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Symetra TrueVariable AnnuitySM

What does atrue investorlook like?

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Introduction

Low Fees& Flexibility

TaxDeerral

InvestmentChoices

GuaranteedLietime Income

AutomatedSell Strategies

WealthTranser Be

InvestmentObjectives

What does a

true investorlook like?

True investors want to maximizegrowth potential and manage risk.

They look to improve tax eciencyas long as it doesnt limit fexibilityor create unnecessary costs . . .

and they demand value.

VAM-1008/A 6/1

Not a bank or credit union deposit or obligation Not insured by any federal government agency

Not FDIC or NCUA/NCUSIF insured Not guaranteed by any bank or credit union May lose value

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TaxDeerral

InvestmentChoices



WealthTranser Be


Learn More

Your concerns about investing

and retirement drive your

investment objectives.

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nvestment Objectives

onsider the following as you set your

nvestment objectives:

ymetra True Variable Annuity (True VA) equips your investmentrofessional with a financial planning solution that may meet

many of your investment objectives.

he risk o outliving your money or

aving to change your liestyleutliving your money in retirement may be your

reatest concern. You wonder i you will have

nough money in the uture to live in the style

ouve grown accustomed.

Market volatilityne risk is that your portolio drops in value just as

ou retire or while youre taking income. True VA

ant eliminate market volatility, but it does provide

ou and your investment proessional with tools to

elp manage volatility in your portolio.

axess a variable annuity, True VA allows or tax-

eerred growth which can, over time, provide

or a larger account value. Keep in mind that aualied account such as an IRA already provides

ax deerral, so you should only consider True VA

or IRAs i the other benets are important to you.

Keeping up with inationIn order or your money to have the opportunit y to

grow, its important to consider the quality o the

investment managers and overall diversication.

Although dive rsication does not ensure a prot

or guarantee against loss, True VA gives you

access to a wide selection o premier money

managers and asset classes to provide your

investment portolio a chance to beat infation and

potentially grow over time.

Your legacyOver the long term, your hope i s that your

investments grow. In a variable annuity, i you

have a gain your beneciaries will have to pay

taxes on that growth. True VA oers a solution that

pays an enhancement at death to help cover part

o the tax burden. Its an optional benet that youcan select when you purchase the contract. It

carries an additional cost, but may be appropriate

i youre looking to deray some o the tax bill.

stmentectives


TaxDeerral

InvestmentChoices



WealthTranser Beneft

Symetra True VA is worth a closer look.

True VA includes eatures to help your investment proessional manage

your moneyand deer your tax bill along the way. Its a client-centric

variable annuity with low ees,* no surrender charges and a transparent

investment structure.

Symetra True VA may be appropriate if you seek:

Low ees and exibility

Tax deerral

Premier money managers andbroad investment choices

Guaranteed lietime income

Automated sell strategies

Wealth Transer Beneft

True VA was built with fexibility in mind and not all o the benets

will be appropriate or attrac tive to you. Your investment proessional

can help you determine i True VA will help you meet your

investment objectives.

*Source: Morningstar survey of 1,854 variable annuities on 12/31/2011. The total mortality and expense, administrative, and distribu

expense fees for True VA equal 0.60%, placing it in the lowest quartile of variable annuities. If the maximum sub-account fund facilit

0.15% (which is not currently charged) were included in total expenses, True VA would still be in the lowest quartile of variable annu

comparison of total expenses does not include fees associated with the underlying funds.

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TaxDeerral

InvestmentChoices



WealthTranser Be


Low ees, fexibility and

transparency . . .withoutsacrifcing quality.

Learn More

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Low Fees* and Flexibility

he mortality and expense charge (M&E) is the

e that pays or the annuity contract, includingxpenses to administer the contract and our

bligation to make annuity payments. This charge

as been set at a low annual rate o 0.60% o

ontract value as we pay no retail commissions.

Our sub-accounts only include institutional share

classes or our unds. Since our unds dont have

Rule 12b-1 ees, many investment options within

True VA have lower total expenses than the

shares o some retail mutual unds.2

urce: Morningstar survey o 1,854 variable annuities on 12/31/2011. The total mortality and expense, administrative, and distribution expense ees

True VA equal 0.60%, placing it in the lowest quartile o variable annuities. I the maximum sub-account und acilitation ee o 0.15%, (which is not

rrently charged), were included in total expenses, True VA would still be in the lowest quartile o variable annuities. The comparison o total expenses

es not include ees associated with the underlying unds.

Total costs are calculated by adding the mortality and expense ee to the median und expense ratio or sub-accounts investing in both active and

passive underlying unds as o 12/31/11.

Rule 12b-1 ees, which range rom 0.10% 1.00% o a unds average daily net assets on an annual basis, are expenses borne by a mutual und or

sales and distribution and are reected in the unds expense ratio.

For a nonqualifed contract, a 10% ederal tax penalty may apply to withdrawals above the tax basis made by the owner beore the age o 59.

Mortality and Expense Charge Fund Expenses

he median cost o True VA, including underlying investmentptions, is between 0.88% and 1.34% o your contract value onn annual basis.1

ariable annuities have oten been criticized or surrender charges that lock investors into the contract

or extended periods o time.

or a $25,000 minimum investment, True VA oers exibility without surrender charges. With True VA,

ou have the exibility to move out o a contract that no longer fts your needs. Enjoy the benefts o

ax deerral or as long as you like and when youre ready to withdraw, pay ordinary income taxes at

our applicable rate.3 You only pay taxes on the gains above your original basis.

Flexibility without the cost


TaxDeerral

InvestmentChoices




stmentectives

4This total expense excludes ees or the optional rider as well as any applicable ees or transers o contract value between sub-accounts. Sym

impose a und acilitation ee on the sub-accounts. We currently do not assess this ee. The ee is set at a maximum annual rate o 0.15% o c

value. We will provide written notifcation in advance i we choose to assess this ee.

Passive Funds reers to Symetra True VA sub-accounts that simply seek to mimic the perorma specifc index.

Active Funds reers to Symetra True VA sub-accounts that apply a portolio management stratewith the goal o outperorming or otherwise adding value relative to an investment benchmark.

A key to efectively implement any investmenstrategy is to control the total cost o a produWith True VA, costs have been signiicantlyreduced by avoiding Rule 12b-1 ees and otdistribution expenses.

0.60%

0.28%

0.88%

0.60%

0.74%

1.34%

Mortality & Expense (M&E)

Median Fund Expenses

Total4

Passive Funds Active Funds

Symetra True VA

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InvestmentChoices



WealthTranser Be

TaxDeerral


Defer taxes on a greater portion

of your portfolio.

Learn More

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Tax Deferral

axes a re an inevit able realit y of accumulating

ealth. Everyone who earns income is expected

pay their fair share in taxes. The drag

reated as the government takes its share along

e way leaves less money working for you

ach year.

you have substantial holdings in tax-inefficient

ssets, you may benefit from an investment

True VA. What makes an investment tax-

efficient? One that delivers most or all of its

tal return in forms that are heavily taxed.

With True VA, all investment activity occurs within

a platform that defers taxation on interest income,

dividends or capital gains.1 You wont pay tax on

earnings when you transfer your contract value

from one sub-account to another, or when you

rebalance among sub-accounts to manage risk.

Please consider your personal investment

horizon and current/anticipated income tax

brackets when making an investment decision

as these unique factors will impact the results

of this comparison.

When you eventually withdraw money, taxes will be due on investment gains at your ordinary income tax rate. Additionally, a 10% ederal tax penalty will

apply to withdrawals on gains made beore the age o 59.Hypothetical results are or illustrative purposes only and not intended to represent past perormance, or to predict the uture perormance o any

specic investment.

The inormation is not complete and is not intended as tax advice. You should consult a tax advisor about the possibilities o tax law changes and your

individual circumstances.

For this example, we have assumed that the reduction in marginal income tax rates, changes to the tax rate brackets, and the suspension o the phase-

out o personal exemption and itemized deductions or high-income taxpayers, originally enacted in the Economic Growth and Tax Relie Reconciliation

Act o 2001 a nd extended by the Tax Relie, Unemployment Ins urance Re authorizatio n, and Job Creation Act o 2010 through Dece mber 31, 2012, will

be extended throughout the timeline o this hypothetical example.

According to the Interna l Revenue Se rvice, the average st ate income tax ra te is 5%, rounded to the nea rest ull pe rcentage p oint.

Source: http://www.irs.gov/taxstats/indtaxstats/article/0,,id=96981,00.html

The tax-deerred account does not refect the deduction o mortality and expense charges or investment option expenses which, i shown, would lower

perormance. The taxable account does not refect the deduction o ees, charges or expenses which, i shown, would likewise lower perormance.

efer taxes on your portfolio

ll investment activity occurs within an investment platform thatefers taxation on interest income, dividends and capital gains.

76 percent of middle income Baby Boomers consider tax deferraln important feature when selecting a retirement income product,nd nearly a quarter of middle income Boomers would be less likely

o save for retirement if tax incentives were reduced or eliminated. udy by Insured Retirement Institute (IRI) ~ March 2012


InvestmentChoices




TaxDeerral

stmentectives

$200K

$200K

$240K

$240K

$280K

$280K

$320K

$320K

$360K

$360K

$400K

AccountValue(in

thousand

s)

AccountValue(in

thousands)

Tax-Deferred Account vs.

Taxable Account3

Before taxes on distributions

Tax-Deferred Account vs.

Taxable Account3

After taxes on distributions

Taxable account before distrib

Taxable account after distribu

Difference before distributions

Difference after distributions

Its not what youmake, its what youkeep that counts.

Tax-deferred account b efore taxon distributions

Tax-deferred account a fter taxon distributions

In many cases, an investment with earnings that grow tax-deferred will create more value, af

than one that is taxed annually. There are times when tax deferral yields better results, and o

times when a taxable account is more favorable. This hypothetical illustration shows how a t

deferred account compares to a taxable accountboth after full liquidation.

Taxable vs. Tax Deferred?

Assum ption s for bothhypothetical examples:

Initialinvestmentof$200,000

60-year-oldmarriedcouplefilingjointly with a n adju sted gro ssincome of $125,000

2012federalincometaxbracketsincreasing at a 3% inflation rate 4

Average state income tax rate of 5%5

100%bondfunds(assumes no capital gaindistributions)

4.5%annualrateofreturn

Neitherexamplereflectsthededuction of fees, charges orexpenses6

0

0

$0

$0

$20,00

$1,000

$40,00

$2,000

$3,000

$60,00

$4,000

Years

Years

1

1

2

2

3

3

4

4

5

5

6

6

7

7

8

8

9

9

10

10

11

11

12

12

13

13

14

14

15

15

Hypothetical Examples2

The f latte ning of the cu rve i n year s

10-12 is due to the movement of theinvestor through tax brackets upona lump sum distribution from thetaxable and tax-deferred accounts.

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WealthTranser Be

TaxDeerral

InvestmentChoices


Choose from a broad array of

investments, including passive index

funds and active funds, managed

by some of the worlds leadingmoney managers.

Learn More

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nvestment Choicesffered by an impressive lineup of managers

Large Cap

Large Cap Value

Americ an Centur y VP Value Fund

DFA VA US Large Value Portfolio

Invesco Van Kampen V.I. Comstock Fund

Mutual Shares Securities FundClass 1

Symetra Yacktman Focused Fund

T. Rowe Price Equit y I ncome Portfo lio

Vanguar d

VIF Equity Income Portfolio

Large Growth

Blackrock Capital Appreciation V.I. Fund

Fidelity VIP Contrafund Portfolio Initial Class

MFS Growth Series

T. Rowe Price Blue Chip Growth Portfo lio

T. Rowe Price New Americ a Gr owth Portfo lio

Vanguar d V IF Capit al G rowth Portfo lio

Large Cap Blend

Dreyfus VIF Appreciation Portfolio Initial Shares

Franklin Rising Dividends Securities Fund

Invesco V.I. Core Equity Fund

Pioneer Fund VCT Portfolio

Sentinel VP Common Stock Fund

Symetra DFA U.S. CORE Equity Fund

Vanguar d V IF Equit y In dex Portfol io ( P)

Vanguar d V IF Total Sto ck M arket Index Portfo lio (P)

Mid Cap

Mid Cap Value

AllianceBernstein VPS Small/Mid Cap Value Portfolio Class A

Americ an Centur y VP Mid Cap Value Fund

Janus Aspen Perkins Mid Cap Value Portfolio

JPMorgan Insurance Trust Mid Cap Value Portfolio

Mid Cap Growth

Columbia VP Mid Cap Growth Fund

Delaware VIP Smid Cap Growth Series, Standard Class

Fidelity VIP Mid Cap Portfolio Initial Class

Janus Aspen Enterprise Portfolio

Mid Cap Blend

Invesco V.I. Mid Cap Core Equity Fund

Vanguar d VI F Mid-C ap Index Portfo lio (P)

Small Cap

Small Value

Columbia VP Small Cap Value FundDelaware VIP Small Cap Value Series, Standard

DFA VA US Targeted Value Portfolio

Small Growth

Allian ceBer nstein VPS S mall Cap Growth Portfo

Class A

MFS New Discovery Series

Pioneer Growth Opportunities VCT Portfolio

Sentinel VP Small Company Fund

Vanguar d VI F Sma ll C ompany Growth Portfo lio

Small Blend

Calvert VP Russell 2000 Small Cap Index Portfo

Invesco V.I. Small Cap Equity Fund

Royce Capital Fund Micro-Cap Portfolio

Royce Capital Fund Small-Cap Portfolio

International/Foreign Equities

Foreign Large Cap Value

Delaware VIP International Value Equity Series,

Standard Class

DFA VA International Value Portfolio

Templeton Foreig n Se curiti es

MFS International Value Portfolio

Foreign Large Cap Growth

Invesco V.I. International Growth Fund

MFS International Growth Portfolio

T. Rowe Price Intern ationa l Sto ck Por tfolio

Vanguar d VI F Intern ationa l Por tfolio

(P) Denotes a passive index portfolio





TaxDeerral

InvestmentChoices

stmentectives

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TaxDeerral

InvestmentChoices

stmentectives

Funds Available for the Guaranteed Annua

Lifetime Income Option

Symetra Pension Reserve Fund 2016 (b. 1942

Symetra Pension Reserve Fund 2016 (b. 1948-






Symetra Pension Reserve Fund 2024 (b. 1942Symetra Pension Reserve Fund 2024 (b. 1948-

Symetra Pension Reserve Fund 2024 (b. 1953





Information as of May 7, 2012.

oreign Large Cap Blend

alvert VP EAFE International Index Portfolio (P)

olumbia VP International Opportunity Fund

anus Aspen Overseas Portfolio

ymetra DFA International CORE Equity Fund

oreign Small and Mid Cap

FA VA International Small Portfolio

xed Income

merging Markets Bond

MCO Emerging Markets Bond Portfolio Institutional

ymetra DoubleLine Emerging Markets Income Fund

overnment Bond

anklin U.S. Government Fund

FS Government Securities Portfolio

MCO Long-Term US Government Portfolio Institutional

igh Yield Bond

ackRock High Yield V.I. Fund

olumbia VP Income Opportunities Fund

angua rd V IF High Yield Bond Portfo lio

hort Term Bond

FA VA Short-Term Fixed Portfolio

MCO Low Duration Portfolio Institutional

angua rd V IF Short-Term I nvestme nt-Grad e Por tfolio

termediate Term Bond

delity VIP Investment Grade Bond Portfolio Initial Class

anus Aspen Flexible Bond Portfolio

MCO Total Return Portfolio Institutional

entinel VP Bond Fund

ymetra DoubleLine Total Return Fund

anguar d V IF Total Bo nd M arket Index Portfol io ( P)

World Bond

FA VA Global Bond Portfolio

MCO Foreign Bond Portfolio (Unhedged) Institutional

MCO Global Bond Portfolio (Unhedged) Institutional

empleton Global Bond Secur ities Fund

Multi-Sector Bond

Fidelity VIP Strategic Income Initial Class

Franklin Strategic Income Securities Fund

PIMCO Unconstrained Bond Portfolio Institutional

Pioneer Strategic Income VCT Portfolio

Specialty

Commodities

PIMCO CommodityRealReturn Strategy Portfolio

Institutional

Real Estate

AllianceBernstein VPS Real Estate Investment Portfolio Class A

Fidelity VIP Real Estate Initial Class

Vangua rd V IF REIT Index Portfo lio (P)

Natural Resources

Van Eck V IP Gl obal Hard Assets

Inflation Protection Bond

PIMCO Real Return Portfolio Institutional

Sector

Technology

Fidelity VIP Technology Initial Class

Utilities

MFS Utilities Series

Financials

Fidelity VIP Financial Services Initial Class

Energy

Fidelity VIP Energy Initial Class

HealthCare

T. Rowe Price Healt h Sc ience s Por tfolio

World Allocation

BlackRock Global Allocation V.I. Fund

PIMCO All Asset Portfolio Institutional

PIMCO Global Multi-Asset Portfolio Institutional

Money Market

Vanguar d V IF Money Market Portfol io

Balanced

Vanguar d V IF Balan ced Portfol io

Global Real Estate

Invesco V.I. Global Real Estate Fund

Global Equities World Stock

Mutual Global Discovery Securities Fund

PIMCO EqS Pathfinder Portfolio Institutional

Emerging Markets

Templeton Develop ing Markets Secur ities Fund

Delaware VIP Emerging Markets Series, Standard Class

Multi-Alternative

Van E ck V IP M ulti-M anage r Al ternati ves

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WealthTranser Be

TaxDeerral

InvestmentChoices



Buy guaranteed annual lifetimeincome in advance, with thefreedom to change your mind.

Learn More

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TaxDeerral

InvestmentChoices



WealthTranser Be


Help manage risk with an

automated "sell strategy" tool.

Learn More

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Automated Sell Strategies

ehavioral fnance research confrms what

vestment proessionals have said or years: and hoc investment strategy is prone to emotional

ecisions made largely on the basis o ear, greed

nd trying to gain a sense o control during times

market turmoil.2

ong-term success requires discipline and a

ophisticated rebalancing strategy. Although the

rategy itsel cannot ensure a proft or guarantee

gainst a loss, this automated tool gives your

vestment proessional a way to implement sell

rategies based on your risk tolerance, or both

sing and alling markets. Depending on your

vestment proessionals service oering to you,

is may or may not be something he or she

ould want to utilize.

et sell strategies based on your

sk tolerance.

n optional tool to help manage risk.1

Normally, an investors risk tolerance is tied to

the overall investment portolio. You might sayyou are comortable with a portolio that goes

down 20% and up 40%. The problem is that

sometimes one or more o the investments

within the portolio goes down (or up) a lot

more than that. Your investment proessional

can now institute automated sell strategies

so you can put limits on the individual sub-

accounts/asset classes in the portolio.

This is simila r to how mutual und manage rs

manage speciic stocks in their unds, and you

now have the option to manage risk in a similar

ashion within True VA.

ou decide when it s time to lock in your gains and wheno stop the losses for each of your sub-accounts.


TaxDeerral

InvestmentChoices



stmentectives


The gains and losses on your investments will

be monitored individually based on your strategy.

When you reach a predetermined percentage

gain within a sub-account, that sub-account

will be liquidated and the proceeds transerred

into another investment o your choice. Likewise,

when one o your sub-accounts drops to a

predetermined level you choose, its automatically

sold and the proceeds move to another sub-

account according to your instructions.

Heres how it works:

All o this trading occurs inside the variable annuity itsel, so your risk management decisions

hindered by short-term tax consequences.

4

There are no applicable ees or restrictions or thetransactions, and you are ree to change your strategy/percentage trigger at any time.

1 Symetra Lie Insurance Company does not give investment, tax or legal advice.2 The Research Foundation o CFA Institute Literature Review, 2008.3 Hypothetical results are or illustrative purposes only and not intended to represent past perormance, or to predict the uture perormance o

specifc investment.4 Transers o contract value between sub-accounts, including those resulting rom implementing automated sell strategies, generally do not have e

income tax consequences. Please consult your tax advisor or more inormation. Please note: since orders are executed ater the close o the bus

day, the actual trade will not occur until the ollowing business day. Consequently, the gain or loss may vary rom the target sell price. Orders auto

terminate ater 18 months, but can be renewed at any time.

Hypothetical Illustration of Automated Sell Strategies at Work3

When choosing the destination sub-accou

may want to take the opportunity to trans

money market und instead and give your

beore reinvesting. Alternatively, you may

to reallocate the money to other sub-acco

later reinvest back into the same sub-acc

Sub-AccountGain

Trigger

Loss

Trigger

A +50% -20%

B +45% -30%

C +30% -25%

D none -30%

E none -25%

F none none

Your Acceptable

Risk Tolerance f

Sub-Account C

03Proceeds TranMoney moves to chosen dest

sub-account(s)

+30%

-25%

Amount in

Sub-Account

When Trigger

is Set

Amount in C Mov

Destination Sub-A

Amount in C Mov

Destination Sub-A

A

B

C

DEF

01Set Trigger PointEstablish individual sub-account

trigger points or portolio

02Trigger Point HitsTrigger point based on value o

sub-account on day trigger is set

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TaxDeerral

InvestmentChoices



WealthTranser Be


Ofset the impact o taxes

or your benefciaries.

Learn More

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Wealth Transer Beneft

While ederal tax law does not provide a step-up in tax basis or annuities at

eath, Symetra has created a Wealth Transer Beneit (WTB) rider that may oset

ome o the tax burden or your beneiciaries when they withdraw money rom

e contract.1

his cost-eect ive d eath beneit provides your b eneici aries with an additiona l

mount o 50% o your accumulated earnings in your contract at the time o

eath to help cover taxes or other costs.

s you age, the annual rate used to ca lculate your W TB r ider charge will increase

nd could cause the WTB rider charge applicable to you to also increase. The

crease could be signiicant. And its possible that although you may pay or the

eneit over time, you may never receive it should your account drop in the uture.

dditiona lly, a spouse who continues the contract may a lso b e ab le to con tinue

e WTB rider i he or she is younger than age 76. Other restrictions apply, so

ease review the prospectus or more inormation.

ou are ree to remove the W TB r ider at any t ime, but it cannot be r einstated

nce removed.

Symetra True VA oers an optional Wealth Transer Beneitder that provides an additional beneit to help pay taxest death.

This inormation is not complete and is not intended as tax advice. You should consult a competent tax advisor about the possibilities o tax law

changes and your individual circumstances.

you elect this rider, we will deduct an additional charge on the frst business day o each contract month when there is a gain in your contract. In

Montana, gender is not a actor in the cost o the rider.


TaxDeerral

InvestmentChoices




stmentectives

Pay or the Wealth Transer Beneit only when there igain in the contract.

A True Wealth Transer Beneft

Pays 50% o the gain in the contract, up to 500% o the total purchase payme

(as measured on the frst business day o each month).

This optional rider must be selected at time o purchase.

Charges are based on age and gender as well as the gain above your total

purchase payments at the time the ee is assessed. Please consult the prospe

or the current ee schedules.2

Withdrawals will reduce gains on a dollar-or-dollar basis.

Wealth Transer Death Beneft

Contract Value

InitialPurchasePayment

I your contract value

is below the initial

purchase payment, t

death beneft will be

contract value

I your contract value

is above the initial

purchase payment, t

death beneft will be

contract value plus 5

o the gain (subject t

the maximum)

Heres how it works:

*Assumes that only the initial purchase payment is paid and no withdrawals are made.

DollarValues

Years

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TaxDeerral

InvestmentChoices



WealthTranser Be


Consider Symetra True VA or:

Please talk to your investment professional to see

if True VA may be right for you.

Low ees and exibility

Improved tax eciency by investing a greater

portion o your portolio in a tax-deerred vehicle

Access to premier money managers and abroad investment selection

Guaranteed annual lietime income

Sophisticated risk management tools

Wealth Transer Beneft or legacy planning

More

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Before investing, carefully consider theinvestment objectives, risks, charges andexpenses. This and other information iscontained in the contract prospectus and theunderlying portfolio prospectuses. Please callor write your Registered Representative orSymetra for free copies of the prospectus orvisit www.symetra.com for online copies andread them carefully before investing.An investment in the Money Market Portfoliois not insured or guaranteed by the FederalDeposit Insurance Corporation or anyother government agency. Although thePortfolio seeks to preserve the value of yourinvestment at $1.00 per share, it is possible tolose money by investing in the Portfolio.

Securities are oered through Symetra Securities, Inc. (SSI).

Symetra True Variable Annuity is a exible premium deerred

variable annuity issued by Symetra Lie Insurance Company

(SLIC). Contract orm number is ICC12_RC1 and WTB

rider orm number is ICC12_RE1 in most states and is not

available in all states or any U.S. territory. SSI and SLIC are

afliates and are both located at 777 108th Avenue NE, Suite1200, Bellevue, WA 98004-5135.

Guarantees and benefts are subject to the claims-paying

ability o Symetra Lie Insurance Company.

Withdrawals may be subject to ederal income tax and a 10%

IRS early withdrawal tax penalty may also apply to amounts

withdrawn prior to age 59. Consult your attorney or tax

advisor or more inormation.

Variable annuities, which are suitable or long-term investing,are subject to market risks, including the potential loss o

principal invested. Like many variable annuities, this contract

has terms and limitations or keeping it in orce. Please

contact your Registered Representative or complete details.

A rider is a provision o the annuity with benefts and eatures

that should never be conused with the annuity itsel. Beore

evaluating the benefts o a rider, careully examine the

annuity to which it is attached.

Important Disclosures

Certain conditions, restrictions and limitations are associated

with the Wealth Transer Beneft rider. I contract owners

elect this rider, they may not realize the benefts i they

experience no gain or consistently negative rates o return.

Funds in which the sub-accounts invest may have their

own policies and procedures regarding short-term

investments and may impose ees or restrictions on short-

term trading. I these ees apply, they will be deducted

rom the contract value.

There are special risks associated with investing in certain

underlying unds. Examples may include small company,

geographic, international, emerging markets and sector ocusSee your prospectus(es) beore investing.

The PIMCO All Asset Portolio Institutional Class, the

Symetra DFA U.S. CORE Equity Fund, and the Symetra DFA

International CORE Equity Fund are und o unds and are

subject to the risks o their underlying unds, including the

volatility o the fnancial markets in the U.S. and abroad, as

well as the additional risks associated with investing in high

yield, small-cap and oreign securities.

While nonqualifed annuities oer the added beneft o tax

deerral, in the case o qualifed annuities, the tax deerral is

provided by the retirement plan itsel. Investors should ocus

on the benefts oered by a variable annuity to assess i a

variable annuity is right or them.

The Symetra Pension Reserve Funds are not insured by the

Pension Beneft Guaranty Corporation (PBGC).

DoubleLine is a registered trademark o DoubleLine

Capital LP.

Vanguard is a trademark o The Vanguard Group, Inc.

Nothing in this brochure is intended to be investment, tax or

legal advice.

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7/28/2019 VAM - 1008.1

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Symetra is a diversifed, well-capitalized company on the rise, as

symbolized by our brand iconthe swit. Weve operated on aoundation o fnancial stability, integrity and transparency or more

than hal a century, providing solutions that clients need through

investment proessionals, fnancial institutions, beneft consultants

and independent agents. Symetra Financial Corporation trades

as SYA on the NYSE. Symetra Lie Insurance Company is a wholly

owned subsidiary o Symetra Financial Corporation.

To learn more about us, visit www.symetra.com or www.trueva.com

S metra is a registered ser ice mark of S metra Life Ins rance Compan

Symetra Life Insurance Company

777 108th Avenue NE, Suite 1200

Bellevue, WA 98004-5135

www.symetra.comor www.trueva.com


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