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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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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
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
Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
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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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
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
Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Beneft
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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Low Fees& Flexibility
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
TaxDeerral
InvestmentObjectives
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
Low Fees& Flexibility
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Beneft
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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Low Fees& Flexibility
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
TaxDeerral
InvestmentChoices
InvestmentObjectives
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
Low Fees& Flexibility
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Beneft
TaxDeerral
InvestmentChoices
stmentectives
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Low Fees& Flexibility
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Beneft
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 2016 (b. 1953-
Symetra Pension Reserve Fund 2020 (b. 1942-
Symetra Pension Reserve Fund 2020 (b. 1948-
Symetra Pension Reserve Fund 2020 (b. 1953-
Symetra Pension Reserve Fund 2020 (b. 1958-
Symetra Pension Reserve Fund 2024 (b. 1942Symetra Pension Reserve Fund 2024 (b. 1948-
Symetra Pension Reserve Fund 2024 (b. 1953
Symetra Pension Reserve Fund 2024 (b. 1958-
Symetra Pension Reserve Fund 2028 (b. 1948-
Symetra Pension Reserve Fund 2028 (b. 1953-
Symetra Pension Reserve Fund 2028 (b. 1958-
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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Low Fees& Flexibility
AutomatedSell Strategies
WealthTranser Be
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
InvestmentObjectives
Buy guaranteed annual lifetimeincome in advance, with thefreedom to change your mind.
Learn More
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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
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.
Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
WealthTranser Beneft
stmentectives
AutomatedSell Strategies
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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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
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.
Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Beneft
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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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
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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Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
More
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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
Low Fees& Flexibility
TaxDeerral
InvestmentChoices
GuaranteedLietime Income
AutomatedSell Strategies
WealthTranser Be
InvestmentObjectives
http://www.symetra.com/http://www.trueva.com/http://www.symetra.com/http://www.symetra.com/http://www.trueva.com/http://www.symetra.com/