Amendment to Sales Agreement



 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. 
 Exhibit 10.19

 Amendment to Sales Agreement 
 Effective as of November 16, 2011 
 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 55 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 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). 

  
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 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 
 Effective as of November 16, 2011 

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 55 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 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). 

  
 Page 1 of 1