Symetra Trek Plus
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Highlights
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
|
Type
|
Registered Index-Linked |
|---|---|
| Purpose | Accumulation |
|
Term
|
6 Years |
|
Surrender schedule
|
9%8%7%6%5%4% |
|
Free withdrawal
|
15% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Launch date
|
05/25/2021 |
|
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 |
Brochure
|
Open brochure |
Find out if the Symetra Trek Plus is the right product for you.
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
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:
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 Any amounts withdrawn from an indexed account before the end of the interest term will not receive indexed interest at the end of the interest term.
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
|
108%
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 20% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
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
|
20%
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
|
120%
Participation
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
15%
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
|
40%
Cap
|
| 2-Year Russell 2000 PTP Cap with 10% Buffer |
Point to Point
Biennial
|
47.5%
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
|
107%
Participation
|
| 2-Year Russell 2000 PTP Participation Rate with 10% Buffer |
Point to Point
Biennial
|
102%
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
|
115%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with 10% Buffer |
Point to Point
6-Year
|
107%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 1-Year S&P 500 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
10%
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
|
10.75%
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
|
70%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with 30% Buffer |
Point to Point
6-Year
|
110%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with 30% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 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.
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