The policy owner can change the address of record. If there is a separate premium payer, that individual can change the payer’s address of record. We accept address changes online, by phone at 1-800-796-3872, or in writing via fax or U.S. mail. If requesting your address change in writing, use the Address Change Request Form. If the policy owner is a corporation, please provide a written request on company letterhead. Fax or mail your change request to us using the contact information on the form.
To change the primary or contingent beneficiaries for your life insurance policy, please log into My Account and complete the form online. Or you may complete the Beneficiary Change Request form and fax or mail it. Here are some helpful tips:
Any requests received in good order will revoke all prior beneficiary designations.
We currently accept life insurance payments through the following methods:
Log into My Account and submit your billing change request. Or you may download and complete the Premium Billing Change Request form and fax or mail it to us using the contact information on the form.
One advantage of universal life policies is the inherent flexibility of their premiums. However, if you stop paying premiums for a period of time, skip premiums, or do not pay as originally illustrated, the increasing cost of insurance can erode the policy’s cash value and create a shortage that puts your policy in danger of lapsing. This is often the reason you may receive a Cash Value Insufficient Notice. Additionally, if your policy has a lapse protection benefit, it is important to pay the premiums as originally illustrated so your policy performs as intended.
For assistance or questions, please contact Symetra Customer Service at 1-800-796-3872.
Log into My Account to find the end of your level term period. Many policies automatically become “Annual Renewable Term” at the end of the level term period, at which time premiums increase each year based on the insured person’s attained age. This occurs until the policy reaches maturity. A letter is mailed 28 days prior to the expiration of the level term period to notify the policy owner of the new higher annual premium. You will find the schedule of annual renewable term rates in the policy under Schedule of Premiums.
Follow these steps:
1. Visit Symetra.com.
2. Click on the "My Account" button at the top of the screen.
3. Click “Create a new user account” link directly under the “Account access” title.
4. From the Type of User drop-down box, select “I’m a customer”.
5. Enter your policy number and continue through the prompts to set up the online account.
Through this process, you will establish a user name and password that you will use each time you log on.
In general, term policies do not build cash value and do not offer access to funds. Universal life (UL), variable universal life (VUL), and whole life policies have the potential to build cash value, and may offer the policy owner access to funds in one of the following ways:
Log into My Account and submit your loan or partial withdrawal request electronically. Or you may download and complete the Loan or Partial Surrender Request form. Please fax or mail it to us using the contact information on the form.
The owner of the policy can request a duplicate policy (if available) or certificate of insurance for a $25 fee (except in California, where we waive the fee once per year). Use the Lost Policy Affidavit/Certificate of Insurance Request form. Please fax or mail it to us using the contact information on the form.
If the owner resided in a community property state and the spouse is to become the new owner, only a death certificate and Ownership Change Request form are required. If the death did not occur in a community property state, we require the following:
You can download the Ownership Change Request form. Please fax or mail it to us using the contact information on the form.
If you need to file a claim or have questions about a claim, please contact our Individual Claims Department at 1-800-796-3872. Representatives are available Monday through Friday, from 7 a.m. to 4 p.m. PT.
A written request from the policy owner(s) is required to surrender a policy. We also require the signatures of any irrevocable beneficiaries and collateral assignees, if applicable. The owner’s signature must be verified. We may require notarization of the owner’s signature if their signature has changed. To request a surrender form, please contact us at 1-800-796-3872.