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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.

Guaranteed Return of Purchase Payment (GROPP): Selected at issue. Ensures the owner will not receive less than total purchase payments made, reduced by prior withdrawals, subject to contract terms.

If the owner dies before annuitization, beneficiaries receive the contract value, subject to contract provisions. Once annuitized, remaining payments follow the elected settlement option.

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

Withdrawals of up to 15% of the contract value per contract year may be taken without withdrawal charges. Amounts exceeding this free-withdrawal limit may be subject to withdrawal charges based on the applicable schedule.

Select Pro (with GROPP) is a Single Premium Deferred Annuity (SPDA) funded with a one-time purchase payment. The contract credits a fixed interest rate for the entire selected guaranteed period (3, 5, or 7 years). During the withdrawal-charge period, withdrawals exceeding the free-withdrawal amount may be subject to withdrawal charges and, in most states, a Market Value Adjustment (MVA). When the guaranteed period ends, the interest rate may reset annually but will never be less than the minimum interest rate stated in the contract.

After the initial 3-, 5-, or 7-year guaranteed period, the interest rate can reset annually, but it will never be less than the minimum interest rate shown in the contract. The rate sheet states the minimum interest rate is 0.25% during the withdrawal charge period.

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

Symetra Life – Select Pro® (with GROPP)

 is a modified single-premium fixed deferred annuity that provides predictable, tax-deferred accumulation with a fixed interest rate guaranteed for a selected 3-, 5-, or 7-year period. This version includes the Guaranteed Return of Purchase Payment (GROPP) feature, which is designed to ensure that the owner will not receive less than total purchase payments made, reduced by any prior withdrawals, subject to contract provisions. It is intended for conservative investors seeking stability, enhanced liquidity, and added principal-return protection.

Withdrawals exceeding the annual free withdrawal amount, or a full surrender during the withdrawal charge period, may be subject to withdrawal charges and may also incur a Market Value Adjustment (MVA) per contract provisions. Withdrawal charges decline by contract year and reach 0% after the selected period ends. California uses a separate withdrawal charge schedule.

Guaranteed Return of Purchase Payment is a separate product version and is not included here.

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

Select Pro is a Single Premium Deferred Annuity (SPDA) funded with a one-time purchase payment. The contract credits a fixed interest rate for the entire selected 3-, 5-, or 7-year guaranteed period. During the withdrawal-charge period, withdrawals exceeding the free-withdrawal amount may be subject to withdrawal charges. A Market Value Adjustment (MVA) may apply in most states. When the guaranteed period ends, the interest rate may reset annually but will never be less than the minimum interest rate stated in the contract.

At the end of the 3-, 5-, or 7-year guaranteed period, the interest rate may reset annually. The renewed rate will never be less than the minimum interest rate stated in the contract.

The surrender value equals the contract value minus any applicable withdrawal charges. A Market Value Adjustment (MVA) may apply in most states but will not reduce the surrender value below the guaranteed minimum value required by contract provisions

 is a modified single-premium fixed deferred annuity designed to provide predictable, tax-deferred accumulation through a fixed interest rate guaranteed for the full duration of a selected 3-, 5-, or 7-year guarantee period. It offers principal protection, daily interest crediting, and a higher free-withdrawal allowance than traditional MYGAs, making it suitable for conservative investors who want flexibility alongside stable growth.

Withdrawals exceeding the annual free withdrawal amount, or a full surrender during the withdrawal charge period, may be subject to withdrawal charges and may also incur a Market Value Adjustment (MVA). Withdrawal charges decline by contract year and reach 0% after the selected period ends. The MVA applies during the withdrawal charge period when withdrawing more than the free amount; MVA does not apply in California. A negative MVA will not reduce cash surrender value below the guaranteed minimum value.

Benefits are provided through included access waivers/endorsements that vary by state.

If the owner dies before annuitization, beneficiaries receive the greater of 

contract value (not reflecting any current withdrawal charge/MVA), 

 cash surrender value (reflecting any applicable withdrawal charge/MVA), or 

 guaranteed minimum value. The brochure also describes a spouse continuation option in eligible situations.

• Nursing Home and Hospitalization Waiver:

 Withdrawal charges and MVAs may be waived after 30 consecutive days in a hospital or nursing home (with timing/eligibility conditions and state variations; not available in California per brochure).  

 After the first contract year, withdrawal charges and MVAs may be waived upon qualifying terminal illness diagnosis (with timing/eligibility conditions and state variations; not available in California per brochure).

Each contract year, owners may withdraw up to the accumulated interest earned (minus prior interest withdrawn) without withdrawal charges. This free amount is calculated at the time of the first withdrawal during that contract year.

Select Max is a single premium deferred annuity (SPDA) funded by an initial purchase payment and, if permitted, additional purchase payments during the first contract year. The contract credits a fixed interest rate for the entire initial guaranteed period (3, 5, or 7 years). Withdrawals above the free withdrawal amount during the withdrawal charge period may be subject to withdrawal charges and a Market Value Adjustment (MVA). After the initial guaranteed period ends, the interest rate may reset annually, but it will not fall below the minimum interest rate stated in the contract.

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.

The surrender value reflects contract value reduced by any applicable withdrawal charges and MVA (if applicable). A negative MVA will not reduce cash surrender value below the guaranteed minimum value, and after the withdrawal charge period ends, no MVA applies.

 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 Life – Select Max® (NY)

Symetra Life – Select Pro® (with GROPP)

Symetra Life – Select Pro

Symetra Life – Select Max®