Symetra
A retirement and protection insurer headquartered in Bellevue, Washington - a wholly owned subsidiary of Sumitomo Life Insurance Company, one of Japan's largest life insurers, with more than 65 years of operating history.
Financial strength
A
AM Best
A
S&P Global
A1
Moody's
A rated
Symetra carries A (Excellent) from AM Best, A (Strong) from S&P, and A1 (Good) from Moody's.
Sumitomo Life backing
Wholly owned subsidiary of Sumitomo Life Insurance Company, a large Japanese mutual life insurer.
Bellevue, WA
Headquartered in Bellevue, Washington.
Founded 1957
Symetra Life Insurance Company has more than 65 years of operating history.
Retirement platform
Spans fixed indexed annuities, fixed annuities, income annuities, life insurance, and workplace benefits.
Run live numbers on Symetra products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Income Edge Plus
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
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Explore Symetra products
Known Symetra product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Edge Elite
A seven-year accumulation fixed indexed annuity from a multi-agency-rated carrier with an annual free-withdrawal allowance at the top end of the accumulation FIA market, and a broad crediting menu that pairs an S&P 500 and a Nasdaq-100 annual cap with proprietary participation-rate strategies on Franklin Large Cap Value and J.P. Morgan ETF Efficiente 5.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Edge Revolution
A seven-year accumulation fixed indexed annuity in Symetra's Edge family from a multi-agency-rated carrier with an annual free-withdrawal allowance at the top end of the accumulation FIA market and a broad crediting menu that pairs S&P 500 and Nasdaq-100 annual caps with proprietary participation-rate strategies on Franklin Large Cap Value and J.P. Morgan ETF Efficiente 5.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Symetra Prestige
A ten-year accumulation-focused fixed indexed annuity from a multi-agency-rated carrier with a focused crediting menu — an S&P 500 cap and participation-rate strategy alongside a 1-year and 2-year participation path on the SG Columbia Global Market States Index, plus a declared-rate fixed account.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Symetra Stride
A ten-year accumulation-focused fixed indexed annuity from a multi-agency-rated carrier, pairing a recognizable S&P 500 annual cap with proprietary participation-rate strategies on J.P. Morgan ETF Efficiente 5 and Putnam Dynamic Low Volatility, plus a declared-rate fixed account and a full declining surrender ladder.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
Start with the job for the money, then open the live Symetra product page that matches that goal.
Company overview
What Symetra is
Symetra Life Insurance Company offers retirement and protection solutions for individuals, families, and businesses, including fixed indexed annuities, multi-year guaranteed annuities, income annuities, life insurance, and employee benefits.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Founded in 1957, Symetra has more than 65 years of experience and has expanded from traditional life insurance into retirement income solutions and workplace benefits.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Symetra groups its annuity offerings around families such as Symetra Edge, Symetra Prestige, and Symetra Select.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1957
More than 65 years of operating history.
Founded 1957 · AnnuityRatesHQ carrier research, June 2026
Headquarters
Bellevue, WA
Headquartered in Bellevue, Washington.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Parent
Sumitomo Life
Wholly owned subsidiary of Sumitomo Life Insurance Company.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Platform
Multi-line
Annuities, life insurance, and workplace benefits including disability and stop-loss.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History highlights
Founded in 1957, Symetra Life Insurance Company has more than 65 years of experience serving policyholders and retirement savers.
Founded 1957 · AnnuityRatesHQ carrier research, June 2026
The company has expanded from traditional life insurance into retirement income solutions, fixed indexed annuities, workplace benefits, disability insurance, and stop-loss coverage.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Symetra operates under the long-term backing of Sumitomo Life Insurance Company.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Backed by Sumitomo Life Insurance
Symetra Financial Corporation is a wholly owned subsidiary of Sumitomo Life Insurance Company, one of Japan's largest life insurers with more than 100 years of operating history.
June 2026 · AnnuityRatesHQ carrier research, June 2026
As a mutual insurance company, Sumitomo Life focuses on long-term policyholder obligations and financial strength, providing Symetra with substantial financial backing and global resources.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Annuities are issued through Symetra Life Insurance Company and, in New York, First Symetra National Life Insurance Company of New York.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A
Excellent financial-strength rating.
June 2026
AnnuityRatesHQ carrier research, June 2026
S&P Global
A
Strong financial-strength rating.
June 2026
AnnuityRatesHQ carrier research, June 2026
Moody's
A1
Good financial-strength rating.
June 2026
AnnuityRatesHQ carrier research, June 2026
What makes Symetra different
Sumitomo Life backing
Ownership by Sumitomo Life, a large Japanese mutual insurer, gives Symetra substantial financial backing and a long-term, policyholder-focused orientation.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Multi-agency strength
Symetra holds A (Excellent) from AM Best, A (Strong) from S&P, and A1 (Good) from Moody's, corroborating its claims-paying ability across agencies.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Broad accumulation FIA menu
Symetra's Edge FIAs pair recognizable benchmark caps (S&P 500, Nasdaq-100) with proprietary participation-rate strategies and top-of-market free-withdrawal allowances.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Retirement and workplace platform
Beyond annuities, Symetra spans life insurance and employee benefits, giving it a broader platform than a product-only annuity carrier.
June 2026 · AnnuityRatesHQ carrier research, June 2026
About Symetra
Symetra Life Insurance Company, headquartered in Bellevue, Washington, is a retirement and protection insurer founded in 1957 and backed by Sumitomo Life Insurance Company, one of Japan's largest life insurers.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Symetra offers fixed indexed annuities, fixed-rate annuities, and income annuities alongside life insurance and workplace benefits, emphasizing flexibility, financial stability, and customizable protection.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Symetra spans Edge, Prestige, and Stride FIAs plus the Select fixed-rate family. Select Pro and Select Pro NY remain distinct state-specific versions.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Symetra's current rate report
Compare Symetra's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Symetra website — 2026-06-20
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026