Amendments dated August 27, 2011 to the Agency Agreement



 Exhibit 10.1(A) 
 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. 
 Symetra Life Insurance Company 
 Simplified Issue Life Commission Schedule Endorsement 
 Financial
Institution 
 Enhanced Commission 

 
 Basic First-Year Commissions 

  

					
	 CASH VALUE POLICIES

			
	  ̈
	  	Universal Life Policies	  	
		  	Symetra Universal Life Plus (SUL+)	  	[***] on all premium up to first “Annual Target”

  

					
	  ̈
	  	SYMETRA Successor Single Premium Life with Return of Premium (ROP)	  	
		  	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 20-Year Level Term
	  	[***] of Annual Premium less policy fee

  

			
	Policy Term Riders	  	Same First-Year Rate as Base Policy

  

			
	SUPPLEMENTAL BENEFITS	  	
	 Accidental Death 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	  			
		
	
2nd policy year
	  	 	[***]	  
	
3rd policy year
	  	 	[***]	  
	
4th policy year
	  	 	[***]	  

  

Service Fees 

  

					
	 Service Fees are payable in the 7th and subsequent policy years as noted below:
	  			
	 Flexible Premium Universal Life
	  	 	[***]	  
	 plus [***] 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). 

  
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 Exhibit 10.1(B) 
 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. 
 Symetra Life Insurance Company 
 Fully Underwritten Commission Schedule Endorsement 
 Financial Institution

 Enhanced Commission 

 
 Basic First-Year Commissions 

  

							
	 CASH VALUE POLICIES
	   

			
	  ̈
	  	Universal Life Policies	  			
		  	Symetra Universal Life (SUL)	  	 	[***] of all premium up to first “Annual Target”	  

  

							
	  ̈
	  	SYMETRA Successor Single Premium Life with Return of Premium (ROP)	  			
		  	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
	  	 	[***]	  
		
	 Policy Term Riders
	  			
	 2nd through 6th policy years
	  	 	Same Renewal Rate as Base Policy	  

  

Service Fees 

  

					
	 Service Fees are payable in the 7th and subsequent policy years as noted below:
	  			
	 Flexible Premium Universal Life
	  	 	[***]	  
	 plus [***] 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). 

  
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 Exhibit 10.1(C) 
 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. 
 Effective as of August 1, 2011, Company is amending the current Sales Agreement for fixed products between Agency and
Company by replacing Agency’s current commission schedule for fixed annuitization with this schedule, LSA655ch 08/2011. 

Symetra Life Insurance Company 
 Annuity Base Commission Schedule 

 
 Fixed Annuitization Payment 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 – [***] 

 
 Repayment of Commissions 

 Agency will repay Company commissions, not to exceed
amount paid to Agency, if the fixed annuitization payout is reversed for any reason. Repayments under this schedule will be netted against any compensation owed to Agency by Company with respect to other products offered by Company. 

If the commission repayments owed by Agency to Company exceed the compensation payable to Agency, Agency will immediately pay Company the commission
repayments owed to Company. 
 THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY TIME BY PROVIDING WRITTEN NOTICE.
THIS SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE FIXED ANNUITIZATION BASE COMMISSION SCHEDULE. 

  
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