What is the minimum guaranteed surrender value for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

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.

What is the minimum premium amount for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

The current interest rate is 4.3%.

What is the surrender charge schedule for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

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.

What are the best rates available for Symetra Life – Select Pro (3-, 5-, 7-Year Terms)?

The best available rate is 4.90% for a 7 year term.

Symetra Life Insurance Company

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

About this product

The Symetra Life – Select Pro® 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.50%
5 Years	4.85%
7 Years	4.90%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $49,000.00	4.3%
$50,000.00 - $99,999.00	4.3%
$100,000.00 - $249,999.00	4.5%
$250,000.00 - $1,000,000.00	4.55%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage