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Symetra Select Max

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Symetra Select Max is a modified single-premium fixed deferred annuity. Select Max Fixed Deferred Annuity can help serve as a foundation of stability for your retirement portfolio by providing both accumulation and lifetime income options, and also providing for loved ones. Features include: 
  • The reliability of an interest rate with no exposure to market risk. 
  • The ability to accumulate more through tax-deferred and compounding interest. 
  • The ability to access a portion or, in certain cases, all of the money in your contract without withdrawal charges.
Minimum purchase payment 
  • $10,000 
  • You can add purchase payments of $1,000 or more throughout the first year of your contract. Payments are accepted in a lump sum or monthly payments up to $1mil without home office approval.
Free annual withdrawals
Accumulated interest earned (minus previous interest withdrawn) can be withdrawn free of charge.

Market Value Adjustments (MVA)
In some circumstances, an MVA may apply when you withdraw money from your contract, because changes in the interest rate environment may alter the amount you withdraw. Adjustments are based on the change in the Bloomberg Barclays US Intermediate Corporate Bond Index yield between the day the contract was issued and the day the withdrawal is taken. The adjustment to the amount you withdraw will either be a credit (resulting in an increased amount) or a charge (resulting in a decreased amount) paid to you. MVA is not applicable in CA.

Death benefit
When you purchase your annuity, you’ll also name primary and contingent beneficiaries for your contract. Upon your death, your beneficiaries will receive the greater of: 
  • The contract value (which does not reflect any current withdrawal charge or MVA); 
  • The cash surrender value (reflecting any applicable withdrawal charge and MVA); or 
  • The guaranteed minimum value. 

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.5%
5 years 4.8%
7 years 4.85%

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