Fixed Indexed Annuity

Symetra Income Edge Plus

Symetra Life Insurance Company

4.75%

Best Cap

10%

Free W/D

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

7.25% lifetime payout

A seven-year fixed indexed annuity from a multi-agency-rated carrier positioned by the carrier as an income contract with a guaranteed-lifetime-withdrawal benefit rider — though the live data row currently does not include rider terms, so the income figures need to be confirmed with the carrier before this contract is compared to other GLWB-rider income products.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a fixed indexed annuity built around a contractual lifetime-income answer rather than pure indexed accumulation, are willing to confirm the current GLWB rider's withdrawal rate and fee with the carrier or an advisor because they are not on the live data row, and want a shorter (seven-year) surrender window with a higher annual free-withdrawal allowance alongside the income chassis.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

4.75% cap rate

Rate varies by premium band.

1-year term

$100,000+

S&P 500

S&P 500 Index

100% participation rate + 4.25% declared rate

Rate varies by premium band.

1-year term

$100,000+

Nasdaq-100

Nasdaq-100 Index

5.25% cap rate

Rate varies by premium band.

1-year term

$100,000+

Nasdaq-100

Nasdaq-100 Index

100% participation rate + 4.25% declared rate

Rate varies by premium band.

1-year term

$100,000+

Fixed Account

3% declared rate

Rate varies by premium band.

1-year term

$100,000+

+ 1 volatility-controlled index option (J.P. Morgan)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit - Automatic Increase

RMD friendly

Lifetime payout rate7.25% lifetime payout

Annual rider fee1.2% annual rider fee

Income rider

Guaranteed Withdrawal Benefit - Income

RMD friendly

Lifetime payout rate5.4% lifetime payout

Annual rider fee1.2% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Positioned by the carrier as an income-first contract — the product itself is named for lifetime-income withdrawals and is sold with a guaranteed-lifetime-withdrawal benefit rider rather than as a pure accumulation chassis, so the buyer pool the carrier expects on this filing is people who want a contractual income answer rather than only indexed growth.
Crediting menu still offers a recognizable S&P 500 annual point-to-point cap and a Nasdaq-100 annual cap alongside an S&P 500 and a Nasdaq-100 participation-rate strategy and a J.P. Morgan ETF Efficiente 5 cap — so a buyer who elects the income rider also gets indexed growth exposure on multiple recognizable benchmarks during the deferral years.
Seven-year surrender ladder steps down to single-digit charges by mid-schedule rather than running the full ten years some Symetra accumulation filings carry, which makes the contract's lock-in window shorter than the rest of the carrier's FIA lineup.
Annual free-withdrawal allowance is in the double digits on this filing — at the higher end of the FIA market — so penalty-free access to a meaningful share of the contract value each year is part of the contract design, not just a back-end concession.
Carrier financial-strength view is triangulated rather than single-sourced — A.M. Best and Standard & Poor's both publish current ratings on this filing.

What to confirm

The live data row currently returns no income-rider terms for this filing, even though the carrier positions Income Edge Plus as a GLWB-rider product. Withdrawal rate, rider fee, deferral assumptions, and joint-life availability cannot be read off this page today — confirm the current rider's lifetime withdrawal rates, fee, and joint-life terms with the carrier before treating this contract as a comparable income product, and before comparing its lifetime payout to other GLWB-rider contracts.
Because the rider is the income mechanism, the contract carries a separate rider fee on top of the base contract — that fee compounds against indexed growth over the deferral years and is a material part of the net income story. Do not compare a Symetra Income Edge Plus lifetime payout against a Protected-Income-Value product's payout without accounting for the rider-fee drag.
The S&P 500 annual cap on this filing is below the cap shown on Symetra's pure-accumulation FIA filings — that is consistent with an income-rider chassis where the rider, not the index ceiling, is the headline buyer benefit, but it means buyers focused only on accumulation upside will likely find better caps on the carrier's accumulation-positioned products.
The J.P. Morgan ETF Efficiente 5 Index is a proprietary, volatility-controlled benchmark. Its absolute cap looks attractive but is not directly comparable to a cap on a broad, capitalization-weighted index — evaluate it on its own back-tested behavior.
Minimum premium, issue-age bounds, and rider-eligibility terms are not exposed on this data row — confirm contract minimums, eligibility, and rider terms with the carrier before purchase.

Not ideal for

Buyers who require every income figure to be visible on the product page before comparing, prefer a Protected-Income-Value chassis with no separately-elected rider fee, want the highest available index cap on a Symetra FIA (the accumulation-positioned products in the lineup carry higher caps), or want pure accumulation with no income rider in the contract design.

All crediting strategies

View rate listings (12 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 4.25% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4.25% · 1-yr

Nasdaq-100 Index

trigger

7-yr surrender$100,000+

Cap: 13% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

cap

7-yr surrender$100,000+

Cap: 5.25% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender$100,000+

Cap: 4.75% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 4.25% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 4.25% · 1-yr

Nasdaq-100 Index

$100,000+

Cap: 13% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

$100,000+

Cap: 5.25% · 1-yr

Nasdaq-100 Index

$100,000+

Learn about Symetra Income Edge FIA, featuring lifetime income withdrawals, tax-deferred growth, and reliable retirement income security.

3.5/5Read review

Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit CSV

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

After

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

First Symetra National Life Ins. Co. of NY AI - CT&NY brochure pdf.pdf

Confidence: highReviewed Apr 16, 2026

Direct link not published — request the document from the carrier.

product guide

FAM_1633_925_FINAL-2.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

product guide

FAM_1633_925_FINAL.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA

S&PA1

S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Symetra Income Edge Plus currently shows 6 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index and Nasdaq-100 Index, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

S&P 500 Index: 4.75% cap
S&P 500 Index: 100% participation
Nasdaq-100 Index: 5.25% cap

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

7.25% withdrawal rate
1.2% rider fee
10 deferral years
RMD friendly

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

10%/yr free withdrawal
7 surrender years
Nursing home waiver
Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as First Symetra National Life Ins. Co. of NY AI - CT&NY brochure pdf.pdf and FAM_1633_925_FINAL-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase

Free Comparison Report

Get a personalized Symetra Income Edge Plus illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources

Symetra Income Edge Plus

7.25% lifetime payout

Featured crediting strategies

Lifetime Income Riders

Guaranteed Withdrawal Benefit - Automatic Increase

Guaranteed Withdrawal Benefit - Income

How to think about this contract

Why it can stand out

What to confirm

All crediting strategies

Income riders

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Level Income

Guaranteed Lifetime Withdrawal Benefit - Automatic Increase

Guaranteed Lifetime Withdrawal Benefit - Level Income