Registered index-linked annuity · SEC-registered · defined downside design
Symetra Trek Plus
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 | 15% buffer | 20% buffer | 30% buffer | 100% 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%21.5% cap1% strategy fee Segment details1% strategy feeMinimum 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%Minimum buffer: 15%Minimum buffer: 15% | — | — | 7.25% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% |
| 1-yearPerformance trigger | 11.25% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | 10% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
| 1-yearDual Trigger | 9.5% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 0% | — | — | — | — |
| 2-yearPoint-to-point | 32% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%60% cap1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | — | — |
| 2-yearDual Trigger | 17% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 0% | — | — | — | — |
| 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%110% participation1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 100% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%105% participation1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | 85% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%Not published1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 62% 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%30% cap1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | — | — |
| 2-yearPoint-to-point | 50% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%80% cap1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 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%110% participation1% strategy fee Segment details1% strategy feeMinimum 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%105% participation1% strategy fee Segment details1% strategy feeMinimum 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%27.5% cap1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 16% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | — | — | — |
| 1-yearPerformance trigger | — | 12% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 15% | — | — | — |
| 2-yearPoint-to-point | 45% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%65% cap1% strategy fee Segment details1% strategy feeMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | — | — |
| 6-yearPoint-to-point | 140% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 110% cap Segment detailsMinimum cap: 2%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| Fixed account | |||||
| 1-year · Declared rate | 3% fixedSegment detailsMinimum fixed-account rate: 2.5% | ||||
| Holding account · rate not published | |||||
| 6-year · Rate not published | Not published | ||||
| 6-year · Rate not published | Not published | ||||
| 6-year · Rate not published | Not published | ||||
Showing 33 of 33 indexed segments.
Three Buffer Plus holding rows publish no index, upside rate, or fixed rate. They remain in a separate holding-account ledger, and no indexed payoff mechanics are inferred for them.
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Only segments with a published strategy fee are selectable. Fee-null segments remain in the complete matrix, but their outcomes are suppressed because no zero fee is assumed. A published-fee segment with an unsupported payoff mechanic also remains matrix-only rather than being approximated.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 1%/yr applied.
Starting value
$100,000
Segment return
-16.69%
Ending value
$83,309
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
The strategy fee, priced honestly
For segments that publish it, 1% a year applies whether the index rises, falls, or finishes flat. Fee-null rows are not treated as free.
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.
Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.
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 menu combines annual and multi-year indexed terms with several buffer levels.
- Some enhanced segments publish their own strategy fee, while standard segments do not publish one.
- Trigger-style choices, one fixed account, and a separate holding-account ledger sit beside point-to-point cap and participation structures.
What to confirm
- Indexed segments can lose value, including substantial value when losses exceed the selected downside buffer.
- Fee-bearing segments and segments whose fee is not published are not interchangeable; outcome math is shown only when the applicable fee and payoff mechanics are published.
- Three Buffer Plus holding rows publish no index or upside rate, so the page keeps them outside the indexed matrix and does not infer a payoff.
- 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 numbers333-283640
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.