Symetra Enters Fast-Growing Registered Indexed Annuity Space with Symetra Trek

Symetra Life Insurance Company, a leading fixed annuity provider, has
launched Symetra Trek^(SM), an individual,
single-premium deferred annuity with index-linked interest options,
including the proprietary PIMCO Equity Fusion Index. The newest addition
to Symetra’s broad product suite joins the fastest-growing category in
the annuities space as Q4 sales of registered indexed-linked annuities
topped $3 billion, an increase of more than 10 percent over the prior
year.¹

“Symetra Trek seeks to strike a balance between risk and reward for
clients who want growth potential tied to equity returns, but with
limited exposure to downside risk. It offers multiple features—no annual
fees, strong liquidity features, two downside protection options and
five index choices, including the exclusive PIMCO index—all packaged in
a Symetra VTS² way,” said Kevin Rabin, vice president of
Retirement Products. “Symetra’s collaborative approach to product
development to meet our partners’ evolving needs is one of our core
strengths. Trek expands our commitment to offer registered
representatives and their clients additional choices by providing
transparent, flexible options that are designed to add value and fit the
needs of today’s retirement marketplace.”

Symetra Trek features include:

• Growth potential—Opportunities for clients’ money to
  grow based on the performance of up to five market indexes, up to a
  cap.
• Downside protection—Two downside protection options —
  “buffer” and “floor” — provide limited protection from market losses.
• Access to money—Clients can make free annual withdrawals
  of up to 15 percent of their contract value or the total interest
  earned, whichever is greater, for the first six years.
• No surprises—There are no annual fees.

Symetra developed a microsite for financial professionals which includes
a virtual reality feature. Symetra
Trek Swift Notes offers a high-level product overview and links to
additional resources, including rates and the prospectus.

About Symetra

Symetra Life Insurance Company is a subsidiary of Symetra Financial
Corporation, a diversified financial services company based in Bellevue,
Washington. In business since 1957, Symetra provides employee benefits,
annuities and life insurance through a national network of benefit
consultants, financial institutions, and independent agents and
advisors. For more information, visit www.symetra.com.

¹ LIMRA Secure Retirement Institute, Fourth Quarter 2018 U.S.
Retail Annuity Sales Survey (Feb. 20, 2019) https://www.limra.com/Posts/PR/News_Releases/LIMRA_Secure_Retirement_Institute__Total_Annuity_Sales_Have_Best_Quarter_in_Nearly_10_Years.aspx

² Symetra At-A-Glance, VTS, “Our success as a business is
guided by the principles of Value, Transparency and Sustainability, or
VTS.” https://www.symetra.com/globalassets/catalog/sym---1001.1.pdf

Securities are offered through Symetra Securities, Inc. (“SSI,” member
FINRA).

Symetra Trek is an individual single-premium deferred annuity contract
with index-linked interest options issued by Symetra Life Insurance
Company (SLIC). Contract form number is RSC-0536 4/18 in most states.
Products, features, terms and conditions may vary by state and may not
available in all U.S. states or any U.S. territory. SSI and SLIC are
affiliates and are both located at 777 108th Avenue NE, Suite 1200,
Bellevue, WA 98004-5135. Each company is responsible for its own
financial obligations.

Guarantees and benefits are subject to the claims-paying ability of
Symetra Life Insurance Company.

Symetra Trek has indexed accounts and a fixed account. Interest credited
to the indexed accounts is affected by the value of outside indexes.
Values based on the performance of any index are not guaranteed, and the
contract value may decrease. The contract does not directly participate
in any outside investment.

Indexed interest is calculated and credited (if applicable) at the end
of an annual interest term. Indexed interest may be positive, negative,
or zero. Amounts withdrawn from the indexed account before the end of an
annual interest term will not receive indexed interest for that term.

Protection by the buffer and floor is only applied at the end of each
interest term. Withdrawals made from the indexed account during the
interest term will not receive the protection of the buffer or the floor
as they would at the end of the interest term. If the index value falls
for multiple years, the cumulative indexed account value may decline by
more than the buffer or floor percentage.

If the Return Lock feature is exercised, no indexed interest will be
credited to the indexed account at the end of the interest term.

If the contract is being funded with multiple purchase payments (e.g.,
1035 exchanges) funds will be held and the contract will not be issued
until all purchase payments have been received. Interest is not credited
between the dates the purchase payments are received and the date the
contract is issued.

The performance of an index does not reflect the payment or reinvestment
of dividends.

It is not possible to invest in an index.

Symetra reserves the right to add, remove or replace indexes or
crediting methods subject to applicable regulatory approval.

The fixed account interest rate and indexed interest caps are reset at
the beginning of each interest term. Subsequent rates and caps may be
higher or lower than the initial rate and caps, but they will never be
less than the guaranteed minimums stated in the contract.

Withdrawals may be subject to federal income tax, and a 10% IRS early
withdrawal federal tax penalty may also apply for amounts taken prior to
age 59 1/2. Consult your attorney or tax advisor for more information.

SYMETRA LIFE INSURANCE COMPANY (“Symetra”) has filed a registration
statement (including a prospectus) with the SEC for Symetra Trek. For
more complete information about Symetra and Symetra Trek, you should
read the prospectus and other documents Symetra has filed with the SEC
before purchasing. These documents are available for free by visiting
EDGAR at www.sec.gov.
Alternatively, Symetra will provide the prospectus by request. Contact
Symetra toll-free at 1-800-796-3872 ext. 22136.

Symetra Trek is a long-term investment designed for retirement
purposes. There is a risk of substantial loss of principal. Please refer
to the prospectus for more details.

The PIMCO Equity Fusion Index™ (the "Index") is an equity index that
allocates to exchange-traded funds tracking four major equity markets:
U.S. large-capitalization equities, U.S. small-capitalization equities,
technology-focused equities, and emerging market equities. On a
quarterly basis, the index adjusts its allocation to the Constituents
according to a predefined set of rules based on contrarian signals. The
Index is a trademark of Pacific Investment Management Company LLC
("PIMCO") and has been licensed for use for certain purposes by Symetra
Life Insurance Company (“Symetra”) in connection with the annuity. The
Index is the exclusive property of PIMCO and is made and compiled
without regard to the needs, including, but not limited to, the
suitability needs, of Symetra, the annuity, or the owners of the
annuity. The annuity is not sold, sponsored, endorsed or promoted by
PIMCO or any other party involved in, or related to, making or compiling
the Index. PIMCO does not provide investment advice to Symetra Life
Insurance Company with respect to the annuity or to the owners of the
annuity. Neither PIMCO nor any other party involved in, or related to,
making or compiling the Index has any obligation to continue to provide
the Index to Symetra with respect to the annuity.

Neither PIMCO nor any other party involved in, or related to, making or
compiling the Index makes any representation regarding the Index, Index
information, performance, annuities generally or the annuity
particularly.

PIMCO disclaims all warranties, express or implied, including all
warranties of merchantability or fitness for a particular purpose or
use. PIMCO shall have no responsibility or liability with respect to the
annuity.

The Index is comprised of a number of constituents, some of which are
owned by entities other than PIMCO. The Index relies on a variety of
publicly available data and information and licensable equity and fixed
income sub-indices. All disclaimers referenced in the Agreement relative
to PIMCO also apply separately to those entities that are owners of the
constituents of the Index. Constituents of the Index include certain
ETFs.

This is not a complete description of Symetra Trek. For a complete
description, please ask your registered representative for a copy of the
prospectus.

Symetra^® is a registered service mark of Symetra Life
Insurance Company. Symetra Trek^(SM) is a service mark of
Symetra Life Insurance Company.

SYC-1112 03/19

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