EX-10.3



 Exhibit 10.3 
 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 SALES AGREEMENT 

 ANNUITY BASE COMMISSION SCHEDULE 
  

																					
	 Product Name
	  	Issue
Age	  	Payout
Options	 	  	Purchase Payment	 	  	Base
Commission	 	LSA #
(internal
coding)	 	  	Commission
Effective
Date	 
	 FIXED INCOME ANNUITIES
	  		  				  				  		 			
	 Advantage Income
	  	0-95	  	 	All	  	  	 	All	  	  	[***]	 	 	603n	  	  	 	3/1/2007	  
	 FIXED DEFERRED ANNUITIES*
	  		  				  				  		 			
	 Custom 7
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	  	81-86
 81-86

81-86
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	  	87-90
 87-90

87-90
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	 Select 5 ‡
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	  	81-86
 81-86

81-86
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	  	87-90
 87-90

87-90
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	 Edge 7
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7699c	  	  	 	2/25/2013	  

 Refer to the Chargeback provisions of the Annuity Terms and Conditions. 

 

	*Base	commission applies to initial and subsequent deposits. 

 ‡ If the Contract owner replaces a Select 5 Contract to a new five
year term at any time after the fifth contract year, Company will pay Agency the same rates as the Base Commission according to new Issue Age. Upon replacement, Company will issue a new Contract to the Contract owner. 

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

  

					
	Chase nonNY Grid – Version 1	 	Symetra Life Insurance 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. 
  

ANNUITY INTERNAL REPLACEMENT SCHEDULE 

All “from” product must be out of Surrender Charge Period. The “to” product will start a new Surrender Charge Period. Unless otherwise
specified, no like for like product replacements are allowed. Replacements must comply with state regulations regarding suitability. 
  

					
	 “From” Product
	  	 “To” Product
	  	 Commission Rate

			
	 The Select or Spinnaker Advisor product*
	  	Any fixed or variable
annuity	  	Full compensation will be paid according to the terms and conditions of Agency’s current base annuity schedule for that product.
			
	 Any fixed or variable annuity with a contract effective date before 8/1/2004 
	  	Any fixed or variable
annuity	  	Full compensation will be paid according to the terms and conditions of Agency’s current base annuity schedule for that product.
			
	 Any fixed or variable annuity (including the Select 3, 5 or 7) with a contract effective
date of 8/1/2004 or later 
  
 (excluding the Select and Spinnaker
Advisor products) 
	  	Any fixed or variable
annuity	  	 •   If the “from” product is less than 10 years old, Agency will
be paid a trail commission monthly, at an annual rate of [***] basis points beginning immediately.
  

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


  

	*	Contracts issued prior to, on, and after 8/1/2004 are eligible for compensation. “Select” does not refer to the Select 3, 5 or 7 products.


 FIXED ANNUITIZATION SCHEDULE 
 Base commissions will be paid on fixed annuitization payouts of fixed contracts, except on annuitization of contracts originally issued by WM Life Insurance Company or American States Life Insurance
Company, or on annuitization of Safekey I, II, and III contracts. 
 Base commissions will be paid as a percentage of the amount applied to an
annuity option, as follows: 
  

	 	•	 	 Contracts annuitized while in surrender– [***] 


  

	 	•	 	 Contracts annuitized after the termination of the surrender schedule – [***] 



THIS SCHEDULE SUPERSEDES ANY PREVIOUS INTERNAL REPLACEMENT AND FIXED ANNUITIZATION SCHEDULE OR PROVISIONS. 

  

					
	LSA-634m & LSA-655ch 02/2013	 	Symetra Life Insurance Company