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BELLEVUE, Wash.--([ BUSINESS WIRE ])--Advisers in search of reliable retirement income solutions for their clients have an innovative new tool with [ Symetra True Variable Annuity ]a". Through True VA, clients have the ability to reserve guaranteed annual lifetime income while retaining flexibility by investing in specific Symetra Pension Reserve Fundsa" sub-advised by Russell Investments.¹

"We believe this is the future of lifetime income."

aAs defined benefit plans have become less prevalent, they have been replaced by defined contribution or cash balance plans. The Symetra Pension Reserve Fund Sub-Accounts were created to offer some of the attributes of these plans a" offering both the certainty of defined benefit plans with the flexibility of defined contribution and cash balance plans,a said Dan Guilbert, executive vice president of Symetra Life Insurance Companyas Retirement Division. aWe believe this is the future of lifetime income.a

Symetra Pension Reserve Funds (PRF) offer:

Control a" Whether clients want to guarantee a minimum amount of income to meet basic needs or secure a higher amount to maintain a current standard of living, they can choose how much income they want and when they want payments to begin. And unlike other income solutions on the market, clients can manage their income streams by the calendar year in which payments are to begin a" allowing them to build a ladder of increasing income.

Transparency a" Clients purchase units in any of the Symetra Pension Reserve Funds Sub-Accounts that correspond to their year of birth. Each unit provides $1 of guaranteed annual lifetime income starting at a specific date. No complicated illustration or software is needed; for $10,000 of annual lifetime income, the client simply purchases 10,000 units.²

Flexibility a" Clients have the flexibility to change their mind without penalty prior to a PRFas termination date,³ giving them control over the liquidity of their assets. They may transfer contract value in or out of the PRF sub-accounts at any time without charge. Prior to the PRF termination date, clients determine whether they want to receive the guaranteed annual income or take the PRFas current value and explore other opportunities. They also may consider other payout options available at then-current rates. If clients elect to receive the annual income, the units will be annuitized for lifetime income.⁴

Key features include:

• Guaranteed Income Start Date a" Clients pick a fund based on their year of birth and available calendar year start dates. Income start dates range from 2016 to 2028 with four-year intervals.
• Pre-Income Stream Flexibilitya" There is broad flexibility for clients to change the income start date; select or change multiple income stream start dates; increase or decrease income stream(s); or opt in or opt out of income stream(s).
• Pre-Income Stream Death Benefit a" Through an optional Wealth Transfer Benefit Rider, beneficiaries can receive 100 percent of the contract value, plus an additional 50 percent of the contractas investment gains to help offset taxes.
• Income Stream Payments a" Clients receive the greater of the guaranteed amount or amount based on Symetraas thena"current single life annuity rates.

For more information about Symetra True Variable Annuity, [ click here ] to access the product brochure or visit [ www.trueva.com ]. For advisers interested in a selling agreement, call 1-855-TRUEVAS (1-855-878-3827).

About Symetra

Symetra Life Insurance Company is a subsidiary of Symetra Financial Corporation (NYSE: SYA), a diversified financial services company based in Bellevue, Wash. 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 advisers. For more information, visit [ www.symetra.com ].

Before investing, carefully consider the investment objectives, risks, charges and expenses. This and other information is contained in the contract prospectus and the underlying fund prospectuses. You may call or write your Registered Representative or Symetra for free copies of the prospectuses or visit [ www.trueva.com ] for online copies. Please read them carefully before investing.

Securities are distributed by Symetra Securities, Inc. (SSI). Symetra True Variable Annuity is a flexible premium deferred variable annuity issued by Symetra Life Insurance Company (SLIC). Contract form number is ICC12_RC1, and Wealth Transfer Benefit rider form number is ICC12_RE1 in most states and is not available in all U.S. states or any U.S. territory. SSI and SLIC are affiliates and are both located at 777 108^th Avenue NE, Suite 1200, Bellevue, WA 98004-5135.

Variable annuities, which are suitable for long-term investing, are subject to market risks, including the loss of principal invested. Like many variable annuities, this contract has terms and limitations for keeping it in force. Please contact your Registered Representative for complete details.

Not a bank or credit union deposit or obligation. Not FDIC or NCUA/NCUSIF Insured. Not Insured by any federal government agency. Not guaranteed by any bank or credit union. May lose value.

Symetra Life Insurance Company does not provide investment, legal or tax advice.

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

The Symetra Pension Reserve Funds are not insured by the Pension Benefit Guaranty Corporation (PBGC).

Withdrawals may be subject to federal income taxes and a 10% IRS early withdrawal tax penalty may also apply for amounts taken prior to age 59 . The Contract owner should Consult his or her attorney or tax advisor for more information.

Certain conditions, restrictions and limitations are associated with the Wealth Transfer Benefit (WTB) rider. If contract owners elect this rider, they may not realize the benefits if they experience no gain or consistently negative rates of return.

¹ The prepaid annuity option guarantee of annual lifetime annuity payments is provided by Symetra Life Insurance Company. Please refer to the Symetra True Variable Annuity prospectus for more details.

² The amount you pay for each unit varies depending on the value of the PRF. Unit values fluctuate daily based on the performance of the PRF.

³ Once annual lifetime income annuity payments start, however, they may not be stopped. Annual lifetime income annuity payments continue until your death. There are no guaranteed minimum payments with this option.

⁴ If you choose the guaranteed lifetime income at the fund termination date, the guaranteed income is based on a single life expectancy.

Symetra is a registered service mark of Symetra Life Insurance Company.

True Variable Annuitya" and Symetra Pension Reserve Fund Sub-Accountsa" are service marks of Symetra Life Insurance Company.

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