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Fixed Indexed Annuity

Symetra Stride

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, 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.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies and a fixed-rate sleeve from a multi-agency-rated carrier, and value an RMD waiver and a fully declining surrender schedule.

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

S&P 500

S&P 500 Index

45% participation rate

Fixed Account

Fixed Account

3.25% declared rate

+ 6 volatility-controlled index options (J.P. Morgan, Putnam Dynamic...)

Lifetime Income Riders

Income rider

Signature Withdrawal Benefit

RMD friendly
Lifetime payout rate5.05% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with proprietary participation-rate strategies on the J.P. Morgan ETF Efficiente 5 Index and the Putnam Dynamic Low Volatility Excess Return Index, plus a fixed-account option — so a buyer can hold a like-for-like S&P comparison strategy alongside higher-participation volatility-controlled choices and a declared-rate sleeve in the same contract.
  • Several index strategies publish a 2-year point-to-point alongside the standard 1-year, with materially higher participation rates on the longer term — buyers willing to credit interest over a two-year window have a structurally different growth path than the annual-credit default without changing contract.
  • Surrender ladder declines by roughly one percentage point per year over the full ten-year term, so partial surrenders beyond the annual free-withdrawal allowance are progressively cheaper as the contract ages rather than facing a flat-then-cliff schedule.
  • Carrier financial-strength view is triangulated rather than single-sourced — A.M. Best and Standard & Poor's both publish current ratings on this filing, so the strength read on this page is not a single-agency call.
  • Contractual waivers include nursing-home, RMD, and terminal-illness — the RMD waiver in particular keeps required-minimum-distribution withdrawals from triggering a surrender charge on qualified money, alongside the standard annual free-withdrawal allowance.

What to confirm

  • This is positioned as an accumulation contract and the live data row returns no guaranteed-lifetime-withdrawal rider. The carrier may offer an optional lifetime-income feature on this product through separate contract terms — confirm income-rider availability, current withdrawal rates, and rider fees with the carrier before comparing this contract against a rider-led income product on lifetime payout.
  • Several index strategies are proprietary, volatility-controlled benchmarks (J.P. Morgan ETF Efficiente 5, Putnam Dynamic Low Volatility Excess Return). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each 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 who expect to need a larger annual access percentage beyond the contractual minimums should weigh that against products with a higher free-withdrawal 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 prefer a simple MYGA-style declared rate — this contract is built for indexed accumulation over a long deferral, not those outcomes.

All crediting strategies

View rate listings (20 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: 120% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

participation

10-yr surrender

Par: 100% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 14% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

cap

10-yr surrender

Cap: 10% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

cap

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: 185% · 2-yr

Putnam Dynamic Low Volatility Excess Return Index

participation

10-yr surrender

Par: 155% · 2-yr

J.P. Morgan ETF Efficiente 5 Index

participation

10-yr surrender

Par: 45% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 120% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

Par: 100% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

Par: 35% · 1-yr

S&P 500 Index

Cap: 14% · 1-yr

J.P. Morgan ETF Efficiente 5 Index

Cap: 10% · 1-yr

Putnam Dynamic Low Volatility Excess Return Index

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 3.25% · 1-yr

Fixed Account

Par: 185% · 2-yr

Putnam Dynamic Low Volatility Excess Return Index

Par: 155% · 2-yr

J.P. Morgan ETF Efficiente 5 Index

Par: 45% · 2-yr

S&P 500 Index

Income riders

Income rider

Signature Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.05%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80

GLWB

Income rider

Signature Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.05%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80

GLWB

Income rider

Signature Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 80

GLWB

Income rider

Signature Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 80

GLWB

Key Features

Free withdrawal

7%/yr

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

Surrender waivers

3

Nursing home waiver, RMD 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: 5.00%

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, RMD 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-stride.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 Stride currently shows 10 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index and Fixed Account, with 6 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
  • S&P 500 Index: 45% participation

Income rider language

What to look for before treating the rider as income

Signature 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.

  • 5.05% withdrawal rate
  • 1.1% rider fee
  • 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.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD 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-stride.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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