Permanent life insurance

What is permanent life insurance?

Permanent life insurance provides a death benefit payment (proceeds to your beneficiaries) that is generally free of federal income tax and—depending on the product—may accumulate [cash value] (also known as policy value) you can access if you need it.1


Key benefits

Protect your beneficiaries with a guaranteed benefit if you die unexpectedly.

Preserve and potentially increase your wealth transfer to beneficiaries.

[Policy value] can grow tax-deferred over time.

How does permanent life insurance work?

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You pay

You make regular premium payments into your policy. 

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Policy value may increase

Your policy may accumulate cash value over time. 

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They benefit

Your beneficiaries receive a death benefit generally free of federal income tax when you die.

What do you want your insurance to do?


Accumulate policy value

  • To preserve your family’s lifestyle when you’re gone.
  • To pay off debts and final expenses.
  • To fund a tax-efficient transfer of your business to a partner or family member.
  • To access policy value for college, a business or a retirement income shortfall.

Leave money to your beneficiaries

  • To provide funds to help cover estate taxes, fees or even final medical bills.
  • To leave a legacy to loved ones or a charity, free of federal income taxes (and potentially free of estate taxes2).
  • To fund a tax-efficient transfer of your business to a partner or family member.

Symetra Life Insurance Company products to consider:


Symetra Accumulator Ascent IUL

Protection for your family and the potential to supplement your retirement income.


Symetra Protector IUL

Cost-effective, guaranteed life insurance protection with flexibility for life’s changing needs.


Symetra Accumulator VUL

Protection for your beneficiaries and tax-efficient, market-based wealth accumulation opportunities for you.

Next steps

Ask your insurance professional if life insurance is right for you.


Before investing, carefully consider the investment objectives, risks, charges, and expenses. The policy’s value allocated to the subaccounts will fluctuate. Variable life insurance involves fees and charges such as administrative charges, expense charges, cost of insurance charges, variable policy value charges, premium charges, surrender charges, underlying fund expenses, and, if applicable, transfer processing fees or withdrawal processing fees, which are explained in the prospectus. This and other information are contained in the policy prospectus and the underlying portfolio prospectuses. For online copies of the prospectuses visit Please read them carefully.

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.

Life insurance is issued by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, and is not available in all U.S. states or any U.S. territory.

SSI and Symetra Life Insurance Company 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 Ascent IUL is a flexible-premium adjustable life insurance policy with index-linked interest options. Policy form number is ICC17_LC1 in most states.

Symetra Protector IUL is a flexible-premium adjustable life insurance policy with index-linked interest options. Policy form number is ICC18_LC2 in most states.

Symetra Accumulator VUL is a flexible-premium adjustable variable life insurance policy. Policy form number is ICC21_LC1 in most states.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact your insurance professional for complete details.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Although proceeds of life insurance are generally received free of federal income-tax by beneficiaries, estate and local taxes may apply. Consult with your attorney or tax advisor for more information.

This is not a complete description of the Symetra Accumulator Ascent IUL, Protector IUL or Accumulator VUL policies. For a more complete description, please ask your insurance professional or registered representative.

1The policy may be subject to a contract maturity date.

2If the policy is properly structured in a trust outside of the estate. Trust should be drafted by an attorney familiar with such matters. Failure to properly structure could result in adverse treatment of trust proceeds. Symetra Life Insurance Company does not provide tax or legal advice.

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