Before investing, clients should carefully consider the investment objectives, risks, charges, and expenses. The policy's value allocated to the subaccounts will fluctuate. Variable life insurance involves insurance-related fees and charges such as mortality and expense risk charges, surrender charges, cost of insurance, premium expense charges, and underlying fund expenses, which are explained in the prospectus. This and other information is contained in the policy prospectus and the underlying Portfolio prospectuses. Clients should contact their Registered Representative or Symetra for free copies of the prospectuses or visit www.symetra.com for an online copy. Clients should read them carefully before investing.

Past performance is no guarantee of future returns. The investment return and principal value of an investment will fluctuate, and units, when redeemed, may be worth more or less than their original cost.

Securities are offered through Symetra Securities, Inc. (SSI). Member FINRA.

Annuities and life insurance are issued by Symetra Life Insurance Company (SLIC), 108thAvenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.

In New York, annuities and life insurance are issued by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address is P.O. Box 34690, Seattle, WA 98124.

Symetra Life Insurance Company is a direct subsidiary of Symetra Financial Corporation. First Symetra National Life Insurance Company of New York is a direct subsidiary of Symetra Life Insurance Company and is an indirect subsidiary of Symetra Financial Corporation (collectively, “Symetra”). Neither Symetra Financial Corporation nor Symetra Life Insurance Company solicits business in the state of New York and they are not authorized to do so. Each company is responsible for its own financial obligations. Symetra^® is a registered service mark of Symetra Life Insurance Company.

SSI and SLIC are affiliates and are located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Each company is responsible for its own financial obligations.

Symetra Accumulator VUL is a flexible-premium adjustable variable life insurance policy. Where available, it is usually issued under policy form number ICC21_LC1.

Symetra Accumulator VUL can only be sold by registered representatives.

Symetra Protector IUL’s Lapse Protection Benefit is included at no additional cost and prevents the policy from entering into the grace period during any Lapse Protection Benefit Period. Insurance coverage will continue as long as the Lapse Protection Benefit remains in effect. Note that any increase in the policy’s specified amount after issue will terminate the Lapse Protection Benefit (except when an increase is the result of a change in Death Benefit Option).

Loans, withdrawals, and late or delayed premium payments may affect the duration of the Lapse Protection Benefit.

Guarantees and benefits are subject to the claims-paying ability of the issuing life insurance company.

Policy rider availability may vary by distribution partner.

This is not a complete description of the Symetra life insurance or annuity products. For a more complete description, please refer to the life insurance policies and annuity contracts.

The JPMorgan ETF Efficiente^® 5 Index may not be available in all products shown.

The JPMorgan ETF Efficiente^® 5 Index (“JPMorgan Index”) has been licensed to Symetra Life Insurance Company (the “Licensee”) for the Licensee’s benefit. Neither the Licensee nor Symetra Advisory Edge (individually, the “Product”) is sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “JPMorgan”). JPMorgan makes no representation and gives no warranty, express or implied, to contract owners in or those otherwise taking exposure to the Product. Such persons should seek appropriate professional advice before making any investment. The JPMorgan Index has been designed and is compiled, calculated, maintained and sponsored by JPMS without regard to the Licensee, the Product or any contract owner. JPMorgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the JPMorgan Index. JPMorgan may independently issue or sponsor other indices or products that are similar to and may compete with the JPMorgan Index and the Product. JPMorgan may also transact in assets referenced in the JPMorgan Index (or in financial instruments such as derivatives that reference those assets). These activities could have a positive or negative effect on the value of the JPMorgan Index and the Product.

Symetra^®, SwiftTerm^®, Select Max^®, Select Pro^® and VTS^® are registered service marks of Symetra Life Insurance Company.

Symetra Edge Elite^SM is a service mark of Symetra Life Insurance Company.

WEB-1430 3/24