro With Guaranteed Return of Purchase Payment provides fixed interest credited over a guaranteed period, with rates based on the chosen term length (3, 5, or 7 years). The contract includes features such as free withdrawals up to 15% annually, surrender charge schedules, and a guaranteed minimum interest rate. Taxes and IRS penalties may apply to early withdrawals. The contract also includes optional endorsements such as Free Withdrawal and Guaranteed Return of Purchase Payment.

After 3, 5 or 7 years, the interest rate can reset annually, but it will never be less than the minimum interest rate shown in your contract.

With Guaranteed Return of Purchase Payment)

 is an individual modified single-premium fixed deferred annuity issued by Symetra Life Insurance Company. It offers guaranteed interest rate periods of 3, 5, or 7 years and includes the option for a Guaranteed Return of Purchase Payment. The product is designed to provide stable growth with protection from market volatility and offers various interest rate tiers depending on premium amount and guarantee period selected

Withdrawal amounts above 15% of the contract value per contract year may be subject to a withdrawal charge based on decreasing withdrawal charge schedules. For the 3-year option, the charge is 8%, 8%, 7%, and then 0%. For the 5-year option, it’s 8%, 8%, 7%, 6%, 5%, and then 0%. For the 7-year option, the charge is 8%, 8%, 7%, 6%, 5%, 4%, 3%, and then 0%. California has a slightly lower schedule each year for each term.

Free Withdrawal Endorsement form number is ICC21_RE4 in most states. Interest Crediting Endorsement is ICC21_RE3 in most states.

Death benefits are provided, although specific terms are not detailed in the PDF. It states that annuities provide benefits such as death benefits.

Free Withdrawal Benefit: 15% per year of the contract value can be withdrawn without a charge.

Withdrawals up to 15% of the contract value per contract year are free of withdrawal charges.

Symetra Select Pro® Fixed Annuity is an individual modified single-premium fixed deferred annuity.

This annuity contract has terms and limitations that must be adhered to in order to keep the policy in force. Interest rates are fixed for a specified initial period (3, 5, or 7 years), after which they reset annually but never drop below the guaranteed minimum. Withdrawals may be subject to tax penalties if taken before age 59½. The annuity is not suitable for all investors, especially entities or non-natural persons, as it may not be treated as an annuity for tax purposes in those cases.

After the initial 3, 5, or 7-year period, the interest rate resets annually and will never be less than the minimum interest rate of 0.25%.

Surrender value is determined by applying the withdrawal charge schedule to amounts exceeding 15% of the contract value during the surrender charge period.

 Fixed Annuity is an individual modified single-premium fixed deferred annuity issued by Symetra Life Insurance Company. It offers guaranteed interest rates for periods of 3, 5, or 7 years. The product is designed to provide predictable growth with protection from market volatility. It includes features such as free withdrawals up to a certain limit, death benefit protection, and optional riders. The annuity is suitable for those seeking conservative, tax-deferred growth for retirement purposes.

Withdrawals exceeding the free interest earned amount may be subject to a withdrawal charge and Market Value Adjustment during the surrender charge period. These charges decrease over time, depending on the guarantee period selected. For example, under the 7-year option, the charge starts at 8% and reduces annually (8%, 8%, 7%, 6%, 5%, 4%, 3%, and then 0% in most states). California has a slightly more favorable scale. After the charge period, no MVA or withdrawal charge applies

Annuities do provide other features and benefits such as death benefits and income payment options.

Withdrawals of up to the accumulated interest earned (minus previous interest withdrawn) can be withdrawn free of charge. This amount is calculated at the time of your first withdrawal during that contract year.

This annuity is governed by contract form ICC21_RC1 and includes optional endorsements that affect interest crediting and withdrawals. Withdrawals may be subject to IRS penalties if taken before age 59½, and contract values exceeding the free withdrawal amount may be subject to surrender charges and market value adjustments. The policy maintains a minimum interest rate of 0.25% and includes contractual guarantees backed by Symetra’s claims-paying ability. The annuity is not FDIC or government insured.

A negative MVA can never cause cash surrender value to be less than the guaranteed minimum value.” Also: “It may also apply upon death or annuitization but only if it results in a cash surrender value higher than the contract value that would otherwise be paid.

 Fixed Annuity is an individual modified single-premium fixed deferred annuity issued by Symetra Life Insurance Company. It offers multiple guaranteed interest rate periods (3, 5, or 7 years), with interest rates based on deposit size and guarantee period chosen. The contract is designed for individuals looking for guaranteed growth, tax deferral, and income options, with certain benefits such as death benefit features, free withdrawals of earned interest, and optional market value adjustments.

Symetra Select Pro® (with GROPP)

Symetra Select Pro

Symetra Select Max