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Symetra Trek Destinations

The Symetra Life Insurance Company finds itself in the financial service and insurance sector ever since its inception in 1957. Serving as a subsidiary of Symetra Financial Corporation, the company is known for its broad scope of life insurance policies and annuity types available. Striving to meet the ever-changing needs of its customer base, Symetra delivers customizable insurance solutions through not only its variety of offerings but also its riders and add-ons to give additional coverage and flexibility to clients. With an ongoing investment in technology and digital reform to enhance customer experience and streamline operations, Symetra has recently introduced its Symetra SwiftTerm term life insurance which offers instant coverage for eligible applicants.

Symetra Trek Destinations

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

15%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, TSA 403b, IRA-Roth, SIMPLE IRA, and 1035 Exchange

Launch Date

10/13/2026

Symetra Trek Destinations, a registered index-linked annuity, offers growth potential for your funds based on the performance of multiple market indexes. But unlike being directly invested in the market, it also provides some protection from market downturns.

Full or partial Return Lock options
With the Return Lock feature, you can lock in the value of any indexed account in which you have allocated money. This can be done with a full or partial value of an indexed account. Once the value is locked, it will be credited with a fixed rate of interest equal to the Return Lock Rate from the day following your exercise of the Return Lock, whether that’s 1 or 6 years (unless a withdrawal is taken). May be utilized once per interest term for a full Return Lock, or up to four times per interest term (or interest term year) for multi-year accounts for a partial Return Lock.

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 Dual Trigger with 10% Buffer	Dual Direction Trigger Annual	9.5% Performance triggered
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 30% Buffer	Buffer Plus 6-Year	100% Participation 85% Cap
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 10% Buffer	Buffer Plus 6-Year	100% Participation
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 20% Buffer	Buffer Plus 6-Year	100% Participation 115% Cap
Return Lock Rate	Fixed	1% Fixed
1-Year Fixed Account	Fixed	4% Fixed
6-Year Russell 2000 PTP Participation Rate with 10% Buffer with Fee	Point to Point 6-Year	110% Participation
6-Year S&P 500 PTP Participation Rate with Cap with 20% Buffer	Point to Point 6-Year	100% Participation 110% Cap
6-Year S&P 500 PTP Participation Rate with 30% Buffer with Fee	Point to Point 6-Year	100% Participation
6-Year Russell 2000 PTP Participation Rate with Cap with 20% Buffer	Point to Point 6-Year	100% Participation 130% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer with Fee	Point to Point 6-Year	105% Participation
6-Year S&P 500 PTP Participation Rate with 1% Buffer with Fee	Point to Point 6-Year	115% Participation
6-Year S&P 500 PTP Participation Rate with Cap with 1% Buffer	Point to Point 6-Year	105% Participation
6-Year Russell 2000 PTP Participation Rate with Cap with 100% Buffer	Point to Point 6-Year	100% Participation 80% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap with 100% Buffer	Point to Point 6-Year	100% Participation 70% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 20% Buffer with Fee	Point to Point Annual	100% Participation 15% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 30% Buffer with Fee	Point to Point Annual	100% Participation 12.5% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 20% Buffer	Point to Point Annual	100% Participation 11.75% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 30% Buffer	Point to Point Annual	100% Participation 9.75% Cap
1-Year Russell 2000 PTP Participation Rate with Cap with 20% Buffer	Point to Point Annual	100% Participation 14.5% Cap
1-Year Russell 2000 PTP Participation Rate with Cap with 100% Buffer	Point to Point Annual	100% Participation 9% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap with 20% Buffer	Point to Point Annual	100% Participation 13.5% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap with 100% Buffer	Point to Point Annual	100% Participation 8.75% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap with 15% Buffer	Point to Point Annual	100% Participation 16% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 10% Buffer with Fee	Point to Point Annual	100% Participation 22% Cap
1-Year Russell 2000 PTP Participation Rate with Cap with 10% Buffer with Fee	Point to Point Annual	100% Participation 30% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap with 10% Buffer	Point to Point 6-Year	100% Participation 140% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 15% Buffer	Point to Point Annual	100% Participation 13.5% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap with 20% Buffer	Point to Point 6-Year	100% Participation 110% Cap
1-Year S&P 500 PTP Participation Rate with Cap with 100% Buffer	Point to Point Annual	100% Participation 8% Cap
6-Year S&P 500 PTP Participation Rate with Cap with 30% Buffer	Point to Point 6-Year	100% Participation 90% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap with 10% Buffer with Fee	Point to Point Annual	100% Participation 27.5% Cap
6-Year S&P 500 PTP Participation Rate with Cap with 100% Buffer	Point to Point 6-Year	100% Participation 70% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer with Fee	Point to Point 6-Year	110% Participation
1-Year S&P 500 PTP Participation Rate with Cap with 10% Buffer	Point to Point Annual	100% Participation 16.75% Cap
6-Year Russell 2000 PTP Participation Rate with Cap with 10% Buffer	Point to Point 6-Year	100% Participation 160% Cap
1-Year Russell 2000 PTP Participation Rate with Cap with 10% Buffer	Point to Point Annual	100% Participation 23% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap with 10% Buffer	Point to Point Annual	100% Participation 23% Cap
6-Year S&P 500 PTP Participation Rate with Cap with 10% Buffer	Point to Point 6-Year	100% Participation
6-Year Russell 2000 PTP Participation Rate with 20% Buffer with Fee	Point to Point 6-Year	105% Participation
1-Year S&P 500 Performance Triggered with 10% Buffer	Performance Triggered Annual	11.25% Performance triggered
1-Year S&P 500 Performance Triggered with 15% Buffer	Performance Triggered Annual	10% Performance triggered
1-Year Nasdaq-100 Performance Triggered with 15% Buffer	Performance Triggered Annual	12% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6
Penalty	8%	8%	7%	6%	5%	4%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Riders

No Riders for Symetra Trek Destinations annuity.

Waivers

Nursing Home

If you’re confined to a nursing home and/or hospital for at least 30 consecutive days. We’ll waive surrender charges and applicable Market Value Adjustments (MVAs). This waiver must be requested during confinement or within 90 days after confinement ends. If confined on the contract issue date, a 12-month exclusion period applies.

Terminal Illness

If you’re diagnosed with a terminal illness after the first contract year, we’ll waive surrender charges and applicable MVAs. Additional requirements are explained in the contract and prospectus.

Premium Notes

Purchase age range: 0–80
Purchase amount: $25,000–$1,000,000
Minimum Allocation: $2,000

Withdrawal Provisions

Market Value Adjustment (MVA)An MVA refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. The MVA applies during the surrender charge period on withdrawals in excess of the free withdrawal amount. Upon death or annuitization, the MVA will not apply even if the cash surrender value exceeds the contract value. The MVA will not apply to return locks, the nursing home and hospitalization waiver or the terminal illness waiver, and may vary by state. Access to contract value During the surrender charge periods, you can withdraw an amount each year without surrender charges. This amount is the greater of: 15% of your contract value at the beginning of the interest term year; Any accumulated interest (minus any indexed account charges) in your contract value as of the beginning of the interest term year, less prior withdrawals. If you withdraw more than this amount in any of the surrender charge periods, surrender charges will apply on the excess amounts. Any amounts withdrawn from an indexed account before the end of the interest term will not receive credited indexed interest at the end of the interest term.

Company Founded: 1957

Excellent Rated Company

Symetra Life Insurance Company

Company Ratings

4.4