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Annuity review

Symetra Trek Plus

The Symetra Trek Plus annuity is an excellent tool for securing your retirement. It allows for significant growth potential and guaranteed income for life, alleviating any worries about outliving your savings.

The numerous customizable features, like the option to withdraw a portion anytime, make this product super flexible. The Symetra Trek Plus annuity is a superb choice for a worry-free, secure future.

Symetra Trek Plus

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Investment

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

15%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

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 Cap with 20% Buffer	Point to Point 6-Year	100% Participation 120% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point Annual	22.5% Cap
6-Year Russell 2000 PTP Participation Rate with Cap with 20% Buffer	Point to Point 6-Year	100% Participation 115% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer with Fee	Point to Point 6-Year	110% 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 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 with Fee	Point to Point Annual	20% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer with Fee	Point to Point Annual	26% Cap
6-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point 6-Year	110% 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	13% Cap
6-Year Nasdaq-100 PTP Cap with 20% Buffer	Point to Point 6-Year	85% Cap
6-Year Russell 2000 PTP Participation Rate with 10% Buffer with Fee	Point to Point 6-Year	115% Participation
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	16.25% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	19.5% 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	37.5% 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 Cap with 10% Buffer with Fee	Point to Point Biennial	100% Participation 50% Cap
2-Year Russell 2000 PTP Participation Rate with Cap with 10% Buffer with Fee	Point to Point Biennial	100% Participation 70% Cap
2-Year Nasdaq-100 PTP Cap with 10% Buffer with Fee	Point to Point Biennial	47.5% 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 Cap with 10% Buffer	Point to Point 6-Year	103% 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 with Fee	Point to Point 6-Year	118% 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
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 20% Buffer	Buffer Plus 6-Year	100% Participation 120% Cap
2-Year S&P 500 Dual Trigger with 10% Buffer	Dual Direction Trigger Biennial	17.5% Performance triggered
1-Year S&P 500 Dual Trigger with 10% Buffer	Dual Direction Trigger Annual	9.5% Performance triggered
6-Year S&P 500 PTP Cap with 100% Buffer	Point to Point 6-Year	55% Cap
6-Year S&P 500 PTP Participation Rate with 30% Buffer with Fee	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	100% Participation 85% Cap
1-Year S&P 500 PTP Cap with 100% Buffer	Point to Point Annual	6.75% Cap
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 30% Buffer	Buffer Plus 6-Year	100% Participation 70% Cap
6-Year S&P 500 Buffer Plus Participation Rate with Cap with 10% Buffer	Buffer Plus 6-Year	105% Participation
1-Year Nasdaq-100 PTP Cap with 10% Buffer with Fee	Point to Point Annual	23% Cap
1-Year Nasdaq-100 PTP Cap with 15% Buffer	Point to Point Annual	16% 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 withdrawalsFor 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.

Company Founded: 1957

Excellent Rated Company

Symetra Life Insurance Company

Company Ratings

4.4