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Surrender charges apply to withdrawals over 15% of contract value per contract year.

Guaranteed Return of Purchase Payment Option ensures no less than total contributions minus withdrawals.

Up to 15% of contract value per contract year without charges.

Individual Modified Single-Premium Fixed Deferred Annuity.

The policy is issued by First Symetra National Life Insurance Company of New York and includes provisions for interest rate guarantees, death benefits, tax-deferral, and limited liquidity through free withdrawals. It is backed by the claims-paying ability of the insurer and may include additional riders such as Guaranteed Return of Purchase Payment and Free Withdrawal features. Interest rates vary depending on initial investment amount and term selected and are subject to change for future contributions.

After the initial 3, 5, or 7-year period, interest rate resets annually but will not go below contract minimum (1.00%-3.00%).

Withdrawal amounts above 15% of the contract value per year may incur a surrender charge.

Withdrawal amounts above 15% of the contract value per contract year may be subject to a withdrawal charge

This is a modified single-premium deferred annuity product where the initial interest rate is locked in for a guaranteed period of 3, 5, or 7 years. After the guaranteed period, the interest rate may reset annually but will not fall below the contractually guaranteed minimum of 1.00%–3.00%. Withdrawals above 15% of contract value annually are subject to surrender charges. Tax-qualified plans do not receive additional tax benefits from annuity funding. IRS penalties may apply for early withdrawals.

After the 3-, 5-, or 7-year guarantee period ends, interest rates may reset annually but will never go below the guaranteed minimum interest rate listed in the contract

 Fixed Deferred Annuity is an individual modified single-premium fixed deferred annuity issued by First Symetra National Life Insurance Company of New York, New York, NY. It is designed to offer customers a choice of 3-, 5-, or 7-year interest rate guarantee periods with flexible contribution tiers starting at $10,000. The product provides tax-deferred growth, optional riders, and a death benefit, and guarantees interest rates over the selected term. It is suited for individuals seeking stable, predictable returns over a fixed time frame.

Withdrawals exceeding the free withdrawal amount may be subject to a withdrawal charge and a Market Value Adjustment (MVA).

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

Individual modified single-premium fixed deferred annuity.

This annuity product features fixed interest rates that are locked in for 3, 5, or 7 years depending on the selected guaranteed period. After the initial guarantee period ends, interest is credited annually and is subject to a guaranteed minimum. Withdrawals can be made under certain conditions without charge, though excess withdrawals may incur charges and a Market Value Adjustment (MVA). Tax penalties may apply to early withdrawals, and the annuity may be less favorable when owned by non-natural persons.

After 3, 5, or 7 years, the interest rate can reset annually, but it will never be less than the guaranteed minimum interest rate shown in your contract. Customers should anticipate renewal interest rates at the guaranteed minimum interest rate regardless of future economic conditions.

A negative MVA can never cause the cash surrender value to be less than the minimum value.

 Fixed Deferred Annuity is an individual modified single-premium fixed deferred annuity issued by First Symetra National Life Insurance Company of New York. It provides fixed interest over guaranteed periods of 3, 5, or 7 years, and is designed to help accumulate retirement assets on a tax-deferred basis with the protection of a guaranteed minimum interest rate and optional withdrawal provisions.

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.

Nursing Home and Hospitalization Waiver, Terminal Illness Waiver (availability and terms vary by state; not available in California).

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

Nonqualified, IRA, Roth IRA, non-natural clients including corporations, partnerships, revocable and irrevocable trusts, IRAs, and other non-natural entities.

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.

Equal to the greater of the contract value minus applicable withdrawal charges, the guaranteed minimum value, or the GROPP value.

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.

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

Nursing Home and Hospitalization Waiver, Terminal Illness Waiver (not available in all states, and terms may vary).

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.

Nonqualified, IRA, Roth IRA, non-natural clients including corporations, partnerships, revocable and irrevocable trusts, and other non-natural entities.

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.

After the initial 3, 5, or 7-year period, the interest rate can be reset annually, but never below the minimum interest rate stated in the contract.

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 NY (with GROPP)

Symetra Select Pro NY

Symetra Select Max NY

Symetra Select Pro® (with GROPP)

Symetra – Select Pro MYGA (3-, 5-, 7-Year Terms)

Symetra Select Max