Group life and disability insurance
Tribal member
life insurance
A unique group life insurance offering for tribal members and shareholders.
The loss of a tribal member or shareholder is a time for grief, remembrance and respect. Traditional burial ceremonies are a way to honor the life of a valued friend or loved one, while teaching future generations about the unique customs of your culture.
Symetra group life insurance can help provide financial support to tribal members and shareholders following the death of a loved one.
Because the needs of each tribe are different, every policy we write is exclusive to the membership guidelines set by the tribe, rancheria or pueblo. Our policy provides distinct features such as:
Coverage for all tribal members and shareholders (membership status is determined by the tribe).
Guaranteed issue coverage for all members and shareholders.
Naming the tribe as beneficiary.1
No required waiver of Sovereign Nation immunity.
Flexible age reduction schedules. Benefits are typically subject to standard age reductions, but no age reductions may be quoted with underwriting review and approval.
Symetra Support® programs
Tribal member assistance program (TMAP)
TMAP is available for an additional cost and provides up to five specialized support sessions per household per year for mental health counseling, legal support or financial information, in addition to unlimited phone support and digital resources.2
Included with TMAP, well-being coaching provides one-on-one holistic support via telephone or video sessions for a wide range of issues that may affect an individual’s well-being and ability to reach personal goals and milestones of success.
Beneficiary assistance
Compassionate beneficiary assistance consultants provide guidance and referrals to help members manage a loved one's final affairs.
Travel assistance
Provides pre-trip planning information and emergency assistance while traveling 100 miles or more from home and on a trip lasting 90 days or less.
Identity theft assistance
Provides guidance and support in the event an identity is stolen—including help with card replacement, translation services, and notification of the incident to the three major credit bureaus.
EstateGuidance®
A simple, secure and affordable online tool that allows members to select and prepare the documents they need for estate planning and final arrangements.
Frequently asked questions
Who is eligible for life insurance?
All tribal members and shareholders are eligible for coverage. Eligibility for non-member and non-shareholder dependents is at the discretion of the tribe. The membership status defined by each federally recognized tribe, rancheria or pueblo will be reflected in the policy.
Who can be named as beneficiary?¹
• The tribal entity (which may be sole beneficiary of member coverage only if 100% of premium is paid for by the tribe).¹
• Any beneficiary named by the insured member or shareholder.
• The tribal entity and a beneficiary named by the insured member (split primary).¹
Is supplemental coverage available?
Tribal coverage typically includes basic group life insurance with no supplemental life, dependent life or accidental death and dismemberment (AD&D) coverage. However, alternate schedules may be offered on an exception basis at the discretion of underwriting.
Solutions for tribal-owned businesses
Symetra offers a suite of group life, disability and supplemental health insurance benefits that can help round out your employee benefits package. You may choose to provide coverage as part of a compensation package, offer it on a voluntary basis, or both. Our flexible policy designs and consultative approach help ensure you get exactly the benefits you need at a price that fits your budget.
Want to get started?
To learn more, contact your benefits broker or consultant.
Group life policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in any U.S. territory. Base policy form number is LGC-10039 12/12.
Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, call your Symetra representative.
Symetra Support® is a registered service mark of Symetra Life Insurance Company. TMAP, well-being coaching and EstateGuidance® are provided by ComPsych® Corporation. Beneficiary assistance, travel assistance and identity theft assistance are provided by On Call International. Symetra Support® programs may not be available in all states. On Call and ComPsych® are not affiliated with Symetra Life Insurance Company or any of its subsidiaries. EstateGuidance® is a registered trademark of ComPsych® Corporation.
If you’re an employer in Arizona, please click this link to view the exclusions and limitations for tribal insurance.
1 Not available in Alaska, Florida, Louisiana, Montana and North Dakota.
2 In California, counseling sessions are limited to three sessions per person in a six-month period.
WEB-1384/TGL 6/26