Registered index-linked annuity · SEC-registered · defined downside design
Symetra Trek Frontier
Issued by Symetra Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 10% floor | 20% buffer | 30% buffer |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 16.75% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 11.75% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Maximum floor: -10%Maximum floor: -10% | — | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 100% cap Segment detailsMinimum cap: 50%Minimum participation: 100%Minimum buffer: 20% | 85% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% |
| Russell 2000 | ||||
| 1-yearPoint-to-point | 23% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 16.5% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Maximum floor: -10%Maximum floor: -10% | — | — |
| 6-yearPoint-to-point | 160% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 120% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — |
| Nasdaq-100 | ||||
| 1-yearPoint-to-point | 23% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 13.5% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Maximum floor: -10%Maximum floor: -10% | — | — |
| Fixed account | ||||
| 1-year · Declared rate | 3% fixedSegment detailsMinimum fixed-account rate: 2.35% | |||
Showing 11 of 11 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- The current indexed menu includes both buffer and floor downside structures.
- Annual and multi-year point-to-point choices span several recognizable equity indexes.
- A fixed account sits beside the indexed segments for money not allocated to market-linked strategies.
What to confirm
- Indexed segments can lose value when index losses exceed the selected buffer or when a floor applies.
- The current source does not publish a strategy fee, so outcome figures are not inferred.
- No current lifetime-income rider appears on this accumulation contract.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 15, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantSymetra Life Insurance Company
SEC CIK0001559495
File numbers333-278422
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon.