1 Guaranteed life insurance protection with living benefits Symetra Classic Universal Life Insurance with Lapse Protection Benefit 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 LIM /13
2 Symetra Classic Universal Life Insurance A classic solution for changing needs For most people, universal life insurance represents a lifelong financial commitment. It s not unusual, however, for protection and estate planning needs to change over time. Symetra Classic s cash value focus is designed to provide you with options options like temporarily skipping payments, raising or lowering the policy s face amount, or even funding the future purchase of an insurance product that better suits your changing needs. Classic benefits: Optional lifetime, no-lapse protection. Flexible premium payments and death benefit payouts. Federal income tax is deferred while cash value grows. The potential to use cash value as a future financial cushion. Access to cash for a cognitive impairment or terminal illness.
3 Benefits of universal life insurance Considerations Life insurance provides money to secure your family s financial future or to transfer wealth. Some types of permanent insurance can also allow you to accumulate cash value for your own income needs. Unlike term life insurance, which typically provides coverage for a certain number of years, universal life is designed to provide flexible coverage throughout your lifetime. As long as the minimum monthly premium is paid, your beneficiaries are guaranteed to someday receive a federal incometax-free death benefit. Universal life also enables you to access any accumulated cash value during your lifetime. When considering life insurance, here are some questions to ask yourself: Is the death benefit needed for financial protection or to transfer wealth? How much of a death benefit is needed? Do I want to accumulate cash value for my own use? If so, can I benefit from: Federal income tax-deferred growth? Conservative, low-risk growth? Protection from creditors? There s more to life than a death benefit.
4 Symetra Classic Universal Life Insurance Why Classic? Symetra Classic is a universal life policy that can be tailored to your unique objectives, whether that s guaranteed lifetime protection or a focus on cash value accumulation. 1 It also offers a flexible payment schedule and can adapt over time to your changing needs. Included benefits 2 Accelerated Death Benefit Rider for Cognitive Impairment and Limited Activities of Daily Living If the insured is diagnosed with a severe cognitive impairment, a portion of the death benefit can be accelerated in advance to help pay medical bills or other expenses. Up to 50% of the policy s death benefit ($250,000 maximum) can be accessed in advance if the insured: Is unable to perform at least two of six activities of daily living for a continuous 90-day period, or Has a severe cognitive impairment for 90 continuous days that requires supervision to ensure the health and safety of himself or herself and others. 3,4,5 Accelerated Death Benefit Rider for Terminal Illness If a physician certifies that the insured is terminally ill with less than 12 months to live, up to 75% of the policy s death benefit can be accelerated (maximum of $250,000) in a lump sum, reduced by any outstanding loans. 5 Charitable Giving Benefit When selected at issue, this rider provides an additional 1% of the policy face amount (up to $100,000) upon the insured s death to the qualified charity of the policyowner s choice. 6 Safety Benefit Automatically added at issue, this rider provides an additional $10,000 death benefit if the insured s death occurs as the result of a motor vehicle accident and a seatbelt was worn at the time of the accident. Transportation Benefit Automatically added at issue, this rider provides an additional $5,000 death benefit to help cover transportation costs if the insured s death occurs more than 100 miles from home. Proof of residency may be required.
5 Speak with your insurance professional to learn more about the unique lifetime protection features offered by Symetra Classic Universal Life Insurance. Other optional riders 2 The following optional riders are available for an additional cost: Lapse Protection Benefit Available only at issue, this rider may be terminated at any time, and guarantees insurance coverage will continue during any time period the policyowner selects. 1 Additional Term Rider Adds a 20-year level term life insurance rider to the insured s policy. Insured Children s Benefit Provides $1,000 to $10,000 of life insurance coverage on all dependent children, ages 15 days through 17 years. Accidental Death Benefit Provides an additional death benefit of $250,000, or up to three times the policy s face amount, whichever is less, if the insured s death is accidental. Guaranteed Insurability Option Depending on the current age of the insured, provides the option to purchase additional coverage in amounts between $10,000 and $45,000, on specific future dates, without evidence of insurability. 7 Details about Symetra s cash value growth Tax deferral on any earnings. Policy loans are available. Loans offered at a net interest rate of 1% through the first 10 years. After 10th year, the net interest rate is guaranteed to never exceed 0.25%. 8,9 Partial withdrawals, which permanently reduce the death benefit, may be taken without surrender charges year surrender charge schedule that decreases over time.
6 Symetra Classic Universal Life Insurance About us With roots dating back more than half a century, Symetra delivers retirement, benefits and life insurance solutions nationwide. To learn more about us, visit
8 Symetra Life Insurance Company th Avenue NE, Suite 1200 Bellevue, WA Symetra is a registered service mark of Symetra Life Insurance Company. Symetra Classic Universal Life Insurance is a flexible premium universal life insurance policy issued by Symetra Life Insurance Company, th Avenue NE, Suite 1200, Bellevue, WA Policy form number is ICC11_LC5 in most states and is not available in all U.S. states or any U.S. territory. Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company. 1 Lapse Protection Benefit is not available in all states and terms and conditions may vary by state in which it is available. The benefit is also not available with juvenile-rated policies. Insurance coverage will continue as long as the Lapse Protection Benefit remains in effect. Note that any increase in the policy s face amount after issue will terminate the Lapse Protection Benefit. 2 Terms and conditions may vary by state; may not be available in all states. 3 Generally speaking, a severe cognitive impairment is a deterioration or loss in intellectual capacity in which the person requires substantial supervision by another person, and is measured by clinical evidence and standardized tests that reliably measure impairment in short- or long-term memory, orientation to people, places or time, and deductive or abstract reasoning. 4 Basic activities of daily living consist of self-care tasks, including, but not limited to: personal hygiene and grooming, dressing and undressing, self feeding, functional transfers (getting from bed to wheelchair, getting onto or off of toilet, etc.), bowel and bladder management. 5 Only available for issue ages 20-85, and not available on rated policies. Receipt of an Accelerated Death Benefit may be taxable. You should consult your personal tax or legal advisor before applying for this benefit. You may also lose your right to receive certain public funds such as Medicare, Medicaid, Social Security Supplemental Income, and others. 6 Only available on policies with a face amount of $100,000 or more. Payment is 1% of the original base policy face amount, to a maximum of $100,000, regardless of the policy face amount has been increased. If the policy face amount has been decreased, 1% of the remaining base policy face amount is paid. The charity must be designated at time of issue and qualify under tax codes 170(c) and 501(c). If the charity is not operating at the time of the insured s death, the estate may direct proceeds to another qualified charity. 7 Guaranteed Insurability Option is not available on policies with the Lapse Protection Benefit, an additional term rider, or an extra premium rating. 8 The current net interest rate after the 10th year is 0%. 9 Withdrawals or loans on modified endowment contracts (MECs) may be subject to federal income tax and a 10% IRS penalty on amounts taken prior to age 59½.
Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance Flexible and Efficient Asset Protection PP-2C Pacific Life Insurance Company 1 Pacific PRIME UL-NLG Help Protect Your Assets with Life Insurance
State Life Care Solutions Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY Nationwide YourLife CareMatters SM Client guide Choice, control, flexibility it s all in your hands Taking time to plan now can put you in control later Most
Whole Life Insurance Secure Protector Secure Accumulator A policy to grow. A policy to protect. FIXED GUARANTEES TO LAST A LIFETIME. Insurance products are issued by Minnesota Life Insurance Company in
Life Insurance in Retirement Program Life insurance in retirement LOOKING LONG-TERM Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products
UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed
The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information
An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing
Are you satisfied with the progress you ve made toward your retirement? Neither New York Life Insurance Company nor its agents provides tax, legal, or accounting advice. Please consult your own tax, legal,
Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,
The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
CB50330 Page 1 of 6 Cash Bonus Elite How would you like to enjoy up to 10% immediate growth on your money plus, up to 10% immediate growth on all additional payments made in the next 10 years? An exceptional
Basic Facts about Variable Annuities Variable annuities are long-term investment vehicles that provide a unique combination of insurance and investment features. Fundamentally, a variable annuity is an
Understanding Annuities Annuities ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE ARE NOT A DEPOSIT OF OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE IFS-A092313 Ed. 01/2005 Letter
Whole life insurance 5-minute guide The promise of life insurance. Keep your promise As a spouse or parent, you ve made a commitment to take care of and provide for your family. If you ve built your own
Buyer s Guide to: Fixed Deferred Annuities National Association of Insurance Commissioners 2301 McGee St Suite 800 Kansas City, MO 64108-2604 (816) 842-3600 1999, 2007 National Association of Insurance
Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company a OneAmerica company
Preparing for Your Retirement: The Role of Life Insurance in Retirement Planning Did you know that cash value life insurance is the only financial product with the flexibility to provide benefits if you
Aviva MultiChoice FreedomPlus S 80650-S (Rev. 6/09) Saving for retirement just got easier. With all of the choices you have today, saving for retirement can seem complex, challenging, and confusing. At
State Life Care Solutions Asset-based LTC solutions Product overview and training guide Products and financial services provided by The State Life Insurance Company a OneAmerica company For company use
BUYER S GUIDE TO FIXED DEFERRED ANNUITIES The face page of the Fixed Deferred Annuity Buyer s Guide shall read as follows: Prepared by the National Association of Insurance Commissioners The National Association
Annuities The Key to a Secure Retirement 1 Saving for retirement is crucial, and making sure those resources last throughout your lifetime is just as important. Annuities do both helping you save, then
Choose a new path for your retirement future. Nationwide New Heights Fixed Indexed Annuity Guarantees and protections are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company.
Understanding Annuities: A Lesson in Indexed Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income that
Materials presented in this borchure are a collective effort of the staff of the California Department of Insurance. CALIFORNIA CALIFORNIA DEPARTMENT OF INSURANCE Consumer Education and Outreach Bureau
INDIVIDUAL DISABILITY INSURANCE Professional Oasis Individual critical illness insurance AT A GLANCE Table of Contents Professional......................................1 Built-in features.................................