exv10w8






Exhibit 10.8




	 	 	 
	 

	 	STAT #: 19-17-9121

SSN/TAX ID #: 33-0339296

DOC CODE: AAG

NAME: Agency Agreement

# OF PGS: 14 pgs total






Agency Agreement




Symetra Life Insurance Company



This agency agreement (“Agreement”) is executed by the undersigned party(ies) (hereinafter
collectively called “Agency”) and Symetra Life Insurance Company (hereinafter called “Company”).
If more than one agency is listed below, any reference in this Agreement to “Agency” shall be
deemed to refer to the appropriate Agency as the context requires. It shall consist of this page
and the pages identified by the following form numbers:




LSA-900




This Agreement applies to life and health insurance products issued by the Company
(collectively “contracts”) written by Agency on or after the effective date of this Agreement.




Agency is responsible for ensuring that no business is solicited until the effective date of this
Agreement.





	 	 	 	 	 	 	 
	Signature /s/ Doug Jackson

	 	 
	 	/s/ Pat McCormick
	 	 
	 


				 

		
	(Agency Principal or Authorized Officer)

	 	 	 	Pat McCormick	 	 
	Doug Jackson

	 	 	 	Senior Vice President	 	 
	Senior Vice President

	 	 	 	Symetra Life Insurance Company	 	 
	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	Date Signed: March 10, 2006

	 	 	 	For Symetra Life Insurance Company	 	 
	 


	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	Contracted Servicing Agency or Agent Name:

	 	 	 	Effective Date: March 10, 2006	 	 
	

				 

		
	 

	 	 	 	(To be filled in by Symetra Personnel)	 	 
	 
	 	 	 	 	 	 
	WM Financial Services, Inc.
	 	 	 	 	 	 
	WMFS Insurance Services, Inc.
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	   19-17-9121
	 	 	 	 	 	 
	Symetra Stat Number
	 	 	 	 	 	 
	P.O. Box 34920
	 	 	 	 	 	 
	Seattle, WA 98124-1920
	 	 	 	 	 	 







 





Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra Financial Corporation, this information
has been filed separately with the Securities and Exchange Commission.




LSA-399 03/2006 WAMU




 









 








Symetra Life Insurance Company

Terms and Conditions




General





	1.	 	Values Statement
	 
	 	 	The Company has a history, tradition and reputation for high ethical standards. Company and
Agency agree to adhere to the Values Statement, avoid conflicts of interest, and comply with
all applicable laws. The Company represents that the contracts and any material, supplies,
advertising, sales proposals or other printed matter mentioning the Company by name or
intending to generate an interest in the Company or its products provided or approved by the
Company shall comply, and shall be in continuing compliance with, all applicable federal and
state laws and regulations, and shall be filed with and approved by all governmental agencies
if and as required by law.
	 
	 	 	Both parties shall:






	 	a.	 	Act with integrity, which includes being honest with customers and with each other.
	 
	 	b.	 	Take appropriate actions, including having adequate supervision, to comply with applicable laws.






	2.	 	Confidentiality
	 
	 	 	“Confidential Information” of any party shall mean ideas, expressions, trade secrets,
customer lists, products, policies, forms, business methods, business plans, software and
information from third parties (such as software and its related documentation) for which such
party has a duty of confidentiality, as well as information which from all relevant
circumstances should reasonably be assumed by a party to be confidential information, whether
any of which is marked “Confidential Information” or not. Each party will make reasonable
effort to advise the other party when information disclosed to the other party is Confidential
Information. Confidential Information relating to a party shall be held in confidence by the
other party to the same extent and in at least the same manner as such party protects its own
Confidential Information, but in no case to a lesser extent or manner than a reasonable degree
of care under the circumstances. Confidential Information shall not be disclosed to third
parties without specific written permission of the protected party. Each party shall, however,
be permitted to disclose relevant aspects of the other party’s Confidential Information to its
officers, agents, subcontractors and employees to the extent that such disclosure is reasonably
necessary for the performance of its duties and obligations under this Agreement; provided,
however, that such party shall take all reasonable measures (including in the case of any
disclosure to third parties receipt of a valid, executed non-disclosure agreement with such
third party consistent with this Agreement) to ensure that Confidential Information of the
other party is not disclosed or duplicated in contravention of the provisions of the
Agreement by such officers, agents, sub contractors, and employees.
	 
	 	 	The obligations in this Section 2 shall not restrict any disclosure by either party pursuant
to any applicable state or federal laws, or by order of any court or government agency
(provided that the disclosing party shall give prompt notice to the non-disclosing party of
such order) and shall not apply with respect to information which (1) is independently
developed by the other party without violating the disclosing party’s proprietary rights, (2)
is or becomes publicity known (other than through unauthorized disclosure), (3) is
intentionally disclosed by the owner of such information to a third party free of any
obligation of confidentiality, (4) is already known by such party without an obligation of
confidentiality other than pursuant to this Agreement or of any confidentiality agreements
entered into before the affective date of this Agreement as evidenced by the written records
of such party, or (5) is rightfully received by a party free of any obligation of
confidentiality.
	 
	 	 	The parties agree that they shall abide by the provisions of the Gramm-Leach-Bliley Act
(“GLB”) and other applicable privacy laws and shall each establish commercially reasonable
controls to ensure the confidentiality of the Confidential Information and to ensure that the
Confidential Information is not disclosed contrary to the provisions of this Agreement, GLB
or any other applicable privacy laws and regulations. Without limiting the foregoing, each
party shall implement such physical and other security measures as are necessary to (i)
ensure the security and confidentiality of the Confidential Information (ii) protect against
any threats or hazards to the security and integrity of the Confidential Information and
(iii) protect against any unauthorized access to or use of the Confidential Information.
Each party shall have the right, during regular office hours and upon reasonable notice to
audit the other party to ensure compliance with the terms of this Agreement. GLB and other
privacy laws and regulations.
	 
	3.	 	Company agrees that during the term of this Agreement and following its termination,
Company shall not solicit
any customer of Agency who purchases any product from the Company under this Agreement or under
any previous agreement between Company and Agency or affiliates of Agency for any additional product or
service without







					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 1 of 13
	 	 






 









 









	 	 	Agency’s prior written consent; provided, however, that Company may offer additional product or
services to any such customers who become a customer of the Company through another agency
relationship.
	 
	4.	 	Status and Authority of Agency






	 	a.	 	Agency is an independent contractor, not an employee of Company, and has retained its right to
exercise exclusive and independent control of its time, energy and skill in the conduct of its
business.
	 
	 	b.	 	Agency is authorized to solicit applications for those life and health insurance products
issued by the Company that are listed on the attached Schedule pages; and to collect initial policy
premiums and account deposits, and such other premiums as may be specifically authorized by the
Company.






	5.	 	Agency has no authority to:






	 	a.	 	Make, alter or discharge any policy;
	 
	 	b.	 	Extend the time for payment of premiums;
	 
	 	c.	 	Waive or extend any policy provision;
	 
	 	d.	 	Incur any liability or expense on behalf of Company;
	 
	 	e.	 	Receive any money due or to become due to Company except initial policy premiums and account
deposits and other such premiums as may be specifically authorized by the Company.






	6.	 	Agency shall promptly submit applications and remit premiums and deposits to Company at its
Home Office.
	 
	 	 	Agency shall be responsible to Company for the fidelity and acts of Agency
representatives. Agency is responsible for ensuring that no business is solicited by any
representative until that representative is authorized to represent the Company according to
the applicable state regulations and after the Agreement effective date. Compensation is earned
on premiums received after the Agency is appointed with the Company.
	 
	7.	 	Agency shall not pay or allow, or offer to allow, as an inducement to any person to insure
or enroll, any illegal rebate of premium or other consideration due, or any other inducement
not specified in the policy; nor make any misrepresentations or incomplete comparison for the
purpose of inducing a policyholder in any other company to lapse, forfeit or surrender
insurance.
	 
	8.	 	Agency shall not use any sales material, illustrations or advertisement in which Company or
its products is identified, unless it is provided to Agency by Company or the written consent of
Company is obtained. Neither party shall use the other party’s name or mark in any advertising,
written sales promotion, press releases or other publicity matters relating to this Agreement
without the other party’s written consent.
	 
	9.	 	The parties shall cooperate with each other to resolve customers’ complaints and disputes
fairly and promptly.
Each party shall promptly notify the other party, in writing, if it receives notice of any
written customer complaint or any threatened or pending regulatory investigation or any
judicial or administrative proceeding, civil action or arbitration (each a “Proceeding”)
involving any policy marketed under this Agreement or any activity in connection with any such
policy. Each party shall furnish such other information relating to the Proceeding as the
other party reasonably requests.
	 
	10.	 	Without liability to the Agency, the Company may withdraw from doing business in any
jurisdiction, and may at its discretion withdraw, substitute, add or change rates on any plan
or plans.
	 
	11.	 	Except as expressly provided herein, this Agreement may only be amended by a writing signed by all
parties.
	 
	12.	 	Each party shall indemnify, defend and hold harmless the
other party, its affiliates and
their respective directors, officers, employees and agents (collectively “Indemnified
Parties”) against any and all claims, suits, hearings, actions, damages of any kind,
liability, fines, penalties, costs, losses or expenses, including
reasonable attorney’s fees,
caused by or resulting from: (i) any negligence, error, omission, misconduct or other
unauthorized act by the indemnifying party or its employees or
representatives, including but
not limited to independent contractors engaged by the indemnifying party to perform any of its
duties under this Agreement, and (ii) any breach by the indemnifying party of any of its
representations, or obligations under this Agreement.
	 
	 	 	After receipt by an indemnified party of notice of the commencement of any action with respect
to which a claim will be made against an indemnifying party, such indemnified party shall
notify the indemnifying party promptly in writing of the commencement of the action. The
failure to so notify the indemnifying party shall not relieve the indemnifying party from any
liability which it may otherwise have to any indemnified party
except, and to the extent, the
indemnifying party is prejudiced thereby. In any such action where the indemnified party has
given the notice described in this Section 12, the indemnifying party shall be entitled to
participate in and, at its option, to assume defense of the action. After notice to such
indemnified party that the indemnifying party has elected to assume
defense of the action, the
indemnifying party shall not be liable to such indemnified party for any legal
or other expenses subsequently incurred by such indemnified party in connection with the
defense other than reasonable costs of investigation.
	 
	13.	 	This Agreement shall be governed by and construed in accordance with the laws of the state
of Washington.





LSA-900 03/2006





Page 2 of 13











 





Compensation/Assignment





	1.	 	The Company may establish a reasonable minimum amount for compensation payments. If the amount
due is less than such sum, the balance will be carried forward to the next payment date until the
minimum amount is reached.
	 
	2.	 	Undistributed compensation in the hands of Company and its affiliates may be applied at any
time to and as an offset on any due and unpaid obligations of Agency to Company and its
affiliates. If compensation owed by Agency to Company exceeds compensation payable to Agency, then
Agency will immediately repay Company compensation owed to Company upon notice to Agency by
Company.
	 
	3.	 	Neither this Agreement, nor any of the benefits to accrue hereunder, shall be assigned or
transferred, either in whole or in part by Agency, without prior written consent of the Company,
except in the case of an assignment or transfer to a properly licensed affiliate of Agency. To the
extent that any duties and responsibilities under this Agreement are delegated to an agent or
other subcontractor of either party, the delegating party shall remain responsible for all acts or
omissions of any delegate and shall take reasonable steps to ensure that such agents and
subcontractors adhere to the provisions of this Agreement
	 
	4.	 	Company at any time, by written notice to Agency may change the compensation allowed under
this Agreement as to new business effective on or after the date of such notice.
	 
	5.	 	If Company returns any portion of the premiums on a policy previously issued, Agency will pay
to Company the compensation previously received with respect to the returned premiums, not to
exceed the amount paid to Agency.
In addition, Agency will refund to Company compensation on canceled insurance, and on
reductions in premiums, at the same rate as those on which compensation was originally
received.
	 
	6.	 	Company will pay Agency both Base Commissions and Special Marketing Allowance (SMA) in
accordance with the usual payment cycle for compensation payments.





Termination





	1.	 	Commissions, sales fees, service fees, trails and any other compensation shall be payable
after this Agreement has been terminated on contracts sold by Agency prior to such termination in
accordance with the applicable schedules, subject to any offset on any due and unpaid obligation
to the Company and affiliates. Payment of any compensation will be
subject to all terms and
conditions of the Schedule(s) in effect at the time a contract was issued and provided Agency
maintains its continuing status as the servicing Agency.

	 
	2.	 	Except as otherwise provided, this Agreement may be terminated without cause by either of
the parties hereto by giving thirty (30) days’ prior written notice to the other party.
	 
	2.	 	This Agreement shall terminate immediately and the Agency shall forfeit any and all
compensation accruing hereunder, if any of the following acts are committed by the Agency
representatives (but not including acts committed by individual Agency representatives acting
without the knowledge and approval of Agency):






	 	a.	 	Withholding any property belonging to the Company after demand for its relinquishment has
been made by the Company;
	 
	 	b.	 	Willfully misappropriating funds belonging to the Company;
	 
	 	c.	 	Committing any other fraudulent act against the Company or its policyholders;
	 
	 	d.	 	Doing any act which results in having the required license to
act as an insurance agent
or broker canceled by any state insurance department;
	 
	 	e.	 	Encouraging Company customers to replace their Company products through systematic
campaigns of replacement evidenced by written memoranda, instructions, sales guides, or
incentive compensation designed to encourage such replacement; and
	 
	 	f.	 	Making any representation or doing any act injuring the business or reputation of the
Company.





THE FAILURE OF EITHER PARTY TO ENFORCE ANY PROVISION OF THIS AGREEMENT SHALL NOT

CONSTITUTE A WAIVER BY EITHER PARTY OF ANY SUCH PROVISION. THE PAST WAIVER OF A
 PROVISION BY
EITHER PARTY SHALL NOT CONSTITUTE A COURSE OF CONDUCT OR A WAIVER IN

THE FUTURE OF THAT SAME PROVISION.




					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 3 of 13
	 	 





 









 





Symetra
Life Insurance Company

Annuity Base Commission Schedule Terms




Terms





	1.	 	Commissions
	 
	 	 	Base commission for premiums will be paid in accordance with the Schedule(s) in effect at the
time the business is approved by the Company.
	 
	 	 	Unless pre-approved by the Company, premium is limited to a maximum deposit of $1 million per
product and per policyowner, in any one policy or combination of policies within a 12 month
period for the Symetra Annuities products offered in the commission
schedule(s). A policy
with joint owners is considered to have only one policyowner for purposes of this provision.
Company reserves the right to decline any premium submitted without pre-approval. Commission
will be paid at the stated commission rate in Payment Schedule, and may be reduced on premium
submissions of $1 million or more.

	 
	2.	 	Change of Servicing Agent
	 
	 	 	Requests for change of servicing agent submitted by a Contractholder may be granted if it
appears to be in the best interest of the Contractholder and the Company. A change will
transfer the right to receive commissions to the new servicing agent.
Contracts, for which an
agent cannot be located, within a reasonable amount of time, will be converted to Agency
accounts.





Definitions





	1.	 	Premiums
	 
	 	 	Continuing premiums are ongoing premiums expected to be paid each Contract year. Single
sum premiums are premiums which are not ongoing in nature. They may be transfers from another
contract or insurance carrier, including trustee-to-trustee transfers, rollovers, and
exchanges, but they do not include internal transfers between Company products.
	 
	2.	 	Attained Age
	 
	 	 	Attained age is determined as of the date Company receives premium. For products with joint
owners, attained age will be determined using the birth date of the older owner. For annuity
contracts that are owned by a non-natural person, attained age will be determined using the
birth date of the annuitant, or using the birth date of the older annuitant in the case of joint
annuitants.
	 
	3.	 	Distribution Charge Period (DCP)
	 
	 	 	DCP is the time during which distribution charges apply as described in the Contract
	 
	4.	 	Trail
	 
	 	 	Trail commission is compensation based on Contract value. Trail will discontinue when
Contract value is zero.






					
	 	 	 	 	 
	LSA-900 03/2006
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Symetra Life Insurance Company

Annuity Base Commission Schedule




Symetra Advantage Income





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Single premium, fixed immediate annuity
	 
	 	•	 	$10,000 minimum purchase payment
	 
	 	•	 	Withdrawals from Symetra Advantage income are not allowed





Payment Schedule



Subject to
the applicable conditions specified below, base commissions as a percentage of premiums
will be paid as follows:




     All
premiums — [***]%



Repayment of Commissions



Agency
will repay Company commissions, not to exceed amount paid to Agency, under the
following condition.



Premiums returned to the Contractholder



If
benefits have been paid, the amount returned to the Contractholder will be premium minus
benefits paid. Agency will repay commissions paid on the premiums returned.



Repayments under this schedule will be netted against any commissions owed to Agency by
Company under other product Schedules.



Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 5 of 13
	 	 



















 





Symetra Life Insurance Company

Annuity Base Commission Schedule




Symetra Select Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum Initial premium of $10,000 with additional optional minimum premiums of $250 within first
twelve months of contract





Payment Schedule




Subject to the applicable conditions specified below, base commissions as a percentage of premiums
will be paid as follows:




All
premiums for individuals age 85 and under — [***]%




Trail commission will be paid monthly, at an annual rate of [***] basis points of contract value
beginning immediately.



Repayment of Commissions




Agency will repay Company commissions, not to exceed amount paid to Agency, under the following
conditions.




	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to the Contractholder, not including premiums which are considered to be
withdrawn as part of a withdrawal or annuitization, Agency will repay commissions paid on the
premiums returned.
	 
	2.	 	Withdrawals from the Symetra Select Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay commissions paid on the
amount withdrawn.






Provision 2 will not apply to:




	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a free-withdrawal provision
(excluding the bailout) or after all surrender penalties have expired;
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a period of at least five
years.





Repayments under this schedule will be netted against any commissions owed to Agency by Company
under other product Schedules. For purposes of processing repayments, withdrawals will be
considered deducted from the Contract in the following order:




	 	1.	 	First from first-year continuing premiums and increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.





The repayment provisions under this provision will not apply to trail commissions.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 6 of 13
	 	 







 









 





Symetra Life Insurance Company

Annuity Base Commission Schedule




Symetra Secure Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum Initial premium of $10,000 with additional optional minimum premiums of $250 within first
twelve months of contract





Payment Schedule




Subject to the applicable conditions specified below, base commissions as a percentage of premiums
will be paid as follows:




All
premiums for individuals age 85 and under — [***]%




Trail
commission will be paid monthly, at an annual rate of [***] basis points of contract value
beginning immediately.



Repayment of Commissions




Agency will repay Company commissions, not to exceed amount paid to Agency, under the following
conditions.




	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to the Contractholder, not including premiums which are considered to be
withdrawn as part of a withdrawal or annuitization, Agency will repay commissions paid on the
premiums returned.
	 
	2.	 	Withdrawals from the Symetra Secure Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay commissions paid on the
amount withdrawn.






Provision 2 will not apply to:




	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a free-withdrawal provision
(excluding the bailout) or after all surrender penalties have expired;
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a period of at least five
years.





Repayments under this schedule will be netted against any commissions owed to Agency by Company
under other product Schedules. For purposes of processing repayments, withdrawals will be
considered deducted from the Contract in the following order:




	 	1.	 	First from first-year continuing premiums and increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.





The repayment provisions under this provision will not apply to trail commissions.




 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.



 
					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 7 of 13
	 	 





 









 





Symetra Life Insurance Company

Annuity Base Commission Schedule




Symetra Custom Fixed Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum Initial premium of $10,000 with optional subsequent minimum premiums of $1,000 within
first twelve months of contract





Payment Schedule




Subject to the applicable conditions specified below, base
commission as a percentage of premiums
will be paid as follows:




All premiums for individuals age:


85
and under — [***]%

86 through 90 — [***]%





Trail
commission will be paid monthly, at an annual rate of [***] basis points of contract value
beginning immediately.



Repayment of Commissions




Agency will repay Company commissions, not to exceed amount paid to Agency, under the following
conditions.




	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to the Contractholder, not including premiums which are considered to be
withdrawn as part of a withdrawal or annuitization, Agency will repay commissions paid on the
premiums returned.
	 
	2.	 	Withdrawals from the Symetra Custom Fixed Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay commissions paid on the
amount withdrawn.







	 	Provision 2 will not apply to:
	 
	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a free-withdrawal provision
(excluding the bailout) or after all surrender penalties have expired;
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a period of at least five
years.





Repayments under this schedule will be netted against any commissions owed to Agency by Company
under other product Schedules. For purposes of processing repayments, withdrawals will be
considered deducted from the Contract in the following order:




	 	1.	 	First from first-year continuing premiums and increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.





The repayment provisions under this provision will not apply to trail commissions.




 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 8 of 13
	 	 






 









 





Symetra Life Insurance Company

Annuity Special Marketing Allowance (SMA) Schedule




Symetra Advantage Income





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Single premium, fixed immediate annuity
	 
	 	•	 	$10,000 minimum purchase payment
	 
	 	•	 	Withdrawals from Symetra Advantage Income are not allowed





Payment Schedule




Subject to the applicable conditions specified below, SMA as a percentage of new premiums will be
paid as follows:


All premiums — [***]%


Repayment of SMA


Agency will repay Company the SMA, not to exceed amount paid to Agency, under the following
condition.



Premiums returned to the Contractholder 



If benefits have been paid, the amount returned to the Contractholder will be premium minus
benefits paid. Agency will repay the SMA on the premiums returned.



Repayments under this schedule will be netted against any commissions owed to Agency by Company
under other product Schedules.




 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 9 of 13
	 	 




 











 





Symetra Life Insurance Company

Annuity Special Marketing Allowance (SMA) Schedule




Symetra Select Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum initial premium of $10,000 with additional optional minimum premiums of $250 within
first twelve months of contract





Payment Schedule



Subject to the applicable conditions specified below, SMA as a percentage of new premiums will be
paid as follows:




     All
premiums for individuals age 85 and under — [***]%



Repayment of SMA



Agency will repay CompanySMA, not to exceed amount paid to Agency, under the following
conditions.





	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to
the Contractholder, not including premiums which are considered to be withdrawn as part of a
withdrawal or annuitization. Agency will repay the SMA paid on the premiums returned.
	 
	2.	 	Withdrawals from the Symetra Select Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay the SMA paid
on the amount withdrawn.






	 	 	 	Provision 2 will not apply to:






	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a
free-withdrawal provision (excluding the bailout) or after all surrender penalties
have expired;
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a
period of at least five
years.




Repayments under this schedule will be netted against any commissions owed to Agency by
Company under other product Schedules. For purposes of processing repayments, withdrawals will
be considered deducted from the Contract in the following order:





	 	1.	 	First from first-year continuing premiums and increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.






					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 10 of 13
	 	 







 









 








Symetra Life Insurance Company

Annuity Special Marketing Allowance (SMA) Schedule




Symetra Secure Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum initial premium of $10,000 with additional optional minimum premiums of $250 within
first twelve months of contract





Payment Schedule



Subject to the applicable conditions specified below, SMA as a percentage of new premiums
will be paid as follows:




     All
premiums for individuals age 85 and under — [***]%



Repayment of SMA



Agency will repay Company the SMA, not to exceed amount paid to Agency, under the following
conditions.





	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to the Contractholder, not including premiums which are
considered to be withdrawn as part of a withdrawal or annuitization, Agency will repay the
SMA paid on the premiums returned.
	 
	2.	 	Withdrawals from the Symetra Secure Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay the SMA paid
on the amount withdrawn. ‘






	 	 	 	Provision 2 will not apply to:






	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a
free-withdrawal provision (excluding the bailout) or after all surrender penalties have
expired;
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a
period of at least five years.




Repayments under this schedule will be netted against any commissions owed to Agency by Company
under other product Schedules. For purposes of processing repayments, withdrawals will be
considered deducted from the Contract in the following order:





	 	1.	 	First from first-year continuing premiums and increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.






 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 11 of 13
	 	 






 









 











Symetra Life Insurance Company

Annuity Special Marketing Allowance (SMA) Schedule




Symetra Custom Fixed Annuity





	 	•	 	Qualified and Non-qualified contracts
	 
	 	•	 	Modified single premium, fixed deferred annuity
	 
	 	•	 	Minimum initial premium $10,000 with optional subsequent minimum premiums of $1,000 within
first twelve months of contract





Payment Schedule



Subject to the applicable conditions specified below, SMA as a percentage of new premiums
will be paid as follows:




     All premiums for individuals age 90 and under — [***]%



Repayment of SMA



Agency will repay Company commissions, not to exceed amount paid to Agency, under the following
conditions.





	1.	 	Premiums returned to the Contractholder or Certificateholder
	 
	 	 	If premiums are returned to the Contractholder, not including premiums which are
considered to be withdrawn as part of a withdrawal or annuitization, Agency will repay
commissions paid on the premiums returned.
	 
	2.	 	Withdrawals from the Symetra Custom Fixed Annuity
	 
	 	 	If withdrawals are taken during the first Contract year, Agency will repay commissions
paid on the amount withdrawn.






	 	 	 	Provision 2 will not apply to:






	 	1.	 	Non-commissionable transfers between Company products;
	 
	 	2.	 	Withdrawals where no surrender penalties were applied, such as under a
free-withdrawal provision (excluding the bailout) or after all surrender penalties
have expired; 
	 
	 	3.	 	Death benefit payments or hospital and nursing home waiver
payments; or
	 
	 	4.	 	Payments made under a settlement option which are payable for life, or a
period of at least five years.




Repayments under this schedule will be netted against any commissions owed to Agency by
Company under other product Schedules. For purposes of processing repayments, withdrawals will
be considered deducted from the Contract in the following order:





	 	1.	 	First from first-year continuing premiums and
increases;
	 
	 	2.	 	Second from single sum premiums; and
	 
	 	3.	 	Third from commissionable transfers and rollovers.






 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 12 of 13
	 	 





 









 











Symetra Life Insurance Company

Annuity Base Commission Schedule




Payment Schedule



Subject to the applicable conditions specified below,
commissions will be paid as follows on internal
transfers:



Transfer from: Advantage I, Advantage II, Advantage III, Custom, Mainsail, Preference, Preference
FP, QPA I, QPA II, Resource A, Resource B, Secure, Select, Spinnaker Advisor, Spinnaker Choice,
Spinnaker Plus, Spinnaker Q/NQ, and Symetra Group Variable Annuity:




     Product must be out of CDSC.


Transfer to Symetra Custom Fixed Annuity, Symetra Secure Fixed Annuity, Symetra Select Fixed
Annuity, or Preference FP:



Trail commission will be paid monthly, at an annual rate of [***] basis points of contract
value beginning immediately if the “from” product is less than 10 years old.



Trail commission will be paid monthly, at an annual rate of [***] basis points of contract
value beginning immediately if the “from” product is over than 10 years old.



New product will start a new CDSC schedule. No like for like product transfers are
allowed.



Transfer from: American States Annuities, ERA, PAR, Preference EIA, QPA III, QPA III Plus, QPA IV,
QPA V, QPA V Plus, QPA VI, Safekey EIA, Safekey I, Safekey II, Safekey III, TAP, and WAMU
Annuities:




     Product must be out of CDSC.


Transfer to: Symetra Custom Fixed Annuity, Symetra Secure Fixed Annuity, Symetra Select Fixed
Annuity, or Preference FP:





Full compensation will be paid according to the terms and conditions of the current base
annuity schedule for that product.




New
product will start a new CDSC schedule. No like for like product transfers are allowed.


 






Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	LSA-900 03/2006
	 	Page 13 of 13
	 	 





 











 





Symetra Life Insurance Company

Annuity Base Commission Schedule




Payment Schedule




Subject to the applicable conditions specified below, commissions will be paid as follows on
internal transfers:



From product is Advantage I, Advantage II,
Advantage III, Custom, Mainsail, Preference, Preference
FP, QPA I, QPA II, Resource A, Resource B, Secure, Spinnaker Advisor, Spinnaker Choice, Spinnaker
Plus, Spinnaker Q/NQ, and Symetra Group Variable Annuity:




Product must be out of CDSC.




To product is FSFP Solutions Plus, Symetra Custom Fixed Annuity, Symetra Secure Fixed Annuity,
Symetra Select Fixed Annuity, Symetra Fixed Indexed Annuity, Symetra Flex Premium Plus, or
Preference FP:




Trail commission will be paid monthly, at an annual rate of [***] basis points beginning immediately
if the “from” product is less than 10 years old.




Trail commission will be paid monthly, at an annual rate of [***] basis points beginning immediately
if the “from” product is over than 10 years old.




New product will start a new CDSC schedule. No like for like product transfers are allowed.



From product is American States Annuities, ERA, PAR, Preference EIA, QPA III, QPA III Plus, QPA IV,
QPA V, QPA V Plus, QPA VI, Safekey EIA, Safekey I, Safekey II, Safekey III, TAP, and WAMU
Annuities:




Product must be out of CDSC.




To product is FSFP Solutions Plus, Symetra Custom Fixed Annuity, Symetra Secure Fixed Annuity,
Symetra Select Fixed Annuity, Symetra Fixed Indexed Annuity, Symetra Flex Premium Plus, or
Preference FP:




Full compensation will be paid according to the terms and conditions of your current base annuity
schedule for that product.




New product will start a new CDSC schedule. No like for like product transfers are allowed.



From product is Select:





Product must be out of CDSC.




To product is Symetra Custom Fixed Annuity:




Full compensation will be paid according to the terms and conditions of your current base annuity
schedule for that product.




New product will start a new CDSC schedule. No like for like product transfers are allowed.



THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING WRITTEN

NOTICE. THIS SCHEDULE SUPERSEDES ANY PREVIOUS INTERNAL TRANSFER SCHEDULE OR PROVISIONS.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	 
	 	 	 	STAT #: 19-17-9121
	LSA-634c_WMF 10/2006
	 	Page 1 of 1
	 	SSN/TAX ID #: 33-0339296
	 
	 	 	 	DOC CODE: AMD
	 
	 	 	 	NAME: LSA-634c_WMF Addendum
	 
	 	 	 	# OF PGS: 1/1







 









 











Addendum to Agency Agreement

Effective 02/22/07




Symetra Life Insurance Company

Life Commission Schedule Endorsement

Financial Institution

Individual Life Policies




Box checked indicates the products to be distributed through this agreement.




o Symetra Term Life




	 	 	 
	 	 	Commission
	 	 	Percentage
	10 Yr level Term

	 	[***]% of Annual Premium less policy fee
	15 Yr level Term

	 	[***]% of Annual Premium less policy fee
	20 Yr level Term

	 	[***]% of Annual Premium less policy fee
	30 Yr level Term

	 	[***]% of Annual Premium less policy fee






o Symetra Accelerated Universal Life




	 	 	 	 	 	 	 	 	 	 	 
	 	 	Commission Percentage on	 	Life Expense Allowance	 	 
	Age	 	Annual Premium	 	(Over-ride)	 	Total Payout
	 
	 	 	 	 	 	 	 	 	 	 
	First Year
	 	 	 	 	 	 	 	 	 	 
	0-80

	 	[***]% premium up to 1st Annual Target
	 	[***]% of Commission
	 	[***]% up to Target

	0-80

	 	[***]% on Premium over Target
	 	[***]% of Commission
	 	[***]% of Premium over Target

	Renewal
	 	 	 	 	 	 	 	 	 	 
	0-80

	 	[***]% of Premium
	 	[***]% of Commission
	 	[***]% of Premium

	Service Fee Period

	 	Percentage of Premium
	 	 	 	 	 	 
	7th & subsequent policy years

	 	[***]%	 		 	n/a
	 	[***]%		







	•	 	Life Expense Allowance (over-ride): Paid on Accelerated UL first year and renewal commissions.
Over-ride is equal to [***]% of the base commission.
	 
	•	 	Term Riders on Accelerated Universal Life — First Year & Renewal Commissions

2nd through 6th policy years Same Rate as Base Policy






	 	 	 	 	 
	SUPPLEMENTAL BENEFITS	 	Available With	 	Commission
	Accidental Death Benefit

	 	Term life, Accelerated Universal Life
	 	Same First-Year Rate as Base Policy
	Waiver of Premium

	 	Term life, Accelerated Universal Life
	 	Same First-Year Rate as Base Policy
	Insured Children’s Benefit

	 	Term life, Accelerated Universal Life
	 	50% of premium






Not all products are filed in all states. Contact your local SYMETRA office for further
information.



THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN
NOTICE.



Agency is responsible for ensuring that no business is
solicited by any representative until that
representative is authorized and appointed to represent Company.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	 
	 	 	 	STAT#: 19-17-9121
	LSA-653 8/2006
	 	Page 1 of 1
	 	SSN/TAX ID #: 33-0339296
	 
	 	 	 	DOC CODE: AMD
	 
	 	 	 	NAME: 538 653 650 LSA PGS
	 
	 	 	 	# OF PGS: 3 pgs total






 









 







Addendum to Agency Agreement

Effective 02/22/07




Symetra Life Insurance Company

Simplified Issue Life Insurance Commission Schedule Endorsement

Financial Institutions




Basic First-Year Commissions




	 	 	 	 	 
	TERM POLICIES AND RIDERS
	 	 	 	 
	Simplified Issue
	 	 	 	 
	 
	 	 	 	 
	SYMETRA TERM LIFE INSURANCE
	 	 	 	 
	10-Year and 20-Year Level Term
	 	 	[***]	%
	 
	 	 	 	 
	SUPPLEMENTAL BENEFITS
	 	 	 	 
	Accidental Death and Waiver of Premium
	 	Same First-Year Rate as Base Policy	 
	Insured Children’s Benefit
	 	 	[***]	%






Basic Renewal Commissions 2nd through 4th Policy Year




TERM POLICIES AND RIDERS




	 	 	 	 	 
	2nd policy year
	 	 	[***]	%
	3rd policy year
	 	 	[***]	%
	4th policy year
	 	 	[***]	%
	5th and later policy year
	 	 	[***]	%






Not all products are filed in all states. Contact your local Symetra office for further
information.



THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN
NOTICE.



Agency is responsible for ensuring that no business is
solicited by any representative until that
representative is authorized and appointed to represent Company.



 





Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	 
	 	 	 	 
	LSA-650 10/2006
	 	Page 1 of 1
	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 
	 	 	 	 







 











 





Symetra Life Insurance Company

Annualized Commissions Endorsement

For Financial Institutions

Individual Life Policies




Obligation





	1.	 	Agency agrees to pay Company, on demand, the amount of any advances hereunder then
remaining unearned by Agency and/or any sub-Agency supervised by Agency.
	 
	2.	 	As security for repayment, Agency grants Company a security interest in each of the following
(hereafter collectively referred to as the “collateral”):






	 	a.	 	rights to all future commissions due from Company and proceeds from the sale or
other disposition of the commissions.






Agency authorizes Company, at any time it deems itself insecure, to receive and retain all
such collateral until the advances have been repaid.




	3.	 	Upon termination of Agency Agreement, the commuted value of all future Life and Health
commissions, as determined by Company, may at the discretion of Company, be applied to offset
advances owned by Agency and/or any sub-Agency supervised by Agency. Upon receiving written
notice from Company that such action has been taken, Agency will immediately pay Company the
balance of advances remaining unearned by Agency and/or any sub-Agency supervised by Agency.





Exclusions



The following Individual Life policies are not eligible for annualized commission advances:





	1.	 	Symetra’s Flexible Premium Variable Life policies.
	 
	2.	 	Other policies as the Company may designate.





Payment Schedule




Payment



Subject to Company requirements and the requirements of this endorsement a portion of certain
basic first-year commissions may be paid in advance of the date of receipt of premiums on which
they are to be computed.




Calculations





	1.	 	The following schedule shall apply in computing the amount of basic first-year commission
(including advances) to be paid for eligible policies:





	 	 	 	 	 
	Mode of Payment of First-Year Premium	 	Basic First-Year Commission (Including Advances) To Be Paid
	Semi-Annual

	 	[***]
	 	Commission on Minimum Semi-Annual Premium
	Quarterly

	 	[***]
	 	Commission on Minimum Quarterly Premium
	List Bill Lifeco-Matic, Payroll Deduction, EFT,
Credit Card & Direct

	 	[***]
	 	Commission on Minimum Monthly Premium







	2.	 	The Company will advance the lesser of the amount annualized according to the mode of payment
listed above, or $5,000 of basic first-year commission per eligible policy




THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY OR AGENCY AT ANY TIME BY PROVIDING
WRITTEN NOTICE.



The provisions of this endorsement supersede any provisions of prior LSA-114 and LSA-289
endorsements.



Agency is responsible for ensuring that no business is solicited by any representatives until
that representative is authorized to represent the Company and this
endorsement is in effect.




Endorsement Effective Date: 4-1-2007

Agency Name: WMFS Ins. Svcs.
Inc.     Stat Number: 19-17-9121




 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	LSA-538 10/2005
	 	Page 1 of 1
	 	 
















 






AMENDMENT



This Amendment to the Agency Agreement is effective as of March 26, 2007.



The following provisions are added to the Payment Schedule for the Symetra Custom Fixed Annuity:





Subject to the applicable conditions specified in LSA 900, increased base commissions
as a percentage of premiums will be paid on premiums received by the Company by July 16,
2007, on Custom production by each Agency representative who submits in good order
applications dated between March 26, 2007 and April 30, 2007 (“Special Application
Period”) and received by May 7, 2007 for which premiums received total a minimum of
$[***] as of July 16, 2007, as follows:




For individuals age:


85 and under — [***]%

86 through 90 — [***]%



Payment for this program will be made separately from the current commission payment schedule and
will be paid out one time no later than August 10, 2007.



All other provisions of the Agency Agreement remain unchanged.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.













 








Amendment to Agency Agreement

Symetra Life Insurance Company

Symetra Select Fixed Annuity Special Marketing Allowance Schedule



This schedule supersedes any previous version of the Symetra Select Fixed Annuity Special Marketing
Allowance Schedule, effective as of July 17, 2007.




ADDITIONAL DEFINITIONS:



The following definitions apply to this schedule for purposes of paying special marketing allowance
for sales of Symetra Select Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this determination.
If purchase payment requires funding from multiple 1035 exchanges, the date on which the first
exchange is completed will be used for this determination. If joint Owners are named in the
Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.




SPECIAL MARKETING ALLOWANCE (SMA):



Company shall pay WMFS Insurance Services Inc. for the sales of Symetra Select Fixed Annuity
Contracts the following SMA:





	 	•	 	[***]% on all purchase payments received by Company through the first Contract year* for
Attained Ages up to and including age 85







 




			
	*	 	Minimum initial purchase payment must be at least $50,000





CHARGEBACKS:



In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then charge backs will be made against all SMA paid with respect to such Contract.



In the event of a partial withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged back SMA paid on the amount that exceeds 10% of such Contract’s Policy
Value. In the event of a full withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged back all SMA paid with respect to such Contract. The chargeback will be
waived if the withdrawal:





	 	•	 	Does not exceed the amount withdrawn under the 10%-Free Withdrawal provision of
the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing
home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code
Section 72(t) or 401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for
non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-961j 07/2007 Select2
	 	Page 1 of 1
	 	WMFS Ins Serv Inc. (Stat 19-17-9121)



















 





Amendment to Agency Agreement

Symetra Life Insurance Company

Symetra Select Fixed Annuity Compensation Schedule




This schedule supersedes any previous version of the Symetra Select Fixed Annuity Compensation
Schedule, effective as of July 17, 2007.



ADDITIONAL DEFINITIONS:




The following definitions apply to this schedule for purposes of paying compensation for sales of
Symetra Select Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this
determination. If purchase payment requires funding from multiple 1035 exchanges, the date on
which the first exchange is completed will be used for this determination. If joint Owners are
named in the Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.



COMPENSATION:




Company shall pay WMFS Insurance Services Inc. for the sales of Symetra Select Fixed Annuity
Contracts the following compensation:




	 	•	 	[***]% on all purchase payments received by Company through the first Contract year* for
Attained Ages up to and including age 85; and
	 
	 	•	 	Trail compensation equal to the equivalent of the annual rate of [***]% of the
Contracts’ Policy Value (as described in the Contracts), starting immediately and paid out
monthly.








 






			
	*	 	Minimum initial purchase payment must be at least $50,000






CHARGEBACKS:




In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then charge backs will be made against all compensation paid with respect to such
Contract.



In the event of a partial withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged back compensation paid on the amount that exceeds 10% of such Contract’s
Policy Value. In the event of a full withdrawal within twelve (12) months from a Contract’s issue
date, Agency will be charged back all compensation paid with respect to such Contract. The
chargeback will be waived if the withdrawal:




	 	•	 	Does not exceed the amount withdrawn under the 10%-Free Withdrawal provision of the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code Section
72(t) or 401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




					
	 	 	 	 	 
	LSA-961h 07/2007 Select2
	 	Page 1 of 1
	 	WMFS Ins Serv Inc. (Stat 19-17-9121)






 









 






ADVANCED COMMISSIONS AGREEMENT FOR FIXED PRODUCTS




This Amendment of the Agency/Sales Agreement (“Amendment”) is made and entered into by
Symetra Life Insurance Company (“Company”) and Wamu Investments, Inc. (“Agency”), and is
effective as of December 18, 2007.



RECITALS




Company and Agency entered into an agency/sales agreement, effective as of December 18, 2007 (the
agency/sales agreement, as subsequently amended, shall hereinafter be referred to as the “Agency
Agreement”);



Agency (or sub-agencies supervised by Agency) currently submits certain Company product applications to Company in which the purchase payments are funded via one or multiple
external transfers;



Company and Agency desire to establish the terms and conditions on which Company will pay Agency an
unearned amount equal to anticipated commissions on said applications in advance of receiving the
fully funded purchase payments (“Advanced Commissions”); and



Company
and Agency desire to amend the Agency Agreement as set forth below.



NOW, THEREFORE, in consideration of the mutual covenants and undertakings set forth herein,
Company and Agency agree as follows:



A. PRIOR AGREEMENTS OR AMENDMENTS REGARDING THE PAYMENT OF ADVANCED COMMISSIONS:




This Amendment supersedes and replaces all prior agreements or amendments regarding the payment
of Advanced Commissions.



B. PAYMENT:





	1.	 	Subject to the terms of the Agency Agreement (including this Amendment), Company
will pay Agency Advanced Commissions for each eligible Company product application
submitted by Agency (or sub-agencies supervised by Agency).
	 
	2.	 	Only Company product applications corresponding to the attached product commission
schedules will be considered eligible for payment of Advanced Commissions. However, if
Company and Agency desire to add additional eligible applications at a later date, then
Company may do so by providing written notice to Agency, which will serve as an addendum to
this Amendment.
	 
	3.	 	Advanced Commissions will be calculated on a daily basis as submitted eligible Company
product applications, in good order, are processed by Company.





	 	 	 
	LSA1000 10/2007
	1 	Agent ID: 19-17-9121
SSN/TAX ID: 33-0339296

Doc Code: AAG
Name: Adv Comm Agreement
# of Pages: 9 pgs total






 









 







	4.	 	Advanced Commissions are unearned and constitute unearned compensation by Company to Agency.
It is Agency’s obligation to repay Company the amount of Advanced Commissions then remaining
unearned by Agency and/or any sub-agency supervised by Agency. As security for repayment, Agency
grants Company a security interest in Agency’s future compensation due from Company, until
Agency’s obligation has been repaid in full.





C. EXCLUSIONS





	1.	 	Company shall not pay Advanced Commissions on any purchase payments other than the initial
purchase payments which are funded via one or more multiple external transfers and which are
listed on the product application at the time of submission.






	2.	 	Company shall not pay Advanced Commissions on any product applications submitted with
premium payments in the form checks or cash equivalents.






	3.	 	Unless otherwise specified, Company shall not pay any special marketing allowances or trail
compensation on any Company product application in advance. If a special marketing allowance
or trail compensation is applicable for a Company product sale, then those amounts will be
paid out in accordance with Agency’s non-advanced special marketing allowance and trail
compensation schedules.





D. REPAYMENT OF ADVANCED COMMISSIONS





	1.	 	Applications on which the full anticipated external transfer of funds is not received by
Company within 120 days from the date on which Advanced Commissions were paid will be
construed as unfunded.






	2.	 	Agency agrees to repay Company, on demand, the amount of any Advanced Commissions paid
which remain unearned after 120 days.






	3.	 	Company shall have the right to chargeback unearned Advanced Commissions against all
current and future compensation which has not yet been paid to Agency.





E. TERMINATION:




	1.	 	Company shall have the right to terminate this Amendment in its sole discretion, upon
providing written notice to Agency.





2. Upon termination of the Agency Agreement, this Amendment will terminate immediately.




	3.	 	Upon termination of the Agency Agreement, the commuted value of all future compensation, as
determined by Company in its sole discretion, may be applied to offset unearned Advanced
Commissions owed by Agency and/or any sub-agency supervised by Agency. Upon receiving written
demand from Company, Agency will immediately pay Company the balance of Advanced Commissions
remaining unearned by Agency and/or any sub-agency supervised by Agency.





					
	 	 	 	 	 
	LSA1000 10/2007
	 	2
	 	 






 









 






IN WITNESS WHEREOF, the parties hereto have caused this instrument to be duly executed on
the date indicated above.



	 	 	 	 	 	 	 	 	 	 	 	 
	COMPANY

Symetra Life Insurance Company	 	AGENCY

Agency Name: Wamu Investments, Inc.
	 
	 	 	 	 	 	 	 	 	 	 	 
	Signature:

	 	/s/ Patrick B. McCormick
	 	Signature:
	 	/s/ Christi Hyatt	 
	 

	 	 
	 	 	 	 	 
	 	 	Signatory:

	 	Patrick B. McCormick
	 	 	 	Signatory:
	 	Christi Hyatt	 
	 	 	Title:

	 	Sr. Vice President
	 	 	 	Title:
	 	FVP	 
	 	 	Date:

	 	12/28/2007
	 	 	 	Date:
	 	12-14-07	 






					
	 	 	 	 	 
	LSA1000 10/2007
	 	3
	 	 







 











 





Symetra Life Insurance Company

Symetra Custom 7 Fixed Annuity Advanced Commissions Schedule




DEFINITIONS: 




The following definitions apply to this schedule for purposes of paying Advanced Commissions
for submission of Symetra Custom Fixed Annuity applications (“Application(s)”):



“Advanced Commissions” means an unearned amount equal to anticipated commissions that Company
will pay to Agency on submitted Applications in advance of receiving the fully funded purchase
payments.



“Annuitant” means the person named on the application, whose birth date will be used by Company
in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the
date each purchase payment is received by Company for the Contract. If joint Owners are named
in the Contract, the birth date of the oldest Owner will be used for this determination.



“Owner”
means the person named on the application, whose birth date will be used by Company in
determining the Attained Age. If the Owner is a non-natural person (such as a business entity or
trust), then Company will use the birth date of the oldest Annuitant designated on the
application.



“Contract”
means an Application for which the purchase payment is paid to Company (all funds
have been transferred to Company) and Application is processed then issued by Company.



“Broker-of-Record” means the person designated on an Application that is able to contract
directly with the Owner and is entitled to receive compensation. More than one Broker-of-Record
may be named on each Application. In the case of Advanced Commissions payment, the
Broker-of-Record shall be the insurance licensed agency(ies) that such person(s) designates.



TERMS:



This schedule is subject to all terms of Agency’s agency/sales agreement and the advanced
commission amendment (LSA 1000a).




PAYMENT:




For each Application submitted by Agency or sub-agencies supervised by Agency, Company will
pay Advanced Commissions equal to:



	 	 	 	 	 	 	 	 	 	 	 	 	 
	Purchase payment 

amount indicated on 

submitted 

Application*

	 	x
	 	Product commission

rate
	 	x
	 	[***]%**
	 	x
	 	Any applicable
percentage split
between Agency and
other
Broker-of-Record(s)








 




			
	*	 	If Agency submits one or more Company annuity product applications for the same product within a
12-month period for the same Owner, Agency’s Advanced Commissions may be reduced in Company’s sole
discretion if the total amount of anticipated funds equals $1 million or more. An application with
joint Owners is considered to have only one Owner. Company shall have the right to decline any
application above this $1 million limit.





THIS
SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING 30 DAYS WRITTEN
NOTICE.


 
 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.



LSA-1100 07/2007 Stat 19-17-912



 









 





Company shall not pay Advanced Commissions on any purchase payments other than the initial
purchase payments which are funded via one or more multiple external transfers and which are
listed on the product application at the time of submission.





 




			
	**	 	Company shall have the right to reduce this percentage in its sole discretion, upon
providing 30 days written, notice to Agency, if Company reasonably determines, in its sole
discretion, that there are significant issues regarding recovery of the Advanced Commissions
based on applications or business received or not received by Company.





Product commission rate shall be equal to:





	 	•	 	[***]% for Attained Ages 85 and under;
	 
	 	•	 	[***]% for Attained Ages 86 to 90; plus
	 
	 	•	 	Trail compensation equal to the equivalent of the annual rate of [***]% of the
Contract’s Policy Value (as described in the contract), starting immediately and paid out monthly.





CHARGEBACKS:




In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then chargebacks of unearned Advanced Commissions paid with respect to such
Contract will be made against all current and future compensation which has not yet been paid
to Agency.



In the event of withdrawal within twelve (12) months from a Contract’s issue date, Agency will be charged
back all Advanced Commission with respect to such Contract. However, the chargeback will be
waived if the withdrawal:




	 	•	 	Does not exceed the amount available under the 10%-free Withdrawal provision of the
Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or
nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal
Revenue Code of 1986 (as amended) Section 72(t) or 401(a)(9) for qualified plans
and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under annuitization option of the Contract.





THIS
SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING 30 DAYS WRITTEN
NOTICE.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.



LSA-1100 07/2007 Stat 19-17-9121



 









 






Symetra Life Insurance Company

Symetra Secure Fixed Annuity Advanced Commissions Schedule




DEFINITIONS: 




The following definitions apply to this schedule for purposes of paying Advanced Commissions
for submission of Symetra Secure Fixed Annuity applications (“Application(s)”):



“Advanced Commissions” means an unearned amount equal to anticipated commissions that Company
will pay to Agency on submitted Applications in advance of receiving the fully funded purchase
payments.



“Annuitant” means the person named on the application, whose birth date will be used by Company
in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the
date each purchase payment is received by Company for the Contract. If joint Owners are named
in the Contract, the birth date of the oldest Owner will be used for this determination.



“Owner”
means the person named on the application, whose birth date will be used by Company in
determining the Attained Age. If the Owner is a non-natural person (such as a business entity or
trust), then Company will use the birth date of the oldest Annuitant designated on the
application.



“Contract” means an Application for which the purchase payment is paid to Company (all funds
have been transferred to Company) and Application is processed then issued by Company.



“Broker-of-Record” means the person designated on an Application that is able to contract
directly with the Owner and is entitled to receive compensation. More than one Broker-of-Record
may be named on each Application. In the case of Advanced Commissions payment, the
Broker-of-Record shall be the insurance-licensed agency(ies) that such person(s) designates.



TERMS:



This schedule is subject to all terms of Agency’s agency/sales agreement and the advanced
commission amendment (LSA 1000a).




PAYMENT:




For each Application submitted by Agency or sub-agencies supervised by Agency, Company will
pay Advanced Commissions equal to:



	 	 	 	 	 	 	 	 	 	 	 	 	 
	Purchase payment 

amount indicated on 

submitted 

Application*

	 	x
	 	Product commission

rate
	 	x
	 	[***]%**
	 	x
	 	Any applicable
percentage split
between Agency and
other
Broker-of-Record(s)








 




			
	*	 	If Agency submits one or more Company annuity product applications for the same product within a
12-month period for the same Owner, Agency’s Advanced Commissions may be reduced in Company’s sole
discretion if the total amount of anticipated funds equals $1 million or more. An application with
joint Owners is considered to have only one Owner. Company shall have the right to decline any
application above this $1 million limit.





THIS
SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING 30 DAYS WRITTEN
NOTICE.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.



LSA-1106 07/2007 Stat 19-17-9121




 











 




Company shall not pay Advanced Commissions on any purchase payments other than the
initial purchase payments which are funded via one or more multiple external
transfers and which are listed on the product application at the time of
submission.






 




			
	**	 	Company shall have the right to reduce this percentage in its sole discretion,
upon providing 30 days written notice to Agency, if Company reasonably determines,
in its sole discretion, that there are significant issues regarding recovery of the
Advanced Commissions based on applications or business received or not received by
Company.





Product commission rate shall be equal to:





	 	•	 	[***]% for Attained Ages 85 and under; and
	 
	 	•	 	Trail compensation equal to the equivalent of the annual rate of
[***]% of the Contract’s Policy Value (as described in the Contract), starting
immediately and paid out monthly.





CHARGEBACKS:



In the event that a Contract is surrendered under the “free look” provision, or
otherwise rescinded, then
chargebacks of unearned Advanced Commissions paid with respect to such Contract
will be made against all
current and future compensation which has not yet been paid to Agency.



In the event of a withdrawal within twelve (12) months from a Contract’s issue date, Agency will be charged
back all Advanced Commissions with respect to such Contract. However,
the chargeback will be waived if the withdrawal:





	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code of 1986 (as amended)
Section 72(t) or 401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.




THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING
30 DAYS WRITTEN NOTICE.







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




LSA-1106 07/2007 Stat 19-17-9121




 









 








Symetra Life Insurance Company

Symetra Select Fixed Annuity Advanced Commissions Schedule




DEFINITIONS:



The following definitions apply to this schedule for purposes of paying Advanced Commissions for
submission of Symetra Select Fixed Annuity applications (“Application(s)”):



“Advanced Commissions” means an unearned amount equal to anticipated commissions that Company
will pay to Agency on submitted Applications in advance of receiving the fully funded purchase
payments.



“Annuitant” means the person named on the application, whose birth date will be used by Company
in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the
date each purchase payment is received by Company for the Contract. If joint Owners are named in
the Contract, the birth date of the oldest Owner will be used for this determination.



“Owner” means the person named on the application, whose birth date will be used by Company in
determining the Attained Age. If the Owner is a non-natural person (such as a business entity or
trust), then Company will use the birth date of the oldest Annuitant designated on the
application.



“Contract” means an Application in which the purchase payment is paid to Company (all funds have
been transferred to Company) and Application is processed then issued by Company.



“Broker-of-Record” means the person designated on an Application that is able to contract
directly with the Owner and is entitled to receive compensation. More than one Broker-of-Record
may be named on each Application. In the case of Advanced Commissions payment, the
Broker-of-Record shall be the insurance-licensed agency(ies) that such person(s) designates.




TERMS:



This
schedule is subject to all terms of Agency’s agency/sales agreement and the advanced commission
amendment (LSA 1000a). The minimum initial purchase payment for each First Symetra Select Annuity
application must be at least $50,000.




PAYMENT:



For each Application submitted by Agency or sub-agencies supervised by Agency, Company will pay
Advanced Commission equal to:




	 	 	 	 	 	 	 	 	 	 	 	 	 
	Purchase payment
amount indicated on
submitted
Application*

	 	x
	 	Product
commission
rate
	 	x
	 	[***]%**
	 	x
	 	Any applicable
percentage split
between Agency and
other
Broker-of-Record(s)








 




			
	*	 	If Agency submits one or more Company annuity product applications for the same product within a
12-month period for the same Owner, Agency’s Advanced Commissions may be reduced in Company’s sole
discretion if the total amount of anticipated funds equals $1 million or more. An application with
joint Owners is considered to have only one Owner. Company shall have the right to decline any
application above this $1 million limit.




THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING 30 DAYS WRITTEN
NOTICE.



 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




LSA1112 07/2007 Stat 19-17-9121 Sel2





 









 







Company shall not pay Advanced Commissions on any purchase payments other than the initial
purchase payments which are funded via one or more multiple external transfers and which are listed on
the product application at the time of submission.






 




			
	**	 	Company shall have the right to reduce this percentage in its sole discretion, upon
providing 30 days written notice to Agency, if Company reasonably determines, in its sole
discretion, that there are significant issues regarding recovery of the Advanced
Commissions based on applications or business received or not received by Company.





Product commission rate shall be equal to:





	 	•	 	[***]% for Attained Ages 85 and under; plus
	 
	 	•	 	Trail compensation equal to the equivalent of the annual rate of [***]% of the
Contract’s Policy Value (as described in the Contract), starting immediately and paid out monthly.





CHARGEBACKS:



In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then
chargebacks of unearned Advanced Commissions paid with respect to such Contract will be
made against all
current and future compensation which has not yet been paid to Agency.



In the
event of a withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged
back all Advanced Commissions with respect to such Contract. However,
the chargeback
will be waived if the
withdrawal:





	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the
Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal
Revenue Code of 1986 (as amended) Section 72(t) or 401(a)(9) for qualified
plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.




THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING 30 DAYS
WRITTEN NOTICE.



 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




LSA1112 07/2007 Stat 19-17-9121 Sel2





 











 





Agent ID: 19-17-9121

SSN/Tax ID: 33-0339296

Doc Code: AMD

Name: Suitability Amendment

# of Pages: 2 pgs total




AMENDMENT




Suitability



Agency shall be primarily responsible for the suitability of Company product sales by
Agency representatives under all applicable state and federal laws, rules and regulations
(“applicable laws”), and for the training, supervision and control of Agency
representatives in connection with their solicitation activities regarding Company
products. Agency shall do each of the following:





	 	1.	 	Provide or make provisions for providing training to Agency representatives
regarding the sale of Company products, including but not limited to training on
requirements regarding suitability, replacement and anti-money laundering.
	 
	 	2.	 	Establish and maintain a system to supervise recommendations by Agency
representatives to customers, which shall be reasonably designed to achieve
compliance with all applicable laws.
	 
	 	3.	 	Establish and maintain procedures for capturing customer information which
enable the Agency to make its suitability determination in accordance with all
applicable laws, and for assuring Agency’s compliance with all applicable laws.
	 
	 	4.	 	Maintain accurate records and conduct periodic reviews of its records to verify that
Agency is in compliance with all applicable laws, and make such
records available to Company at any reasonable time upon written request.
	 
	 	5.	 	Submit to Company a certification signed by an officer of the Agency, at any
reasonable time upon written request, which certifies that Agency has a reasonable
basis to believe that it is in compliance with its policies and procedures and with
all applicable laws.
	 
	 	6.	 	Company shall have the right at its expense, upon reasonable notice to Agency,
to audit Agency records and practices in order to determine whether the Agency is in
compliance with its policies and procedures and with all applicable laws.





Complaints



1. Agency must notify Company immediately if it becomes aware of any written
or verbal complaint involving a Company product. A complaint is any communication
primarily expressing a grievance. The distinction between an inquiry and a
grievance lies in the language used and a reasonable interpretation of that
language.



2. Agency and Company shall fully cooperate with each other, in the
event of any regulatory inquiry or proceeding.




LSA 2030




 









 








Amendment to Agency/Sales Agreement

Effective as of September 15, 2008

Symetra Life Insurance Company

Symetra Custom 5 Fixed Annuity Compensation Schedule




ADDITIONAL DEFINITIONS:



The following definitions apply to this schedule for purposes of paying compensation for sales of
Symetra Custom 5 Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this determination.
If purchase payment requires funding from multiple 1035 exchanges, the date on which the first
exchange is completed will be used for this determination. If joint Owners are named in the
Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.




COMPENSATION:



Company shall pay Agency compensation for the sales of Symetra Custom 5 Fixed Annuity Contracts
based on one of the following rates:



If the one-year interest rate guaranteed period is
selected on a submitted Contract, Agency will
receive:





	 	•	 	[***]% on all purchase payments received by Company through the first Contract year
for Attained Ages up to and including 85; and
	 
	 	•	 	[***]% on all purchase payments received by Company
through the first Contract year for Attained Ages 86 through 90.




If the three-year or five-year interest rate guaranteed period is selected on a Contract, Agency
will receive:





	 	•	 	[***]% on all purchase payments received by Company through the first Contract year for
Attained Ages up to and including 85; and
	 
	 	•	 	[***]% on all purchase payments received by Company
through the first Contract year for Attained Ages 86 through 90.




Additionally, for any interest rate guaranteed period selected, Agency will receive a trail
compensation equal to the equivalent of the annual rate of 50% of the Contracts’ Policy Value (as
described in the Contracts), starting immediately and paid out monthly.




CHARGEBACKS:



In the event that a Contract is surrendered under the “free
look”, provision, or otherwise
rescinded, then charge backs will be made against all compensation paid with respect to such
Contract.




 




Portions marked [***] have been omitted pursuant
to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately
with the Securities and Exchange Commission.





					
	 
	LSA-981k 07/2008
	 	Page 1 of 2	 	Agent ID: 19-17-9121

SSN/Tax ID: 33-0339296

Doc Code: AMD

Name: Custom 5 AMD

# of Pages: 12 pgs total






 









 





In the event of a partial withdrawal within twelve (12) months from a Contract’s issue date, Agency
will be charged back compensation paid on the amount that exceeds 10% of such Contract’s Policy
Value. In the event of a full withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged
back all compensation paid with respect to such Contract. The chargeback will be waived if the
withdrawal:





	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the
Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made
after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code Section
72(t) or 401 (a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.




THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING
WRITTEN NOTICE. THIS SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE SYMETRA CUSTOM
5 FIXED ANNUITY SCHEDULE.




					
	 
	 	 	 	 
	LSA-981k 07/2008
	 	Page 2 of 2	 	WMFS Insurance Services Inc. (known in

certain states as WAMU Investments Inc.)

19-17-9121







 











 





Amendment to Agency/ Sales Agreement

Effective as of September 15, 2008

Symetra Life Insurance Company

Symetra Custom 5 Fixed Annuity Special Marketing Allowance Schedule




ADDITIONAL DEFINITIONS:




The following definitions apply to this schedule for purposes of paying special marketing allowance
for sales of Symetra Custom 5 Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this determination.
If purchase payment requires funding from multiple 1035 exchanges, the date on which the first
exchange is completed will be used for this determination. If joint Owners are named in the
Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.



SPECIAL MARKETING ALLOWANCE (SMA):




Company will pay Agency for the sales of Symetra Custom 5 Fixed Annuity Contracts the following
SMA:




	 	•	 	[***]% on all purchase payments received by Company through the first Contract year for Attained
Ages 90 and under





CHARGEBACKS:




In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then charge backs will be made against all SMA paid with respect to such Contract.



In the event of a partial withdrawal within twelve (12) months from a Contract’s issue date, Agency
will be charged back SMA paid on the amount that exceeds 10% of such Contract’s Policy Value. In
the event of a full withdrawal within twelve (12) months from a Contract’s issue date, Agency will
be charged back all SMA paid with respect to such Contract. The chargeback will be waived if the
withdrawal:




	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code Section 72(t) or
401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.





THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING WRITTEN NOTICE. THIS
SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE
SYMETRA CUSTOM 5 FIXED ANNUITY SPECIAL MARKETING ALLOWANCE SCHEDULE.




 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





	 	 	 	 	 
	LSA-981 07/2007

	 	Page 1 of 1
	 	WMFS Insurance Services Inc. (known in

certain states as WAMU Investments Inc.)

19-17-9121






 









 






Amendment to Agency/ Sales Agreement

Effective as of September 23, 2008

Symetra Life Insurance Company

Symetra Custom 5 Fixed Annuity Compensation Schedule




ADDITIONAL DEFINITIONS:




The following definitions apply to this schedule for purposes of paying compensation for sales of
Symetra Custom 5 Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this determination.
If purchase payment requires funding from multiple 1035 exchanges, the date on which the first
exchange is completed will be used for this determination. If joint Owners are named in the
Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.



COMPENSATION:




Company shall pay Agency for the sales of Symetra Custom 5 Fixed Annuity Contracts the following
compensation:




	 	•	 	[***]% on all purchase payments received by Company through the first Contract year for Attained
Ages up to and including 85;
	 
	 	•	 	[***]% on all purchase payments received by Company through the first Contract year for Attained
Ages 86 through 90; and
	 
	 	•	 	Trail compensation equal to the equivalent of the annual rate of [***]% of the Contracts’ Policy
Value (as described in the Contracts), starting immediately and paid out monthly.





CHARGEBACKS:




In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then charge backs will be made against all compensation paid with respect to such
Contract.



In the
event of a partial withdrawal within twelve (12) months from a Contract’s issue date, Agency
will be charged back compensation paid on the amount that exceeds 10% of such Contract’s Policy
Value. In the event of a full withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged back all compensation paid with respect to such Contract. The chargeback
will be waived if the withdrawal:




	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code Section 72(t) or
401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.





THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING WRITTEN NOTICE. THIS
SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE SYMETRA CUSTOM 5 FIXED ANNUITY SCHEDULE.




 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





	 	 	 	 	 
	LSA-981k 08/2008

	 	Page 1 of 1
	 	Agent ID: 19-17-9121

SSN/Tax ID: 33-0339296

Doc Code: AMD

Name: Custom 5 Addendum

# of Pages: 2 pgs total






 









 






Amendment to Agency/ Sales Agreement

Effective as of September 23, 2008

Symetra Life Insurance Company

Symetra Custom 5 Fixed Annuity Special Marketing Allowance Schedule




ADDITIONAL DEFINITIONS:




The following definitions apply to this schedule for purposes of paying special marketing allowance
for sales of Symetra Custom 5 Fixed Annuity Contracts (“Contracts”):



“Annuitant” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age if the Owner is a non-natural person.



“Attained Age” means the age the Owner has reached based upon birth date with respect to the date
each purchase payment is received by Company for the Contract. If purchase payment requires funding
from a 1035 exchange, the date on which such payment is funded will be used for this determination.
If purchase payment requires funding from multiple 1035 exchanges, the date on which the first
exchange is completed will be used for this determination. If joint Owners are named in the
Contract, the birth date of the oldest owner will be used for this determination.



“Owner” means the person named on the Contract application, whose birth date will be used by
Company in determining the Attained Age. If the Owner is a non-natural person (such as a business
entity or trust), then Company will use the birth date of the oldest Annuitant designated on the
Contract application.



SPECIAL MARKETING ALLOWANCE (SMA):




Company will pay Agency for the sales of Symetra Custom 5 Fixed Annuity Contracts the following
SMA:




	 	•	 	[***]% on all purchase payments received by Company through the first Contract year for Attained
Ages 90 and under





CHARGEBACKS:




In the event that a Contract is surrendered under the “free look” provision, or otherwise
rescinded, then charge backs will be made against all SMA paid with respect to such Contract.



In the event of a partial withdrawal within twelve (12) months from a Contract’s issue date, Agency
will be charged back SMA paid on the withdrawal amount that exceeds 10% of such Contract’s Policy
Value. In the event of a full withdrawal within twelve (12) months from a Contract’s issue date,
Agency will be charged back all SMA paid with respect to such Contract. The chargeback will be
waived if the withdrawal:




	 	•	 	Does not exceed the amount available under the 10%-Free Withdrawal provision of the Contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code Section 72(t) or
401(a)(9) for qualified plans and Section 72 (q) or 72 (s) for non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the Contract.





THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING WRITTEN NOTICE. THIS
SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE SYMETRA CUSTOM 5 FIXED ANNUITY SPECIAL MARKETING
ALLOWANCE SCHEDULE.




 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





	 	 	 	 	 
	LSA-981 07/2007

	 	Page 1 of 1
	 	WMFS Insurance Services Inc. (known in

certain states as WAMU Investments Inc.)

19-17-9121







 











 





ADDENDUM



This Addendum to the Agency Agreement (“Addendum”) is made and entered into by Symetra Life
Insurance Company (“Company”) and WMFS Insurance Services Inc. (known in certain states as
WAMU Investments Inc.) (“Agency”), and is effective as of September 23, 2008 (“Effective
Date”).




RECITALS



Company and Agency entered into an Agency Agreement, effective as of March 10, 2006
(“Agreement”); and



Company and Agency desire to supplement the Agreement as set forth below.



NOW, THEREFORE, in consideration of the mutual covenants and undertakings set forth
herein, Company and Agency agree as follows:





	1.	 	As of Effective Date, Agency agrees to add the attached commission schedule for the Select 3 Fixed Annuity product to the Agreement.
	 
	2.	 	All other provisions in the Agreement will remain in effect.




IN WITNESS WHEREOF, the parties hereto have caused this instrument to be duly executed on
the date indicated below.




	 	 	 	 	 
	Symetra Life Insurance Company	 	 
	 	 	Agent ID: 19-17-9121
	By:

	 	/s/ Pat McCormick
	 	SSN/Tax ID: 33-0339296
	 

	 	Pat McCormick
	 	Doc Code: AMD
	 

	 	Senior Vice President
	 	Name: Select 3 Addendum
	 

	 	Date: 9/17/08
	 	# of Pages: 2 pgs total





WMFS Insurance Services Inc. (known in certain states as WAMU Investments Inc.)




	 	 	 	 	 
	By:  	         /s/ Christi Hyatt
 	 	 
	 	Print Name:  	Christi Hyatt 	 	 
	 	Title:  	FVP Strategic Partner & Product Mgt.
 	 	 
	 	Date:  	 9/15/08 	 	 



Stat 19-17-9121




 









 








COMMISSION SCHEDULE

FOR FIXED ANNUITY PRODUCTS




	 	 	 	 	 
	 	 	 	 	Internal
	Product Name	 	Compensation Rate	 	LSA Code
	Select 3

	 	•   [***]% on all purchase payments received by Company through the
first contract year for Attained Ages up to and including 85.

	 	2041b
	 
	 	 	 	 
	 

	 	•   Trail compensation equal to the equivalent of the annual rate of
[***]% of the contracts’ policy value, starting immediately and paid
out monthly.
	 	 
	 
	 	 	 	 
	 

	 	•   If the contract owner renews the contract to a new three year term at
any time after the third contract year, Company will pay Agency
[***]% of the contract value upon renewal.
	 	 
	 
	 	 	 	 
	 

	 	•   If the contract owner does not renew the contract at the end of the
third contract year, Company will cease to pay Agency the [***]%
trail compensation, but will instead pay an annual trail compensation
equal to [***]% of the contract value every year until the contract is
surrendered or transferred. This trail compensation will be paid
monthly as [***]% times the prior month end contract value.
	 	 






CHARGEBACKS:



In the event that a contract is surrendered under the “free
look” provision, or otherwise
rescinded, then charge backs will be made against all compensation paid with respect to such
contract.



In the event of a partial withdrawal within twelve (12) months from a contract’s issue
date, Agency will be charged back compensation paid on the amount that exceeds 10% of such
contract’s policy value. In the event of a full withdrawal within twelve (12) months from a
contract’s issue date, Agency will be charged back all compensation paid with respect to such
contract. The chargeback will be waived if the withdrawal:





	 	•	 	Does not exceed the amount withdrawn under the 10%-Free Withdrawal provision of the contract;
	 
	 	•	 	Is a non-commissionable transfer or rollover between Company products;
	 
	 	•	 	Is made after the Owner is deceased or becomes confined in a hospital or nursing home;
	 
	 	•	 	Is part of a series of systematic withdrawals pursuant to Internal Revenue Code
Section 72(t) or 401 (a)(9) for qualified plans and Section 72(q) or 72(s) for
non-qualified plans;
	 
	 	•	 	Is a payout under an annuitization option of the contract.





Stat 19-17-9121



 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.






 











 




7.07.027.b.012


ASSIGNMENT OF AGENCY AGREEMENT BETWEEN SYMETRA LIFE

INSURANCE COMPANY AND WAMU INVESTMENTS, INC. (formerly WM

FINANCIAL SERVICES, INC.)



This Assignment (“Assignment”) to the Agency Agreement dated March 10, 2006 (“Agency Agreement”) is
made and entered into effective as of May 2, 2009 among Symetra Life Insurance Company (“Symetra”),
WaMu Investments, Inc. (formerly WM Financial Services, Inc.) (“WMII”), WMFS Insurance Services,
Inc. (“WMFSISI”) and Chase Insurance Agency, Inc. (“CIA”).




     WHEREAS, Symetra, WMII and WMFSISI entered into the Agency Agreement on March 10,
2006;



     WHEREAS, WMII and WMFSISI now desire to assign their rights and obligations under the
Agency Agreement to CIA effective May 2, 2009 (“Effective Date”) and CIA agrees to assume
all the rights and obligations of WMII and WMFSISI under the Agency Agreement;



     WHEREAS, Symetra consents to the assignment of the rights and obligations of WMII and
WMFSISI under the Agency Agreement to CIA;



     WHEREAS, Symetra and CIA entered into an Agency Agreement effective September 26,
2006 (“CIA Agreement”);


NOW, THEREFORE, the parties agree as follows:




Agreement





	 	1.	 	Assignment. As of the Effective Date, WMII and WMFSISI hereby assign their rights and
obligations under the Agency Agreement to CIA and CIA hereby assumes all the rights and
obligations of WMII and WMFSISI thereunder. Symetra hereby consents to such assignment.
	 
	 	2.	 	Notices. Commencing on the Effective Date all notices to CIA shall be delivered to
the following address:
	 
	 	 	 	Chase Insurance Agency, Inc.
	 
	 	 	 	Attention: Merle F. Gehman
	 
	 	 	 	Annuity & Insurance Product Management
 270
Park Avenue, 10th Floor
 New York, NY 10017
	 
	 	3.	 	Applicability of the WMII Agreement. The parties agree that (i) the Agency Agreement
shall govern the roles and responsibilities of CIA and Symetra only with respect to
business sold (including additions to such business) under the Agency Agreement on or




 









 






	 	 	 	before May 1, 2009; and that, anything to the contrary in the Agency Agreement
notwithstanding, the Agency Agreement shall remain in effect only for the purpose of
servicing such business; and (ii) any business sold by CIA on and after May 2, 2009 shall
be governed by the CIA Agreement.






	 	4.	 	No Other Modification. Except as provided above, all the terms of the Agency
Agreement will remain in full force and effect.
	 
	 	5.	 	Counterparts. This Assignment may be executed in any number of counterparts, each of
which will be deemed an original, but all of which taken together will constitute one
single agreement between the Parties.




The parties have caused this Assignment to be executed by their duly authorized representatives as
of the Effective Date.




	 	 	 	 	 
	Symetra Life Insurance Company

 	 	 
	By:  	/s/ Patrick B. McCormick
 	 	 	 
	 	Name and Title: Patrick B. McCormick,

Sr. Vice President 	 	 
	 	 	 	 
	 
	WaMu Investments, Inc.

 	 	 
	By:  	/s/ Robert Cecilio
 	 	 	 
	 	Name and Title: Robert Cecilio, President 	 	 
	 	 	 	 
	 
	WMFS Insurance Services, Inc.

 	 	 
	By:  	/s/ Robert Cecilio
 	 	 
	 	Name and Title: Robert Cecilio,

Senior Vice President 	 	 
	 	 	 	 
	 
	Chase Insurance Agency, Inc.

 	 	 
	By:  	 	 	 	 
	 	Name and Title: Laura Pantaleo, President 	 	 
	 




 









 






	 	 	 	 	 




	 	 	 	before May 1, 2009; and that, anything to the contrary in the Agency Agreement
notwithstanding, the Agency Agreement shall remain in effect only for the purpose of
servicing such business; and (ii) any business sold by CIA on and after May 2, 2009 shall be
governed by the CIA Agreement.
	 
	 	4.	 	No Other Modification. Except as provided above, all the terms of the Agency Agreement
will remain in full force and effect.
	 
	 	5.	 	Counterparts. This Assignment may be executed in any number of counterparts, each of
which will be deemed an original, but all of which taken together will constitute one single
agreement between the Parties.




The parties have caused this Assignment to be executed by their duly authorized representatives as
of the Effective Date.




	 	 	 	 	 
	Symetra Life Insurance Company

 	 	 
	By:  	/s/ Patrick B. McCormick
 	 	 	 
	 	Name and Title: Patrick B. McCormick 

Senior Vice President 	 	 
	 	 	 	 
	 
	WaMu Investments, Inc.

 	 	 
	By:  	
 	 	 	 
	 	Name and Title: Robert Cecilio, President 	 	 
	 	 	 	 
	 
	WMFS Insurance Services, Inc.

 	 	 
	By:  	
 	 	 
	 	Name and Title: Robert Cecilio, 

Senior Vice President 	 	 
	 	 	 	 
	 
	Chase Insurance Agency, Inc.

 	 	 
	By:  	/s/ Laura Pantaleo
 	 	 	 
	 	Name and Title: Laura Pantaleo, President 	 	 
	 	 	 	 
	 




 











 





Amendment to Agency/ Sales Agreement

Effective as of May 2, 2009

Symetra Life Insurance Company

Individual Life Policies

Commission Schedule Terms and Conditions




Terms





	1.	 	Commissions are payable on premiums paid to the Company. Basic and Renewal commissions are
vested and constitute full compensation to the designated writing agency. The writing agency
will be paid all Basic and Renewal Commissions which are calculated according to the
Commission Schedule Individual Life Policies Endorsement Form included in this contract.
There may be a maximum of two writing agencies per coverage. Basic and renewal commissions
for any increase in coverage are paid to the writing agency of that increase. When the
balance due is less than a reasonable minimum sum, established by the Company, payments may
be paid only as the minimum amount is reached.
	 
	2.	 	To change the writing agency, written consent from the current writing agency must be
submitted to the Company’s Home Office. The Company reserves the right through its Home
Office to approve any such request and is not bound by such change until approved by the
Company’s Home Office. The new writing agency is subject to the provisions in this agreement.
The Company assumes no responsibility for the validity of the change of writing agency and
the Company is held harmless with regard to any amount paid by it to the new writing agency.
Any change of writing agency must comply with all applicable state laws and regulations. For
those policies identified in writing as a part of the change in writing agency, the future
compensation and all past, present and future obligations are transferred to the new writing
agency.
	 
	3.	 	Service fees are payable on premiums paid to the Company. Such Service Fees constitute full
compensation to the designated servicing agency. The service fee is calculated according to
the Commission Schedule Individual Life Policies Endorsement Form included in this contract.
The servicing agency will be paid all the service fees. During the calendar years in which
the Servicing Agency receives a minimum of $1,000.00 in first year commission for
Individual Life policies service fees will be paid. When the balance due is less than a
reasonable minimum sum, established by the Company, payments may be paid only as the minimum
amount is reached.
	 
	4.	 	The servicing agency may be designated by the policyowner or by the writing agency at the
time of policy issue. Changing to a new servicing agency requires written consent from the
policyowner to be submitted to the Company’s Home Office. The Company reserves the right
through its Home Office to approve any such request and is not bound by such change until
approved by the Company’s Home Office. If the servicing agency is not specifically designated
then the writing agency will be the servicing agency.
	 
	5.	 	Trail commissions, if applicable, are vested and payable to the writing agency of the
original base policy. These commissions are calculated according to Section 3 of the
Commission Schedule Individual Life Policies Endorsement Form included in this contract. If
trail commissions are earned they will be paid on the first commission statement following
the policy anniversary.
	 
	6.	 	The Company reserves the right to reduce compensation when the face amount exceeds the sum
of the Company’s retention limit plus automatic reinsurance coverage.
	 
	7.	 	In event of a policy lapse a repayment to Symetra Life of the commission previously paid to
Insurance Agency on
such policy will be required and will be calculated as follows for Symetra Single Premium
Permanent Life if included in your schedule:
	 
	 	 	100% commission charge back for 12 months for policy terminations other than death of the
insured.

	 
	8.	 	In addition to commission payable, the Company may award to the writing agency Annual First
Year Premium (AFYP) production credit. AFYP is a measurement of production that is equal to
the required first year premium on an annual payment mode. Net AFYP is the production credit
issued by the Company on business written during the calendar year minus the production
credited to policies that have lapsed during the year prior to their first renewal.
	 
	9.	 	When a writing agency sells additional insurance riders commissions will be calculated and
paid according to the Commission Schedule Individual Life Policies Endorsement Form included
in this contract.





					
	 	 	 	 	 
	LSA-461ch 04/2009
	 	Page 1 of 2
	 	Agency: Chase Insurance Agency Inc.

24-33-9916







 









 







	10.	 	If this Agency Agreement is terminated, the commissions payable to the writing agency
shall be limited to those payable as first year and renewal commissions at the rate provided
in the Commission Schedule Individual Life Policies Endorsement Form in effect on the date of
termination.
	 
	11.	 	No Commissions or service fees will be paid with respect to:






	 	a.	 	Premiums which are waived under the terms of a policy;
	 
	 	b.	 	Premiums for temporary extra rating for five years or less;
	 
	 	c.	 	Premiums for a policy which is a conversion of group life or health insurance coverage; and
	 
	 	d.	 	Premium paid by automatic premium loan.






	12.	 	When a conversion privilege is exercised, and the new policy is dated as of a current date,
commissions will be calculated in accordance with the rules of the Company in effect at the
time of such conversion. If the Company determines a policy replaces a policy previously
issued by the Company on the same insured, the commission payable for the first year of
insurance for the new policy will be calculated in accordance with the rules of the Company
in effect at the time of such replacement.
	 
	13.	 	If an Agency is terminated due to uncollectible outstanding agency commission debt, terms
defined in section one above will be revoked and Basic and Renewal Commissions will no longer
be vested.





Conditions





	1.	 	Agency has no authority to deliver any policy unless the applicant therein is, at the time
of delivery, in good health and insurable condition.






	2.	 	Notwithstanding any other provision of this agreement, regarding any policy listed in this
agreement’s Commission Schedule Individual Life Policy Endorsement, Agency shall not, to
induce any person to insure with Company, pay or allow or offer any illegal rebate of premium
or other consideration due and not specified in the policy.




THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN
NOTICE.



The provisions of this endorsement supersede any provisions of prior endorsements.



Agency is responsible for ensuring that no business is solicited by any representatives until that
representative is authorized to represent the Company and this endorsement is in effect.




					
	 	 	 	 	 
	LSA-461ch 04/2009
	 	Page 2 of 2
	 	 







 











 





Amendment to Agency/ Sales Agreement

Effective as of May 2, 2009




Symetra Life Insurance Company

Commission Schedule Endorsement

Financial Institution

Enhanced Commission




Basic First-Year Commissions




	 	 	 	 	 
	CASH VALUE POLICIES
	 	 	 	 
	 
	 	 	 	 
	o Universal Life Policies
	 	 	 	 
	Symetra Universal Life (SUL)
	 	 	[***]	%
	All premium up to first “Annual Target”
	 	 	 	 
	o SYMETRA Successor Single Premium Life
	 	 	 	 
	Ages
15 years — 80 years
	 	[***]% of Single Premium
	Ages
81 — 85 years
	 	[***]%  of Single Premium
	 
	 	 	 	 
	o SYMETRA TERM LIFE INSURANCE
	 	 	 	 
	All face amounts
	 	 	 	 
	10-Year and 15-Year Level Term
	 	[***]% of Annual Premium less policy fee
	20-Year and 30-Year Level Term
	 	[***]% of Annual Premium less policy fee
	 
	 	 	 	 
	Policy Term Riders
	 	Same First-Year Rate as Base Policy
	 
	 	 	 	 
	SUPPLEMENTAL BENEFITS
	 	 	 	 
	Accidental Death,
	 	 	 	 
	Guaranteed Insurability Option, and Waiver of Premium
	 	Same First-Year Rate as Base Policy
	Insured Children’s Benefit
	 	Same First-Year Rate as Base Policy
	 
	 	 	 	 
	Basic Renewal Commissions
	 	 	 	 
	 
	 	 	 	 
	CASH VALUE POLICIES
	 	 	 	 
	Universal Life Policies
	 	 	 	 
	Symetra Universal Life
	 	 	 	 
	Excess premium over first “Annual Target” through 6th policy year
	 	 	[***]	%
	Symetra Accelerated Universal Life
	 	 	 	 
	Excess premium over first “Annual Target” through 6th policy year
	 	 	[***]	%
	 
	 	 	 	 
	Policy Term Riders
	 	 
	2nd through 6th policy years
	 	Same Renewal Rate as Base Policy
	 
	 	 	 	 
	Life Expense Allowance (Override)
	 	 	 	 
	 
	 	 	 	 
	Paid on all Universal Life first year and renewal commission.
Override is equal to 50% of the base
commission.
	 
	 	 	 	 
	Service Fees
	 	 	 	 
	 
	 	 	 	 
	Service Fees are payable in the 7th and subsequent policy years as noted below:
	 	 	 	 
	Flexible Premium Universal Life
	 	 	[***]	%
	plus 2% of the cost of insurance
	 	 	 	 
	All other plans except Expert Level Term and Symetra Term Life Insurance
	 	 	[***]	%






Not all products are filed in all states. Contact your local Symetra office for further
information.



THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN
NOTICE.



Agency is responsible for ensuring that no business is solicited by any representative until that
representative is authorized and appointed to represent either, or both, Company(ies).



 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-5920 03/2009
	 	Page 1 of 1
	 	Agency: Chase Insurance Agency Inc.

24-33-9916







 









 






Amendment to Agency/ Sales Agreement

Effective as of May 2, 2009




Symetra Life Insurance Company

Simplified Issued Commission Schedule Endorsement

Financial Institution




	 	 	 	 	 
	Basic First-Year Commissions
	 	 	 	 
	 
	 	 	 	 
	CASH VALUE POLICIES
	 	 	 	 
	Universal Life Policies
	 	 	 	 
	Symetra Universal Life (SUL+)
	 	 	[***]	%
	All premium up to first “Annual Target”
	 	 	 	 
	SYMETRA Successor Single Premium Life
	 	 	 	 
	Ages 15 years - 80 years
	 	[***]% of Single Premium
	Ages 81 - 85 years
	 	[***]% of Single Premium
	 
	 	 	 	 
	SYMETRA TERM LIFE INSURANCE
	 	 	 	 
	All face amounts
	 	 	 	 
	10-Year and
15-Year Level Term
	 	[***]% of Annual Premium less policy fee
	20-Year and 30-Year Level Term
	 	[***]% of Annual Premium less policy fee
	 
	 	 	 	 
	Policy Term Riders
	 	Same First-Year Rate as Base Policy
	 
	 	 	 	 
	SUPPLEMENTAL BENEFITS
	 	 	 	 
	Accidental Death,
	 	 	 	 
	Guaranteed Insurability Option, and Waiver of Premium
	 	Same First-Year Rate as Base Policy
	Insured Children’s Benefit
	 	Same First-Year Rate as Base Policy
	 
	 	 	 	 
	Basic Renewal Commissions
	 	 	 	 
	 
	 	 	 	 
	CASH VALUE POLICIES
	 	 	 	 
	Universal Life Policies
	 	 	 	 
	Symetra Universal Life
	 	 	 	 
	Excess premium over first “Annual Target” through 6th policy year
	 	 	[***]	%
	Symetra Accelerated Universal Life
	 	 	 	 
	Excess premium over first “Annual Target” through 6th policy year
	 	 	[***]	%
	 
	 	 	 	 
	TERM POLICIES AND RIDERS
	 	 	 	 
	Annual Renewable Term
	 	 	 	 
	2nd through 6th policy years
	 	 	 	 
	Symetra Annual Renewable Term
	 	 	[***]	%
	 
	 	 	 	 
	Policy Term Riders
	 	 	 	 
	2nd through 6th policy years
	 	Same Renewal Rate as Base Policy
	 
	 	 	 	 
	Life Expense Allowance (Override)
	 	 	 	 
	 
	 	 	 	 
	Paid on all Universal Life first year and renewal commission.
Override is equal to 50% of the base commission.
	 
	 	 	 	 
	Service Fees
	 	 	 	 
	 
	 	 	 	 
	Service Fees are payable in the 7th and subsequent policy years as
noted below:
	 	 	 	 
	Flexible Premium Universal Life
	 	 	[***]	%
	plus 2% of the cost of insurance
	 	 	 	 
	All other plans except Expert Level Term and Symetra Term Life Insurance
	 	 	[***]	%






Not all products are filed in all states. Contact your local Symetra office for further
information.



THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN
NOTICE.



Agency is responsible for ensuring that no business is solicited by any representative until that
representative is authorized and appointed to represent either, or both, Company(ies).




 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





					
	 	 	 	 	 
	LSA-5925 03/2009
	 	Page 1 of 1
	 	Agency: Chase Insurance Agency Inc.

24-33-9916







 











 





Amendment to Agency/ Sales Agreement

Effective as May 2, 2009

Symetra Life Insurance Company




Commission Summary — WAMU/ Chase Integration*




	 	 	 	 	 
	Product	 	Base Commission Rate	 	Bonus/SMA
	 
	 	 	 	 
	Advantage Income

	 	•    [***]% for all ages on
all contracts submitted
on or prior to May 1,
2009 (WAMU rate); and

	 	•    [***]% for all ages on
all contracts submitted
on or prior to May 1,
2009 (WAMU rate); and

	 
	 	 	 	 
	 

	 	•    [***]% for all
contracts submitted on
or after May 2, 2009
(Chase rate)

	 	•    No bonus/SMA on
contracts submitted on
or after May 2, 2009
(Chase rate)

	 
	 	 	 	 
	Select 1

	 	•    [***]% for all ages
plus monthly trail at
annual rate of [***]bps on
contracts submitted on
or prior to May 1, 2009
(WAMU rate); and

	 	•    [***]% for all ages on
all contracts submitted
on or prior to May 1,
2009 (WAMU rate); and

	 
	 	 	 	 
	 

	 	•    [***]% for all ages on
contracts submitted on
or after May 2, 2009
(Chase rate)

	 	•    No bonus/SMA on contracts submitted on or after May 2, 2009 (Chase rate)

	 
	 	 	 	 
	Custom 7

	 	•    [***]% for ages 85 and
under/[***]% for ages 86
to 90 plus monthly trail
at annual rate of [***]bps
on contracts submitted
on or prior to May 1,
2009 (WAMU rate)

	 	•    [***]% for all ages on
contracts submitted on
or prior to May 1, 2009
(WAMU rate)

	 
	 	 	 	 
	 

	 	•    Contracts submitted
on or after May 2, 2009
will be returned as
product is not on Chase
platform

	 	•    No bonus/SMA —
Contracts submitted on
or after May 2, 2009 will
be returned as product
is not on Chase platform

	 
	 	 	 	 
	Secure

	 	•    [***]% for all ages
plus monthly trail at
annual rate of [***]bps on
contracts submitted on
or prior to May 1, 2009
(WAMU rate)

	 	•    [***]% for all ages
on contracts submitted
on or prior to May 1,
2009 (WAMU rate)

	 
	 	 	 	 
	 

	 	•    Contracts submitted
on or after May 2, 2009
will be returned as
product is not on Chase
platform

	 	•    No
bonus/SMA — Contracts
submitted on or after
May 2, 2009 will be
returned as product is
not on Chase platform

	 
	 	 	 	 
	Select 2 (Enhanced

	 	•    [***]% for all ages
plus monthly trail at
annual rate of [***]bps on
contracts submitted

	 	•    [***]% for all ages on
all contracts submitted
on or prior to May 1,









 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




 









 






	 	 	 	 	 
	Product	 	Base Commission Rate	 	Bonus/SMA
	 
	 	 	 	 
	Select)

	 	     on or prior to May 1, 2009 (WAMU rate); and
	 	     2009 (WAMU rate); and
	 
	 	 	 	 
	 

	 	•   
Contracts submitted on or after May 2,
2009 will be returned as product is not on
Chase platform

	 	•   
No bonus/SMA — Contracts submitted on or after May 2, 2009 will be returned as product is not on Chase platform

	 
	 	 	 	 
	Select 3

	 	•    For contracts submitted on or prior to
May 1, 2009 — [***]% on all ages; plus
monthly trail at annual rate of [***]%; If
replace with new three year term = [***]% of
contract value upon replacement; If no
replacement after 3rd contract year = Company
will cease [***]bps trail but instead will pay
monthly trail at an annual rate of [***]%,
starting on 4th contract year

	 	•    No bonus/SMA on
contracts submitted on or
prior to May 1, 2009
(WAMU rate)


•    No bonus/SMA on contracts submitted on or after May 2, 2009 (Chase rate)

	 
	 	 	 	 
	 

	 	•   
For contracts submitted on or after May
2, 2009 — [***]% on ages 85 & under (minimum
premium $50K); No immediate trail; If replace
with new three year term = [***]% of contract
value upon replacement; If no replacement
after 3rd contract year = trail
paid monthly at an annual rate of [***]% of
contract value, starting on 4th
contract year; If replace with new five year
term:

	 	 
	 

	 	(a) [***]% of contract value upon replacement
for ages 80 & under; or

	 	 
	 
	 

	 	(b) [***]% of contract value upon
replacement for ages 81 to 86;

	 	 
	 
	 

	 	(c) [***]% of contract value upon
replacement for ages 87 to 90.

	 	 
	 
	 	 	 	 
	Custom 5

	 	•    [***]% for ages 85 and under/[***]% for ages
86 to 90; plus monthly trail at annual rate
of [***]bps on contracts submitted on or prior to
May 1, 2009 (WAMU rate)


	 	•    [***]% for all ages on
all contracts submitted
on or prior to May 1,
2009 (WAMU rate); and


	 
	 	 	 	 
	 

	 	•   
Contracts submitted on or after May 2,
2009 will be returned as product is not on
Chase platform


	 	•    No bonus/SMA —
Contracts submitted on
or after May 2, 2009 will
be returned as product is
not on Chase platform


	 
	 	 	 	 
	Select
5

	 	•   
For contracts submitted on or after May
2, 2009 — [***]% on first year premiums for
ages 80 & under or [***]% on first year
premiums for ages 81 — 86; or [***]% on first
year


	 	•    No bonus/SMA on
contracts submitted on or
after May 2, 2009
(Chase rate)








 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.





 









 






	 	 	 	 	 
	Product	 	Base Commission Rate	 	Bonus/SMA
	 
	 	 	 	 
	 

	 	premiums for ages 87 to 90; If replace with
new five year term:	 	 
	 
	 	 	 	 
	 

	 	(a) [***]% of contract value upon
replacement for ages 80 & under; or

	 	 
	 
	 	 	 	 
	 

	 	(b) [***]% of contract value upon
replacement for ages 81 to 86;

	 	 
	 
	 	 	 	 
	 

	 	(c) [***]% of contract value upon
replacement for ages 87 to 90.

	 	 
	 
	 	 	 	 
	 

	 	If replace with new three year term = [***]%
of contract value upon replacement.	 	 
	 
	 	 	 	 
	Fully Underwritten
Term Life 10 and 15 Year

	 	•    [***]% less policy fees on contracts submitted
on or prior to May 1, 2009 (WAMU rate)


	 	•    No bonus/SMA on contracts  submitted on or prior to May 1, 2009 (WAMU rate)


	 
	 	 	 	 
	 

	 	•    [***]%
less policy fees on contracts submitted on or
after May 2, 2009 (Chase Rate)


	 	•    No bonus/SMA on
contracts submitted
on or after May
2, 2009 (Chase
rate)


	 
	 	 	 	 
	Fully Underwritten
Term Life 20 and
30 Year

	 	•    [***]% less policy fees on contracts submitted
on or prior to May 1, 2009 (WAMU rate)

	 	•    No bonus/SMA on
contracts submitted
on or prior to May
1, 2009 (WAMU rate)

	 
	 	 	 	 
	 

	 	•    [***]%
less policy fees on contracts submitted on or
after May 2, 2009 (Chase Rate)

	 	•    No bonus/SMA on
contracts submitted
on or after May 2,
2009 (Chase rate)

	 
	 	 	 	 
	Simplified Issue
Term Life 10 and
20 Year

	 	•    [***]% less policy fees on contracts submitted
on or prior to May 1, 2009 (WAMU rate)

	 	•    No bonus/SMA on
contracts submitted on or prior to May 1, 2009 (WAMU rate)

	 
	 	 	 	 
	 

	 	•    [***]% less policy fees on contracts submitted
on or after May 2, 2009 (Chase rate)

	 	•    No bonus/SMA on contracts submitted on or after May 2, 2009 (Chase rate)

	 
	 	 	 	 
	Successor Single 

Premium Life

	 	[***]% for ages 15 to 80 or [***]% for ages 81 to 85
on contracts submitted on or after May 2, 2009
(Chase rate)
	 	•    No bonus/SMA on contracts submitted
on or after May
2, 2009 (Chase
rate)








 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.




 









 





*Any WAMU legacy contracts from 2003 will remain unchanged; Symetra will pay any applicable trail
commissions in accordance with the rates below:




	 	 	 	 	 
	Product	 	Base Commission Rate	 	Bonus/SMA
	Select

	 	•    [***]% on all ages

	 	None
	 
	 

	 	•    Plus immediate trail at annual
rate of [***]bps
 	 	 
	 
	 	 	 	 
	Secure

	 	•    [***]% on all ages

	 	None
	 
	 

	 	•    Plus one time trail in 5th year
at annual rate of [***]bps
	 	 
	 
	 

	 	•    Plus trail beginning 6th year
(paid monthly) at annual rate of
[***]bps
	 	 
	 
	 	 	 	 
	Preference

	 	•    Single sum at [***]% for ages 75 and under;
[***]% for ages 76 to 85

	 	None
	 
	Advantage Income

	 	•    [***] on all ages

	 	None






 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corporation, this information has been filed separately with the Securities and Exchange Commission.