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Fixed Indexed Annuity

Symetra Prestige

Symetra Life Insurance Company

5%

Best Cap

7%

Free W/D

50

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.

S&P 500 annual cap rate

5% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, prefer a smaller, easier-to-evaluate crediting menu over a sprawling one, want the option of a multi-year participation-rate path on a proprietary index alongside an S&P 500 cap, and value multi-agency carrier financial-strength corroboration.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

35% participation rate

Fixed Account

Fixed Account

3.25% declared rate

+ 2 volatility-controlled index options (SG Columbia...)

Lifetime Income Riders

Income rider

Signature Plus Withdrawal Benefit

RMD friendly
Lifetime payout rate5.3% lifetime payout
Annual rider fee1.25% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Tight, focused crediting menu rather than a sprawling list — buyers see a clear S&P 500 annual-cap option, an S&P 500 participation-rate strategy, a participation-rate path on the SG Columbia Global Market States Index with a 1-year and a 2-year crediting option, plus a declared-rate fixed account. Smaller menus are easier to evaluate strategy-by-strategy than 15-plus-strategy contracts.
  • SG Columbia Global Market States Index publishes a 2-year point-to-point alongside the 1-year, with materially higher participation on the longer term — a buyer willing to credit over a two-year window can structurally lift indexed exposure without leaving the contract.
  • Surrender ladder declines by roughly one percentage point per year across the full ten-year term, so partial surrenders beyond the annual free-withdrawal allowance get cheaper as the contract ages rather than dropping abruptly.
  • 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

  • This is positioned as an accumulation contract and the live data row returns no guaranteed-lifetime-withdrawal rider. The carrier's broader lineup may offer optional lifetime-income features through separate contract terms — confirm income-rider availability, withdrawal rates, and rider fees with the carrier before comparing this contract against rider-led income products on lifetime payout.
  • The SG Columbia Global Market States Index is a proprietary, volatility-controlled benchmark. Its participation rate looks high in absolute terms but is not directly comparable to an S&P 500 cap — evaluate it on its own back-tested behavior and on how its volatility cap restrains upside in strong years.
  • Surrender period is a full ten years and the year-one and year-two charges are at the top end of the FIA market, so this contract assumes the buyer can leave principal locked beyond the annual free-withdrawal allowance for the full schedule.
  • Free-withdrawal allowance is at the lower end of the FIA accumulation market on this filing — buyers expecting a larger annual access percentage beyond the contractual minimums should weigh that against products with a higher band.
  • Minimum premium and contract-eligibility bounds are not exposed on this data row — confirm premium minimums and issue-age limits with the carrier before purchase.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider on the live data row, want short-surrender liquidity or a high annual free-withdrawal allowance, or want a broad crediting menu with many index choices — this contract is built for indexed accumulation over a long deferral on a tight strategy menu, not those outcomes.

All crediting strategies

View rate listings (10 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: 130% · 1-yr

SG Columbia Global Market States Index

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 190% · 2-yr

SG Columbia Global Market States Index

participation

10-yr surrender

Par: 130% · 1-yr

SG Columbia Global Market States Index

Par: 35% · 1-yr

S&P 500 Index

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 3.25% · 1-yr

Fixed Account

Par: 190% · 2-yr

SG Columbia Global Market States Index

Income riders

Income rider

Signature Plus Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.3%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Income rider

Signature Plus Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate4.55%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

7%/yr

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

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

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

symetra-prestige.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 Prestige currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index and Fixed Account, with 2 volatility-controlled index options 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: 5% cap
  • S&P 500 Index: 35% participation
  • Fixed Account: 3.25% fixed

Income rider language

What to look for before treating the rider as income

Signature Plus Withdrawal Benefit 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.

  • 5.3% withdrawal rate
  • 1.25% rider fee
  • RMD friendly
  • Joint life availability

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.

  • 7%/yr free withdrawal
  • 10 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 symetra-prestige.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

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