Symetra Trek Plus

Symetra Life Insurance Company
Symetra Trek Plus-brochure Symetra Trek Plus-brochure

Symetra Trek Plus

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Ratings:

  • A.M. Best A
  • S&P A
  • Moody's A1
  • Comdex 79

About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
9%8%7%6%5%4%
Fee withdrawal:
15%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, 401k, IRA, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, SIMPLE IRA, 1035 Exchange, and Inherited IRA
Launch Date
05/25/2021
Symetra Trek Plus is a single premium deferred index-linked annuity contract issued by Symetra Life Insurance Company. The Contract is designed to help you invest on a tax-deferred basis and meet long-term financial goals. 
Available in states: AL, AK, AZ, AR, CA, 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 Fixed Account
Fixed
3% Fixed
6-Year S&P 500 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
1-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Annual
19.5% Cap
6-Year Russell 2000 PTP Participation Rate with Cap with 20% Buffer
Point to Point
6-Year
150% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
115% Participation
6-Year Russell 2000 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
110% Participation
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
13% Cap
1-Year Russell 2000 PTP Cap with -10% Floor
Point to Point
Annual
16.5% Cap
1-Year Nasdaq-100 PTP Cap with -10% Floor
Point to Point
Annual
14.5% Cap
1-Year MSCI Emerging Markets PTP Cap with -10% Floor
Point to Point
Annual
18% Cap
1-Year PIMCO Equity Fusion PTP Cap with -10% Floor
Point to Point
Annual
15% Cap
1-Year S&P 500 PTP Participation Rate with Cap with -15% Barrier
Point to Point
Annual
100% Participation
19.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
18.5% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Annual
25% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
20.5% Cap
1-Year MSCI Emerging Markets PTP Participation Rate with Cap with 10% Buffer
Point to Point
Annual
100% Participation
33% Cap
1-Year PIMCO Equity Fusion PTP Cap with 10% Buffer
Point to Point
Annual
21% Cap
1-Year S&P 500 PTP Cap with 15% Buffer
Point to Point
Annual
12% Cap
1-Year Nasdaq-100 PTP Cap with 15% Buffer
Point to Point
Annual
14% Cap
6-Year Russell 2000 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
115% Participation
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
14% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
17% Cap
1-Year PIMCO Equity Fusion PTP Cap with 10% Buffer
Point to Point
Annual
16% Cap
2-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Biennial
35% Cap
2-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Biennial
45% Cap
2-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Biennial
35% Cap
1-Year MSCI Emerging Markets PTP Cap with 10% Buffer
Point to Point
Annual
20.5% Cap
2-Year MSCI Emerging Markets PTP Participation Rate with 10% Buffer
Point to Point
Biennial
105% Participation
2-Year PIMCO Equity Fusion PTP Cap with 10% Buffer
Point to Point
Biennial
51% Cap
2-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
Biennial
105% Participation
2-Year Russell 2000 PTP Participation Rate with 10% Buffer
Point to Point
Biennial
100% Participation
2-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Biennial
50% Cap
2-Year MSCI Emerging Markets PTP Participation Rate with 10% Buffer
Point to Point
Biennial
115% Participation
2-Year PIMCO Equity Fusion PTP Participation Rate with 10% Buffer
Point to Point
Biennial
110% Participation
6-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
105% Participation
6-Year Russell 2000 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
100% Participation
6-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
120% Participation
1-Year S&P 500 Performance Triggered with 10% Buffer
Performance Triggered
Annual
9.75% Performance triggered
1-Year S&P 500 Performance Triggered with 15% Buffer
Performance Triggered
Annual
9% Performance triggered
1-Year Nasdaq-100 Performance Triggered with 15% Buffer
Performance Triggered
Annual
10.5% Performance triggered
6-Year S&P 500 Buffer Plus Participation Rate with 20% Buffer (Limited States)
Buffer Plus
6-Year
100% Participation
2-Year S&P 500 Dual Trigger with 10% Buffer (Limited States)
Dual Step Up
Biennial
16.5% Performance triggered
1-Year S&P 500 Dual Trigger with 10% Buffer (Limited States)
Dual Step Up
Annual
8% Performance triggered
6-Year S&P 500 PTP Cap with 100% Buffer (Limited States)
Point to Point
6-Year
55% Cap
6-Year S&P 500 PTP Participation Rate with 30% Buffer
Point to Point
6-Year
105% Participation
6-Year S&P 500 PTP Participation Rate with Cap with 30% Buffer
Point to Point
6-Year
85% Cap
1-Year S&P 500 PTP Cap with 100% Buffer (Limited States)
Point to Point
Annual
7% Cap

Surrender schedule

Year 1 2 3 4 5 6
Penalty 9% 8% 7% 6% 5% 4%

Riders

No Riders for Symetra Trek Plus annuity.

Waivers

Nursing Home

We’ll waive surrender charges if you’re confined to a nursing home or hospital for at least 30 consecutive days and for up to 90 days after your release. Additional requirements are explained in the annuity contract. This waiver is not available in all states. The nursing home waiver does not include home health care.

Terminal Illness

We’ll waive surrender charges if you’re diagnosed with a terminal illness and were not diagnosed when your contract was issued. Additional requirements are explained in the annuity contract. This waiver is not available in all states.

Premium Notes

If you are younger than age 81, you may purchase the Contract by completing an application and submitting a minimum Purchase Payment of $25,000. Only one Purchase Payment is allowed under the Contract. For IRAs and Roth IRAs, because the minimum Purchase Payment we accept exceeds the annual contribution limits for IRAs and Roth IRAs, your initial Purchase Payment must include a rollover contribution. 
We will not accept, without our prior approval, any Purchase Payment in excess of $1 million

Withdrawal Provisions

Free annual withdrawals
For the first six years of your contract, 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 year; or 
  • The accumulated interest (minus any indexed account charges), less prior withdrawals in your contract value as of the beginning of the year. If you withdraw more than this amount in any of the first six years, surrender charges will apply to the excess amounts. Any amounts withdrawn from an indexed account before the end of the interest term will not receive indexed interest at the end of the interest term. 

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