Participant Certificate



 Exhibit 4.(iv) 
 TABLE OF CONTENTS 
  

			
	 CERTIFICATE SCHEDULE PAGE
	  	Insert
		
	 DEFINITIONS
	  	
	 Accumulation Phase
	  	4
	 Accumulation Unit
	  	4
	 Annuity Date
	  	4
	 Beneficiary
	  	4
	 Business Day
	  	4
	 Certificate
	  	4
	 Certificate Anniversary
	  	4
	 Certificate Date
	  	4
	 Certificate Schedule
	  	4
	 Certificate Year
	  	4
	 Contract
	  	4
	 Contractholder
	  	4
	 Fixed Account
	  	4
	 General Account
	  	5
	 Home Office
	  	5
	 Income Phase
	  	5
	 Internal Revenue Code (IRC)
	  	5
	 Investment Options
	  	5
	 NYSE
	  	5
	 Participant
	  	5
	 Participant Account
	  	5
	 Participant Account Value
	  	5
	 Plan
	  	5
	 Portfolio
	  	5
	 Purchase Payments
	  	5
	 Separate Account
	  	5
	 Sub-Account
	  	5
	 Surrender Value
	  	5
	 Symetra
	  	5
	 Variable Account
	  	5
		
	 THE ANNUITY CONTRACT
	  	
	 ABOUT THE CONTRACT
	  	6
	 BENEFICIARY
	  	7
		
	 PURCHASE PAYMENTS
	  	
	 MINIMUM PURCHASE PAYMENT
	  	7
	 CONTRACTHOLDER’S PAYMENTS
	  	7
	 ALLOCATION OF PURCHASE PAYMENTS
	  	8
		
	 INVESTMENT OPTIONS
	  	
	 THE FIXED ACCOUNT
	  	9
	 Interest Crediting
	  	9
	 Interest Compounding
	  	10
	 Guaranteed Minimum Value
	  	10

  

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	 THE VARIABLE ACCOUNT
	  	10
	 Substitution of Shares
	  	10
	 Accumulation Units
	  	10
	 Net Investment Factor
	  	11
	 PARTICIPANT ACCOUNT VALUE
	  	11
		
	 WITHDRAWALS AND TRANSFERS
	  	
	 WITHDRAWALS
	  	11
	 TRANSFERS
	  	12
	 TRANSFER REQUESTS
	  	13
	 LIMITS ON EXCESSIVE TRANSFERS
	  	13
		
	 ANNUITY PAYMENT PROVISIONS
	  	
	 ANNUITY OPTIONS
	  	13
	 Life Annuity
	  	14
	 Life Annuity with Guaranteed Period
	  	14
	 Joint and Survivor Life Annuity
	  	15
	 Joint and Survivor Life Annuity with Guaranteed Period
	  	15
	 Automatic Option
	  	15
		
	 DEATH BENEFIT PROVISIONS
	  	
	 DEATH OF PARTICIPANT Prior to the Annuity Date
	  	15
	 Guaranteed Minimum Death Benefit
	  	15
	 Calculation of Death Benefit
	  	16
	 Limitation on Death Benefit
	  	17
	 Payment of Death Benefit
	  	17
	 DEATH OF PARTICIPANT On or After the Annuity Date
	  	17
		
	 CHARGES
	  	
	 ANNUAL ADMINISTRATION MAINTENANCE CHARGE
	  	18
	 WITHDRAWAL CHARGE
	  	18
	 TRANSFER CHARGE
	  	18
	 SURRENDER CHARGE
	  	18
	 DAILY CHARGES
	  	19
	 Mortality and Expense Risk Charge
	  	19
	 Sub-Account Fund Facilitation Fee
	  	19
	 PREMIUM TAXES
	  	19
	 INCOME OR OTHER TAXES
	  	19
		
	 CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS
	  	
	 REQUIRED MINIMUM DISTRIBUTIONS
	  	20
	 MINIMUM DEATH BENEFIT DISTRIBUTIONS
	  	20
	 DIRECT ROLLOVERS
	  	20
	 NONQUALIFIED DEFERRED COMPENSATION PLANS
	  	21
	 GOVERNMENTAL 457(b) PLAN
	  	21
		
	 GENERAL PROVISIONS
	  	
	 ACCOUNT STATEMENTS
	  	21
	 ASSIGNMENT OF BENEFITS
	  	21
	 CERTIFICATES
	  	21
	 COMMUNICATIONS
	  	21

  

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	 CHANGES TO CERTIFICATE
	  	22
	 ESSENTIAL DATA
	  	22
	 EVIDENCE OF SURVIVAL
	  	22
	 EXCLUSIVE BENEFIT
	  	22
	 FUTURE PURCHASE PAYMENTS
	  	22
	 MISSTATEMENT OF AGE
	  	22
	 NON-PARTICIPATION
	  	23
	 PLAN PROVISIONS
	  	23
	 SEPARATE ACCOUNT
	  	23
	 STATE REQUIRED BENEFITS AND JURISDICTION
	  	23
	 SUSPENSION OF WITHDRAWALS OR TRANSFERS/DEFERRAL OF PAYMENT
	  	23
	 TERMINATION OF CONTRACT
	  	24
	 VOTING RIGHTS
	  	24
		
	 TABLES
	  	
	 FIXED ANNUITY PURCHASE RATE TABLE
	  	25
	 FIXED ACCOUNT VALUE TABLES
	  	27

  

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 DEFINITIONS 
  

	 Accumulation Phase  
	The period between the date we allocate a Participant’s first Purchase Payment and the Annuity Date. 

  

	 Accumulation Unit  
	A unit of measure used to calculate the value in a Sub-Account prior to the Annuity Date. 

  

	 Annuity Date  
	The date on which annuity payments start under an annuity option for the benefit of a Participant or the Participant’s Beneficiary. This date must be before the Participant is age [96].


  

	 Beneficiary  
	The person(s) or entity(ies) entitled to receive any Certificate benefits under the Contract upon the Participant’s death. 

  

	 Business Day  
	Any day the New York Stock Exchange is open for regular trading. 

  

	 Certificate  
	This document evidencing a Participant’s interest in the Contract and describing the benefits available to the Participant. 

  

	 Certificate Anniversary  
	The anniversary of the Certificate Date. 

  

	 Certificate Date  
	The date the initial Purchase Payment is allocated to the Participant Account. 

  

	 Certificate Schedule  
	The schedule page that is attached to each Certificate. 

  

	 Certificate Year  
	The twelve-month period starting on the Certificate Date and each anniversary of that date. 

  

	 Contract  
	The group variable annuity contract by and between Symetra and the Contractholder. 

  

	 Contractholder  
	The employer or other entity identified as the Contractholder on the application, entitled to exercise all rights and privileges for the Contract and to whom the Contract is issued.


  

	 Fixed Account  
	The Investment Option in the Contract that provides for guaranteed interest and is part of Symetra Life’s General Account. 

  

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 DEFINITIONS (continued) 
  

	 General Account  
	The General Account consists of all assets of Symetra other than those allocated to a Separate Account. 

  

	 Home Office  
	[777 108th Avenue NE, Suite 1200, Bellevue, WA 98004]. 

  

	 Income Phase  
	The period beginning on the Annuity Date during which the Participant receives annuity payments. 

  

	 Internal Revenue Code (IRC)  
	The Internal Revenue Code of 1986, as amended or revised. 

  

	 Investment Options  
	Those investments available under the Contract, as shown on your Certificate Schedule. 

  

	 NYSE  
	The New York Stock Exchange. 

  

	 Participant  
	A person for whom an account is established under the Plan as directed by the Contractholder. 

  

	 Participant Account  
	The individual account established for a Participant to record the Participant Account Value. 

  

	 Participant Account Value  
	The sum of the values of the Sub-Accounts and the Fixed Account allocated to the Participant that have not been applied to provide annuity payments. 

  

	 Plan  
	The retirement plan established by the employer and qualified under IRC Section 403(b) or 457 of the IRC for which the Contract is used as a funding vehicle. 

  

	 Portfolio  
	The fund in which the corresponding Sub-Account invests. 

  

	 Purchase Payments  
	The amounts paid to Symetra for allocation under the Contract, less any premium tax due at the time the payment is made. 

  

	 Separate Account  
	Symetra Separate Account C, a segregated asset account established under Washington law. 

  

	 Sub-Account  
	A division of the Separate Account for which Accumulation Units are separately maintained. Each Sub-Account invests exclusively in a particular Portfolio. 

  

	 Surrender Value  
	The Participant Account Value minus any applicable surrender charge, withdrawal charge, and annual administration maintenance charge. 

  

	 Symetra  
	Symetra Life Insurance Company. 

  

	 Variable Account  
	The account that reflects a Participant’s interest in the Sub-Accounts. 

  

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 THE ANNUITY CONTRACT 
  

	 ABOUT THE CONTRACT  
	The Contract and this Certificate issued under it are issued pursuant to the Plan that qualifies for tax-favored treatment under Section 403(b) or Section 457 of the Code. The Contract
is an agreement between Symetra and the Contractholder, where we promise to pay you an income in the form of annuity payments, pay cash in the form of withdrawals, or pay a death benefit to Beneficiaries in accordance with the terms of the Contract
and subject to the terms of the Plan. When money is invested by you in the Variable Account and/or the Fixed Account, your Certificate is in the Accumulation Phase. When you begin receiving annuity payments, your Certificate is in the Income Phase.


 The Contract is held pursuant to the Plan, and we establish Participant Accounts at the direction of the
Contractholder. You will be required to complete an application with all the information we require to administer your interest in the Contract. You cannot be older than the maximum Participant issue age shown on your Certificate Schedule. Upon our
acceptance of your application, we will issue you a Certificate reflecting your interest in the Contract. Your Certificate is not a part of the Contract. 
 Symetra will issue an annuity or make a cash distribution to you or to any other person who is entitled to such benefits under the Plan subject to all of the following: 
  

	 	•	 	 the provisions of the Contract; 


  

	 	•	 	 the provisions of the Plan; and 


  

	 	•	 	 the written direction of the Contractholder or authorized Plan representative. 


 Symetra is not obligated to issue an annuity or cash distribution until it receives the Contractholder or authorized Plan
representative’s written direction containing all of the following: 
  

	 	•	 	 terms and conditions; 


  

	 	•	 	 manner and amount; and 


  

	 	•	 	 the written certification that such annuity or cash distribution is in accordance with the provisions of the Plan. 



Symetra may rely on the written direction of the Contractholder or authorized Plan representative and will not be liable for any failure
to question or challenge such direction and certification regarding the issuance of an annuity or payment of a cash distribution. To the extent

  

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provided by the Plan, any rights that may be exercised by you under the Contract may instead be exercised by the Contractholder or a Plan representative. The Plan, including certain Plan
provisions required by the Employee Retirement Income Security Act of 1974 (ERISA) or other applicable law, may limit your rights under the Contract. 
  

	 BENEFICIARY  
	The Beneficiary receives any death benefit payable in accordance with the provisions of the Contract. If allowed under the Plan, you may name the Beneficiaries on the Participant application. If
no Beneficiary is named, we will pay your estate. Changes in Beneficiary designation take effect on the date the designation is signed by the Contractholder, subject to any payments made or actions taken by the insurer prior to receipt of the
notice. 

 You may designate two or more Beneficiaries to receive separate percentage interests in death benefits
payable under the Contract. Each such Beneficiary must separately exercise the right that a Beneficiary has under the Contract. 
 The Plan may require that your spouse be designated as Beneficiary. 
 PURCHASE PAYMENTS 
  

	 MINIMUM PURCHASE PAYMENT 
	The minimum Purchase Payment per Participant is as shown on your Certificate Schedule and is subject to the Plan’s requirements. 

  

	 CONTRACTHOLDER’S PAYMENTS 
	During the Accumulation Phase, the Contractholder may make periodic payments to Participant Accounts. The Contractholder or authorized Plan representative will specify for such payments
the amount to be allocated to you. 

 The amount allocated to you will be considered to be a payment made on your
behalf. You or the Contractholder, may change the amount and frequency of Purchase Payments. If Purchase Payments stop, all benefits under your Certificate continue until your entire Participant Account Value is completely withdrawn. We will not
accept any Purchase Payments on behalf of a deceased Participant. The Plan may limit your rights to make Purchase Payments and limit the maximum allowable for any calendar year. 
  

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 Purchase payments must be in lawful currency of the United States and
submitted to [our Home Office at 777 108th Avenue NE Suite
1200, Bellevue, WA 98004-5135 or P.O. Box 3882, Seattle, WA 98124-3882], or in a manner agreed to by Symetra. 
 If the amount
to be allocated to you cannot currently be determined, we will return the payments to the Contractholder or authorized representative. 
 We reserve the right to reject any application by a Participant who is ineligible for the Certificate, any incomplete application, or any Purchase Payment that 
  

	 	•	 	 does not meet the minimum payment amount shown on your Certificate Schedule; 


  

	 	•	 	 is allocated to the Fixed Account and that we are not able to invest such that we can credit at least the minimum guaranteed interest rate;



  

	 	•	 	 exceeds $1 million; 


  

	 	•	 	 is received without the necessary information to process the payment; 


  

	 	•	 	 is made for market timing purposes; or 


  

	 	•	 	 is otherwise contrary to law for Symetra to accept. 


 All Purchase Payments are subject to acceptance and approval by Symetra. If we do not accept a Purchase Payment, we will return it within five business days. If we change the availability of allocations
to the Fixed Account, we will provide you and the Contractholder with notice at least 31 days prior to the date regarding the change in the availability. 
  

	 ALLOCATION OF PURCHASE PAYMENTS 
	Your initial Purchase Payment will be allocated according to the instructions on your application. Unless we are told otherwise, subsequent Purchase Payments will be allocated in the same
proportion as the most recent Purchase Payment (unless it is a Purchase Payment you direct us to allocate on a one-time-only basis). 

 Once we receive the Purchase Payment, the allocation to the Sub-Accounts is effective and valued as of the next close of the NYSE and the allocation to the Fixed Account is valued as of the day we receive
the Purchase Payment on a day we are open for business. All subsequent Purchase Payments and transfers are valued in the same manner. 
 The Contractholder has the right to examine and cancel the Contract by the law of the state where the Contract is delivered. If the Contractholder cancels the Contract by sending us a written request during this period, the Contract will
become void and Participant Accounts established during this period will be void. 
  

 8 








 When we are required to guarantee a return of Purchase Payments during the “Right to
Examine” period by the law of the state where the Contract is delivered, we reserve the right to initially apply amounts to the [Money Market] Sub-Account. These amounts will then be allocated in the manner selected by you, unless the Contract
or Certificate is canceled. 
 INVESTMENT OPTIONS 
  

	 THE FIXED ACCOUNT  
	All Purchase Payments and transfers to the Fixed Account will become part of the General Account to be so used and invested and will not be segregated from Symetra’s other assets.


  

	 Interest Crediting  
	Symetra establishes the annual effective interest rates that apply to Purchase Payments and transfers. In no event will the annual effective interest rate credited to monies deposited in the
Fixed Account be less than the minimum guaranteed interest rate as shown on your Certificate Schedule. 

 Each
Purchase Payment and transfer will be credited with the annual effective interest rate established for the date that Symetra receives the Purchase Payment or transfer. The rate is guaranteed for at least 12 months from the date we receive the
Purchase Payment or transfer. 
 We can adjust the annual effective interest rate after the completion of that initial period.
The adjusted rate will apply to Purchase Payments and transfers and their credited interest for at least 12 months, when the rate can again be adjusted. From then on, we cannot adjust the annual effective interest rate more often than every 12
months. 
 Different annual effective interest rates may apply to each of the Purchase Payments or transfers depending on the
annual effective interest rate established for the date Symetra received the Purchase Payment or transfer and any subsequent rate adjustments. 
 For the purpose of crediting interest, when a withdrawal is made from the Fixed Account, the Purchase Payment or transfer last made and the interest credited to it are withdrawn first. 
  

 9 








 If Purchase Payments cease being allocated to the Fixed Account, Symetra will continue to
credit the balance of the Fixed Account with the applicable annual interest rate(s). 
  

	 Interest Compounding  
	Symetra credits interest daily on each Purchase Payment and transfer allocated to the Fixed Account from the date we receive the funds up to, but not including, the date funds are withdrawn from
the Fixed Account. Annual effective interest rates show the effect of daily compounding of interest over a 12-month period. 

  

	 Guaranteed Minimum Value 
	Upon a total annuitization, total withdrawal from the Fixed Account, or your death, the minimum value that will be applied towards regular payments or paid to you or your
Beneficiary will not be less than 90% of your Purchase Payments and transfers allocated to the Fixed Account accumulated at an annual effective interest rate of 3% each year, less prior withdrawals and transfers from the Fixed Account accumulated at
an annual effective interest rate of 3% each year. If necessary to meet this minimum, charges will be waived. 

  

	 THE VARIABLE ACCOUNT  
	Purchase Payments and transfers may be allocated to the Sub-Accounts available under this Certificate. We reserve the right to add, combine, restrict, or remove any Investment Option
available under this Certificate. The investment performance of a Sub-Account may be positive or negative. 

  

	 Substitution of Shares  
	If any shares of the Sub-Accounts are no longer available, or if in our view no longer meet the purpose of the Contract, it may be necessary to substitute shares of another Sub-Account. We will
seek prior approval of the Securities and Exchange Commission (SEC) to the extent required by law and give Participants notice before doing this. 

  

	 Accumulation Units  
	When Purchase Payments or transfers are made into a Sub-Account, we credit the Certificate with Accumulation Units. Similarly, when a withdrawal or transfer of money from a Sub-Account is made,
Accumulation Units are liquidated. In either case, the increase or decrease in the number of Accumulation Units is determined by taking the dollar amount of the Purchase Payment, transfer, or withdrawal and dividing it by the value of an
Accumulation Unit. 

 We calculate the value of an Accumulation Unit for each Sub-Account after the NYSE closes
each day. To determine the current Accumulation Unit value, we take the prior day’s Accumulation Unit value and multiply it by the net investment factor for the current day. 
  

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	 Net Investment Factor  
	The net investment factor is used to measure the daily change in the Accumulation Unit value for each Sub-Account. The net investment factor equals: 

  

	 	•	 	 The net asset value per share of the applicable Portfolio at the end of the current day plus the per share amount of any dividend or income
distributions made by the Portfolio that day; divided by 


  

	 	•	 	 The net asset value per share of a Portfolio at the end of the prior day plus the per share amount of any dividend or income distributions made by the
Portfolio that day; minus 


  

	 	•	 	 The daily charges, expressed as a percentage of the total net assets of the Sub-Account. 


 The Accumulation Unit value will usually go up or down from Business Day to Business Day. 
  

	 PARTICIPANT ACCOUNT VALUE 
	The Participant Account Value is the sum of the Variable Account and the Fixed Account attributable to you. We calculate this by: 

  

	 	•	 	 Adding all Purchase Payments invested on your behalf; 


  

	 	•	 	 Subtracting charges; 


  

	 	•	 	 Subtracting the withdrawals that have been made; 


  

	 	•	 	 Adjusting for each Sub-Account’s gain or loss; 


  

	 	•	 	 Adding the interest we credit while any of your Participant Account Value is in the Fixed Account; 


  

	 	•	 	 Subtracting the amounts withdrawn for an annuity option; and 


  

	 	•	 	 Subtracting the amounts withdrawn to pay death benefits. 


 WITHDRAWALS AND TRANSFERS 
  

	 WITHDRAWALS  
	Subject to the provisions of the Plan, which may restrict the time when you may elect to receive payments, you may withdraw part or all of your Participant Account Value. The minimum amount that
you may withdraw is shown on your Certificate Schedule. If you withdraw your entire Participant Account Value, your Certificate will terminate. If we have not received a contribution to your Certificate in the last twelve months, and, after a
withdrawal, your remaining Participant Account Value would be less than the minimum amount shown in the withdrawals section of your Certificate Schedule, you must withdraw your entire Participant Account Value and your Certificate will terminate.


  

 11 








 To take withdrawals you must send a written request to our Home Office. Unless we are told
otherwise, partial withdrawals will be made pro rata from each Investment Option. Once we receive the request, withdrawals from the Sub-Accounts will be effective as of the next close of the NYSE. A withdrawal may have a surrender charge, a
withdrawal charge, and, if the entire value of your Participant Account Value is being withdrawn, an annual administration maintenance charge. The Plan may require spousal consent before you may withdraw money. You may request repetitive withdrawals
of a predetermined amount on a monthly, quarterly, or annual basis by completing the appropriate form(s). 
  

	 TRANSFERS  
	During the Accumulation Phase, transfers among the Sub-Accounts and the Fixed Account may be made by you. The minimum amounts that can be transferred are shown on your Certificate Schedule. In
each Certificate Year, a specified number of transfers is free of charge. Each additional transfer in a Certificate Year may have a transfer charge. The number of free transfers and the transfer charge are shown on your Certificate Schedule. If any
transfer reduces the remaining balance in your Sub-Account or Fixed Account to less than the amount shown on your Certificate Schedule, the entire balance of that Sub-Account or Fixed Account will be transferred. 

 As shown on your Certificate Schedule, only a portion of your Fixed Account may be transferred to the Sub-Accounts in any Certificate Year.
After a transfer from the Fixed Account, transfers may not be made back to the Fixed Account for the time period shown on your Certificate Schedule unless such transfer is part of a Symetra-approved Investment Option rebalancing program. 

Also, we reserve the right to modify, suspend, or terminate transfer privileges at any time. In addition, if we receive a transfer
request that is to be allocated to the Fixed Account and we are not able to invest the money such that we can credit at least the minimum guaranteed interest rate, we reserve the right to reject the portion of the transfer request that was to be
allocated to the Fixed Account. We will provide you, and the Contractholder, notice at least 31 days prior to the date regarding changes in the availability of the Fixed Account. 
  

 12 









	 TRANSFER REQUESTS 
	Symetra will accept transfer requests by signed written request or at our discretion, by telephone, or if available, electronically by the Internet. Each transfer must identify:


  

	 	•	 	 the Certificate; 


  

	 	•	 	 the amount of the transfer; and 


  

	 	•	 	 which investment options are affected. 


 Symetra will not be liable for any failure to question or challenge such request for transfer as long as there is a valid signed authorization on record at Symetra. 
  

	 LIMITS ON EXCESSIVE TRANSFERS 
	We may restrict or eliminate the right to make transfers to and from Sub-Accounts if such rights are executed by the Contractholder or a Participant, a market timing firm, or
another third party authorized to initiate transfers. For example, we reserve the right to reject any transfer request if, in our judgment, the transfer is part of a pattern of transfers that may disadvantage other contract owners or would cause a
Portfolio to be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected. In addition, if we or any affected Portfolio believes any Participant is engaging in
activity as described above or similar market timing activity that may hurt the rights or interests of other Contractholders or Participants, we have the right to restrict the number of transfers permitted by such Participant or the manner in which
transfers are requested by such Participant. 

 We will monitor transfer activity occurring among the
Sub-Accounts and may modify these transfer restrictions at any time if we deem it necessary to protect the interest of all contract owners. These modifications may include curtailing or eliminating, without notice, certain methods of requesting
transfers, such as the use of the telephone or the Internet. Portfolios may have their own market timing policies and procedures and impose redemption fees for short-term investments in the Portfolios. We have the right to deduct those redemptions
fees from the Participant Account Value. 
 ANNUITY PAYMENT PROVISIONS 
  

	 ANNUITY OPTIONS 
	The Income Phase will start no later than the maximum annuitization age shown on your Certificate Schedule, or an earlier date if required by law. During the Income Phase, you may receive
monthly, quarterly, semi-annual or annual annuity payments beginning on the Annuity Date. The Plan may require spousal consent before you elect annuity payments and may require that any distribution be in the form of a joint and survivor annuity for
you and your spouse. 

  

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 To start the Income Phase, we must be notified in writing at least 30 days prior to the
date that annuity payments are to begin. Annuity payments will be made under an annuity option described in your Certificate or another annuity option that you want, the Contractholder authorizes, and that we agree to provide. If the amount applied
to an annuity option is less than $2,000, we may make payment in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable.
Once annuity payments begin, you cannot switch back to the Accumulation Phase, add Purchase Payments, change or add an annuitant, or change the annuity option. When you start the Income Phase, the guaranteed minimum death benefit and the guaranteed
minimum value will no longer be applicable. 
 You may choose to annuitize a portion of your Participant Account Value. In this
situation, your Participant Account Value will be divided into two parts. The non-annuitized portion would remain in the Accumulation Phase, while the annuitized portion would be moved to the Income Phase. At this point, the guaranteed minimum death
benefit would be proportionately reduced by the amount of your Participant Account Value withdrawn and applied to purchase the annuity payments. 
 The Contract offers only fixed annuity options. Annuity payments will be determined by applying your Participant Account Value to the Fixed Annuity Purchase Rate Table in your Certificate, or the current
rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. All annuity options require the naming of an annuitant. You, the Participant, are the
annuitant whose life is used to determine annuity payments, and the person receiving annuity payments once annuity payments begin. 
  

	 Life Annuity 
	The Participant receives annuity payments as long as the Participant is living. Annuity payments stop when the Participant dies. 

  

	 Life Annuity with Guaranteed Period 
	 The Participant receives annuity payments as long as the Participant is living. If the Participant dies before all guaranteed payments have been made, we will continue



  

 14 








 
payments for the remainder of the guaranteed period. Annuity payments stop the later of the date the Participant dies or the date the last guaranteed payment is made. The guaranteed period must
be for a period of five or more years as selected by the Participant and agreed to by us. 
  

	 Joint and Survivor Life Annuity 
	The Participant receives annuity payments as long as the Participant is living. After the Participant dies, we will continue to make a specified percentage of each annuity payment,
to the joint annuitant, as long as the joint annuitant is living. The joint annuitant and payment percentage must be specified at the time this option is elected. Annuity payments stop the later of the date the Participant dies or the date the joint
annuitant dies. 

  

	 Joint and Survivor Life Annuity with Guaranteed Period 
	The Participant receives annuity payments as long as the Participant is living. The full annuity payment will be paid until the end of the guarantee period. If the
Participant is alive when the guaranteed period ends, the full annuity payment will continue to be paid. If the Participant dies and the joint annuitant is alive and the guaranteed period has ended, a percentage of the annuity payment amount will
continue to be paid, as long as the joint annuitant is alive. If the Participant dies and the joint annuitant is living, payments will be made to the joint annuitant. The joint annuitant and payment percentage must be specified at the time this
option is elected and cannot be changed once the Income Phase begins. The guaranteed period must be for a period of five or more years as selected by the Participant and agreed to by us. 

  

	 Automatic Option 
	If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed for the Certificate, we will make fixed annuity payments under the Life Annuity with
Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. 

 DEATH BENEFIT PROVISIONS

  

	 DEATH OF PARTICIPANT 
	If you die prior to the Annuity Date, we will pay a death benefit to : 

 Prior to the Annuity Date 

	 	•	 	 your surviving primary Beneficiary(ies); or if none, then 


  

	 	•	 	 your surviving contingent Beneficiary(ies); or if none, then 


  

	 	•	 	 your estate. 


  

	 Guaranteed Minimum Death Benefit 
	 Initially, your guaranteed minimum death benefit will be equal to the first Purchase Payment received. It is increased by additional Purchase Payments



  

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and proportionately reduced for withdrawals and applicable charges. After each withdrawal or applicable charge, the guaranteed minimum death benefit will be recalculated by multiplying the prior
guaranteed minimum death benefit by the ratio of your Participant Account Value after the withdrawal or applicable charge to your Participant Account Value before the withdrawal or applicable charge. 
  

	 Calculation of Death Benefit 
	If you are under age 75 at the time of death, the death benefit on the calculation date is the sum of (1) your Participant Account Value; plus (2) any excess of the
guaranteed minimum death benefit over your Participant Account Value. If you are age 75 or older at the time of death, the death benefit is your Participant Account Value. 

 When determining (1) and (2) above, the calculations are based on the earlier of: 
  

	 	•	 	 the date we receive proof of death and the first election of how to take the death benefit payment; or 


  

	 	•	 	 six months from the date of death. 


 If we receive due proof of death and the first death benefit payment election within 6 months of the date of death: If the guaranteed minimum death benefit exceeds your Participant Account Value,
we will add the difference to your Participant Account on the date we receive the required information so that your Participant Account Value will equal the guaranteed minimum death benefit. This additional amount will be allocated to the Investment
Options in the same proportion that Purchase Payments were last allocated. Thereafter, your Participant Account Value will be subject to investment performance and applicable charges until the date the death benefit is paid. 
 If we receive due proof of death and the first death benefit payment election more than 6 months after the date of death: If the
guaranteed minimum death benefit exceeds your Participant Account Value on the 6-month anniversary of the date of death, we will add the required amount and credit the addition with interest at the currently offered [money market] Sub-Account rate
from the 6-month anniversary until the date we receive the required information. At that time we will allocate this additional amount, with the credited interest, to the Investment Options in the same proportion that Purchase Payments were last
allocated. Thereafter, your Participant Account Value will be subject to investment performance and applicable contract charges until the date the death benefit is paid. 
  


 16 









	 Limitation on Death Benefit 
	At most, one guaranteed minimum death benefit will be paid. In addition, the maximum amount that we will add to your Participant Account Value is limited to $1 million. This
limitation applies to any amount added to your Participant Account so that your Participant Account Value equals the guaranteed minimum death benefit. All annuity contracts and certificates subsequently purchased by you from Symetra will be
aggregated for this $1 million limit if your death triggers a payment. 

  

	 Payment of Death Benefit 
	To pay the death benefit, we need proof of death acceptable to us, such as a certified copy of a death certificate, plus written direction regarding how to pay the death benefit
payment. 

 Upon receiving due proof of death, we will credit interest at the rate required by law. 

Unless the terms of the Plan or other requirements apply, the death benefit will be paid as: 
  

	 	•	 	 a lump sum payment or series of withdrawals that are completed within five years from the date of death; or 


  

	 	•	 	 annuity payments made over the Beneficiary’s life or life expectancy. To receive annuity payments, the Beneficiary must make this election within
60 days from our receipt of proof of death. Annuity payments must begin within one year from the date of death. Once annuity payments begin, they cannot be changed. 


 If a person entitled to receive a death benefit dies before the death benefit is distributed but after your death, we will pay the death
benefit to that person’s named beneficiary or, if none, to that person’s estate. 
  

	 DEATH OF PARTICIPANT
 On or After the Annuity Date 
	If you die after the Annuity Date, any amounts paid will depend on the annuity option then in effect. We will continue to make annuity payments, if any, in accordance with the
annuity option chosen. 

 When the last annuitant dies, we will pay any remaining guaranteed payments as follows:

  

	 	•	 	 to the primary Beneficiary, if living, otherwise to; 


  


	 	•	 	 the contingent Beneficiary(ies), if living, otherwise to; 


  

	 	•	 	 the annuitant’s estate. 


  

 17 








 CHARGES 
 Symetra deducts the following charges and fees: 
 ANNUAL
ADMINISTRATION 

	 MAINTENANCE CHARGE 
	The annual administration maintenance charge, shown on your Certificate Schedule, will bededucted on the last day of your Certificate Year and in the event of a full
withdrawal of your Participant Account Value. 

 The charge is deducted from the Sub-Account with the highest
balance. If there is not enough money in the Sub-Accounts to cover the charge, we will deduct the full or remaining charge from the portion of your Participant Account Value allocated to the Fixed Account. 
 We will not deduct this charge if your Participant Account Value is at least equal to the amount shown on your Certificate Schedule when
the deduction is to be made. We do not deduct this charge for amounts applied to purchase an annuity option or to pay death benefits. 
  

	 WITHDRAWAL CHARGE 
	The withdrawal charge, as shown on your Certificate Schedule, is deducted for each withdrawal after the first withdrawal in a Certificate Year. This charge will be deducted from your
remaining Participant Account Value, unless we are instructed otherwise. 

 We will not deduct this charge for:

  

	 	•	 	 annuity payments; 


  

	 	•	 	 repetitive withdrawals; 


  

	 	•	 	 withdrawals using electronic funds transfer; or 


  

	 	•	 	 withdrawals of your entire Participant Account Value. 


  

	 TRANSFER CHARGE 
	The transfer charge is deducted from the Investment Option for each transfer in excess of the number of free transfers allowed in a Certificate Year. The transfer charge and the number of
free transfers are shown on your Certificate Schedule. The charge will be deducted from the amount being transferred. 

 Scheduled transfers authorized by us as part of an investment strategy, such as dollar cost averaging, appreciation sweep, Investment Option rebalancing, or Symetra approved asset allocation programs do not count against your allowed number
of free transfers. 
  

	 SURRENDER CHARGE 
	 The surrender charge, as shown on your Certificate Schedule, is deducted from the total withdrawal amount prior to us making payment to you. Unless you tell us



  

 18 








 
otherwise, we will deduct the surrender charge on a partial withdrawal in the same manner. This charge is a percentage of the amount withdrawn. 
 You may withdraw 10% of your Participant Account Value each Certificate Year without a surrender charge. The determination of whether more
than 10% of your Participant Account Value has been withdrawn is made at the time of withdrawal. If you take more than one withdrawal in a Certificate Year, the previous withdrawals in the Certificate Year are added to your current Participant
Account Value to determine whether more than 10% of your Participant Account Value has been withdrawn in that Certificate Year. 
  

	 DAILY CHARGES 
	Each day we make deductions for some charges. We do this as part of our calculation of the value of the Accumulation Units. The daily charges are as follows: 

  

	 Mortality and Expense Risk Charge 
	The mortality and expense risk charge is equal, on an annual basis, to a percentage of the average daily net assets of each Sub-Account. The percentage is shown on your Certificate
Schedule. 

  

	 [Sub-Account Fund Facilitation Fee 
	The Sub-Account is equal, on an annual basis, to a percentage of the average daily net assets invested in the [Vanguard] and [Calvert] Sub-Account(s). The percentage is shown on your Certificate
Schedule.] 

  

	 PREMIUM TAXES 
	In states where they are applicable, we reserve the right to make a deduction from your Participant Account Value for the payment of premium taxes assessed in connection with your
Participant Account Value as shown on your Certificate Schedule. 

  

	 INCOME OR OTHER TAXES 
	Currently we do not pay income or other taxes on earnings attributable to the Contract. However, if we ever incur such taxes, we reserve the right to deduct them from the
Participant Account Values. 

 CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS 
 The Contract may be subject to further restrictions as provided below or as provided in any Endorsement attached hereto and made a part of the Contract,
depending on the type of retirement plan for which the Contract is used for a funding vehicle. 
  

 19 









	 REQUIRED MINIMUM DISTRIBUTIONS 
	The Participant’s benefits under the Certificate must satisfy minimum distribution rules of the applicable section of the IRC and regulations thereunder. The IRC sections which apply
are: (i) Section 401(a)(9) for contracts issued for a Plan intended to meet Sections 403(a); (ii) Section 403(b)(10) for Section 403(b) contracts, and (iii) Section 457(d) for deferred compensation plans under
Section 457. These minimum distribution rules generally require that benefits begin after the Participant is 70 1/2 years old and that the minimum amount is paid each year. Payments may be made in the form of annual withdrawals or under an annuity option. Minimum withdrawals are set each year
based on the Participant Account Value and the life expectancy of the Participant and the Participant’s Beneficiary. If the Participant’s Beneficiary is not the Participant’s spouse, the annual withdrawal must meet the minimum
incidental benefit requirements. If the Participant elects payments under any annuity option, the guaranteed or expected period of the annuity payments may not exceed the Participant’s life expectancy and that of the Participant’s
Beneficiary at the Annuity Date or a shorter period if the Participant’s Beneficiary is not the Participant’s spouse. 

  

	 MINIMUM DEATH BENEFIT DISTRIBUTIONS 
	The death benefit, if any, payable to the Participant’s Beneficiary must also satisfy the rules of Section 403(b)(10) or Section 457(d), whichever may be applicable, and
the regulations thereunder. The Beneficiary may satisfy these rules by receiving a lump sum, annual withdrawals, or payments under an annuity option in accordance with these rules. If the Participant dies before withdrawals have started, the
Participant Account Value must be distributed (1) by the December 31st of the year which contains the fifth anniversary of the Participant’s death, or over a designated Beneficiary’s life expectancy. A surviving spouse may wait to begin payments until the year the
Participant would have reached age 70 1/2. If the
Participant dies after payments under an annuity option have begun, the death benefit will be paid at least as rapidly as under the annuity option the Participant selected. 

  

	 DIRECT ROLLOVERS 
	A Participant may be able to receive a benefit under this Certificate as an eligible rollover distribution as defined in the IRC. The Participant has the right to elect to have the eligible
rollover distribution paid directly to an eligible retirement plan. Except for eligible rollover distributions, we reserve the right to make payments only to the Participant or the Participant’s Beneficiary. 

  

 20 









	 NONQUALIFIED DEFERRED COMPENSATION PLANS 
	If the Contract is issued for a nonqualified deferred compensation plan, the Contractholder possesses all rights under the Contract. The Contractholder may direct that all
payments from the Contract be made to the Contractholder, or the Contractholder may direct that payments be made directly to Participants and Beneficiaries. Participants and Beneficiaries have no rights under such Contracts. The Contractholder may
authorize Participants and Beneficiaries to make certain elections under the Contract or may revoke that authorization at any time. 

  

	 GOVERNMENTAL 457(b) PLAN 
	Notwithstanding the foregoing, if the Contract is issued for an employer that is a governmental entity and the Plan is an eligible Plan under IRC section 457(b), the Contract’s
assets and income, including the assets and income of this Certificate, shall be held for the exclusive benefit of the Participants and the Participants’ Beneficiaries. 

 GENERAL PROVISIONS 
  

	 ACCOUNT STATEMENTS 
	At least once each calendar year we will furnish you with a statement showing your Participant Account Value. 

  

	 ASSIGNMENT OF BENEFITS 
	Neither the Contract nor your Certificate may be sold transferred, assigned, discounted, or pledged as collateral for a loan (other than a loan taken against your Participant
Account Value, which is authorized by the Plan and subject to IRC requirements) or as security for the performance of an obligation or for any other purpose. The benefits, values, and rights under the Contract and your Certificate are not
transferable or subject to any creditor claims to the fullest extent permitted by law except under a domestic relations order properly issued by a court of competent jurisdiction and that complies with ERISA, if applicable. 


 

	 CERTIFICATES 
	Symetra will issue a Certificate for each Participant for whom an account is established under the Contract. 

 Your Certificate will include the relevant provisions of the Contract and the benefits to which you are entitled. You will have rights
under the Contract only to the extent that Purchase Payments on your behalf are received by Symetra. The provisions of the Plan may limit your rights under the Contract. 
  

	 COMMUNICATIONS 
	All written communications to the Contractholder or to you will be addressed to the last known address of the Contractholder or you, respectively, on file with Symetra.


  

 21 








 All written communications to Symetra must be addressed to Symetra at its [Home Office at
777 108th Avenue NE, Suite 1200, Bellevue, Washington 98004-5135; P.O. Box 3882, Seattle, Washington 98124-3882.] 
 Unless
specifically provided otherwise, any notice of change, election, choice, option, or other exercise of rights given under your Certificate must be in writing on a form provided by us or in a manner acceptable to us. 
  

	 CHANGES TO THE CERTIFICATE 
	Only an authorized officer of Symetra may change the Contract and Certificates issued thereunder. Any change must be in writing. Symetra has the unilateral right to amend the
Contract to conform the Contract to any applicable state or federal law. All changes we make will be subject to any applicable regulatory requirements. 

  

	 ESSENTIAL DATA 
	The Contractholder and each person entitled to receive benefits under the Contract must provide us with any information we need to administer the Contracts, including Certificates issued
thereunder. We are entitled to rely exclusively on the completeness and accuracy of data furnished to us, and we will not be liable with respect to any omission or inaccuracy. 

  

	 EVIDENCE OF SURVIVAL 
	When benefits under your Certificate depend upon any person being alive on a given date, Symetra may require satisfactory proof that the person is living prior to paying the benefits.


  

	 EXCLUSIVE BENEFIT 
	The assets and income of the Contract and associated Certificates are held for the exclusive benefit of Participants and their Beneficiaries. Except as may be provided in the Plan, your
rights under the Contract are fully vested and nonforfeitable. 

  

	 FUTURE PURCHASE PAYMENTS 
	We may prohibit additional Purchase Payments under your Certificate upon written notice to the Contractholder. 

  

	 MISSTATEMENT OF AGE 
	We may require satisfactory proof of correct age at any time. If annuity payments are based on life or life expectancy and the age of any annuitant has been misstated, annuity payments
will be based on the corrected information. Underpayments will be made up in a lump sum with the next scheduled payment. Overpayments will be deducted from future payments until the total is repaid. We will not credit interest on underpayments or
charge interest on overpayments. 

  

 22 








 If your age has been misstated, the amount of any death benefit payable will be determined
based on your correct age. 
  

	 NON-PARTICIPATION 
	The Contract and associated Certificates are non-participating, which means they will not share in any distribution of profits, losses, or surplus of Symetra. 

  

	 PLAN PROVISIONS 
	Symetra is not a party to, nor bound by, any trust or Plan. However, the terms of your Certificate are subject to the provisions of any Plan under which your Certificate is issued.


  

	 SEPARATE ACCOUNT 
	The Separate Account holds the assets that underlie the Purchase Payments invested in the Sub-Accounts, including Participant Account Values. The assets in the Separate Account are the
property of Symetra. However, assets in the Separate Account that are attributable to contracts are not chargeable with liabilities arising out of any other business we may conduct. Income, gains and losses (realized and unrealized), resulting from
assets in the Separate Account are credited to or charged against the Separate Account without regard to other income, gains or losses of Symetra. 

 STATE REQUIRED BENEFITS AND 

	 JURISDICTION 
	The benefits of your Certificate will not be less than the minimum benefits required by the state law in which the Contract is delivered. 

 SUSPENSION OF WITHDRAWALS 

	 OR TRANSFERS/DEFERRAL 
	We may be required to suspend or postpone payment of withdrawals or transfers from the Sub-Accounts for any period of time when: 

  

	 	•	 	 the NYSE is closed (other than customary weekend or holiday closings); 


  

	 	•	 	 trading on the NYSE is restricted; 


  

	 	•	 	 an SEC-declared emergency exists such that disposal of or determination of the value of the Sub-Account shares is not reasonably practicable; or



  

	 	•	 	 the SEC, by order, so permits for your protection. 


 In addition, we retain the right to defer payment of withdrawals, surrenders, loans, or transfers from the Fixed Account for a period of 6 months after receiving the request. Prior to exercising our right
to defer payment, we will seek prior written approval of the appropriate state regulatory authorities if required by law to do so. The interest rates credited to the Fixed Account during this period will not be less than the rate required under
state law. 
  

 23 









	 TERMINATION OF CERTIFICATE 
	If you meet Plan requirements, you may surrender your Certificate for its Surrender Value at any time before you begin to receive annuity payments. For a surrender to be effective,
we must receive your written request at our Home Office with all the information we need to process it. All benefits will terminate as of the date we receive the required information to process your surrender request. We will determine your
Surrender Value as of the next close of the NYSE after we have received the required information to process your request. We will pay you the Surrender Value within 7 calendar days. 

  

	 TERMINATION OF CONTRACT 
	All benefit provisions under the Contract continue inforce until all Participant Account Values are completely withdrawn. 

 The Contract will terminate and cease to be of any further force or effect at the close of the first day upon which Symetra has completed
all of the duties and obligations that have arisen under the Contract. 
 The Contractholder must provide Symetra with written
notice of its intent to terminate the Contract not less than 30 days prior to the request to terminate. 
  

	 VOTING RIGHTS 
	Symetra is the legal owner of the Portfolios’ shares. However, when a Portfolio solicits proxies in connection with a shareholder vote, we are required to ask you for instructions as
to how to vote those shares. You, or the Beneficiary of a deceased Participant’s account, will have the right to give voting instructions and we will vote in accordance with the instructions we receive from you. We vote Portfolio shares for
which no timely instructions are received in proportion to the voting instructions that are received with respect to that Portfolio. For this reason, a small number of voting instructions may control the outcome of a vote. Should we determine that
we are no longer required to comply with the above, we will vote the shares in our own right. 

 There are no
voting rights with respect to values in the Fixed Account. 
  

 24 








 FIXED ANNUITY PURCHASE RATE TABLE 
 The rates in the Fixed Annuity Purchase Rate Table are based upon the Annuity 2000 Mortality Table blended 20% Male and 80% Female projected 20 years. The
effective interest rate assumed in the Fixed Annuity Purchase Rate Table is 2.00%. 
 The annuity purchase rates set out in the following Fixed
Annuity Purchase Rate Table are guaranteed by Symetra. 
 FIXED ANNUITY PURCHASE RATE TABLE 
 Consideration Required to Purchase $1 of Monthly Annuity* 
  

																			
	 Age of
Annuitant
	 	Life
Annuity	 	Life
Annuity
5 Years
Certain	 	Life
Annuity
10 Years
Certain	 	Life
Annuity	 	100% Joint & Survivor**
	 	 	 	 	 	5 Years
Certain &
Life	 	10 Years
Certain &
Life
	55	 	$	306.55	 	$	306.86	 	$	307.85	 	$	344.87	 	$	344.87	 	$	344.89
	56	 	 	300.44	 	 	300.77	 	 	301.85	 	 	339.23	 	 	339.23	 	 	339.25
	57	 	 	294.23	 	 	294.60	 	 	295.78	 	 	333.48	 	 	333.48	 	 	333.51
	58	 	 	287.95	 	 	288.34	 	 	289.63	 	 	327.62	 	 	327.62	 	 	327.66
	59	 	 	281.50	 	 	282.00	 	 	283.42	 	 	321.65	 	 	321.65	 	 	321.69
	60	 	 	275.10	 	 	275.57	 	 	277.13	 	 	315.56	 	 	315.57	 	 	315.62
	61	 	 	268.55	 	 	269.07	 	 	270.78	 	 	309.36	 	 	309.37	 	 	309.43
	62	 	 	261.92	 	 	262.48	 	 	264.36	 	 	303.05	 	 	303.06	 	 	303.14
	63	 	 	255.20	 	 	255.83	 	 	257.90	 	 	296.64	 	 	296.64	 	 	296.73
	64	 	 	248.42	 	 	249.11	 	 	251.40	 	 	290.11	 	 	290.12	 	 	290.23
	65	 	 	241.57	 	 	242.33	 	 	244.86	 	 	283.47	 	 	283.49	 	 	283.62
	66	 	 	234.66	 	 	235.50	 	 	238.30	 	 	276.73	 	 	276.75	 	 	276.91
	67	 	 	227.69	 	 	228.62	 	 	231.74	 	 	269.89	 	 	269.91	 	 	270.11
	68	 	 	220.68	 	 	221.69	 	 	225.17	 	 	262.95	 	 	262.98	 	 	263.23
	69	 	 	213.61	 	 	214.74	 	 	218.63	 	 	255.92	 	 	255.95	 	 	256.26
	70	 	 	206.51	 	 	207.77	 	 	212.12	 	 	248.80	 	 	248.84	 	 	249.23
	71	 	 	199.38	 	 	200.78	 	 	205.65	 	 	241.59	 	 	241.64	 	 	242.13
	72	 	 	192.23	 	 	193.81	 	 	199.26	 	 	234.31	 	 	234.37	 	 	234.99
	73	 	 	185.08	 	 	186.86	 	 	192.95	 	 	226.97	 	 	227.04	 	 	227.81
	74	 	 	177.96	 	 	179.96	 	 	186.76	 	 	219.57	 	 	219.67	 	 	220.62
	75	 	 	170.88	 	 	173.13	 	 	180.71	 	 	212.14	 	 	212.27	 	 	213.45
	76	 	 	163.85	 	 	166.38	 	 	174.81	 	 	204.70	 	 	204.85	 	 	206.31
	77	 	 	156.91	 	 	159.74	 	 	169.08	 	 	197.24	 	 	197.44	 	 	199.23
	78	 	 	150.05	 	 	153.21	 	 	163.56	 	 	189.79	 	 	190.04	 	 	192.23
	79	 	 	143.27	 	 	146.80	 	 	158.24	 	 	182.36	 	 	182.66	 	 	185.34
	80	 	 	136.59	 	 	140.53	 	 	153.16	 	 	174.95	 	 	175.33	 	 	178.58
	81	 	 	130.02	 	 	134.41	 	 	148.35	 	 	167.58	 	 	168.05	 	 	172.01
	82	 	 	123.57	 	 	128.46	 	 	143.81	 	 	160.28	 	 	160.86	 	 	165.65
	83	 	 	117.26	 	 	122.70	 	 	139.57	 	 	153.05	 	 	153.77	 	 	159.54
	84	 	 	111.10	 	 	117.15	 	 	135.64	 	 	145.92	 	 	146.80	 	 	153.72
	85	 	 	105.11	 	 	111.83	 	 	132.01	 	 	138.90	 	 	139.99	 	 	148.21
	86	 	 	99.29	 	 	106.76	 	 	128.68	 	 	132.02	 	 	133.37	 	 	143.02
	87	 	 	93.67	 	 	101.96	 	 	125.63	 	 	125.30	 	 	126.95	 	 	138.16
	88	 	 	88.24	 	 	97.44	 	 	122.85	 	 	118.74	 	 	120.77	 	 	133.63
	89	 	 	83.09	 	 	93.24	 	 	120.33	 	 	112.42	 	 	114.87	 	 	129.45
	90	 	 	78.20	 	 	89.33	 	 	118.10	 	 	106.32	 	 	109.25	 	 	125.66
	91	 	 	73.58	 	 	85.68	 	 	116.15	 	 	100.47	 	 	103.90	 	 	122.28
	92	 	 	69.23	 	 	82.27	 	 	114.48	 	 	94.84	 	 	98.80	 	 	119.33

  

 25 









													
	93	 	65.11	 	79.06	 	113.10	 	89.41	 	93.91	 	116.84
	94	 	61.12	 	75.99	 	111.99	 	84.10	 	89.19	 	114.78
	95	 	57.22	 	73.10	 	111.10	 	78.87	 	84.67	 	113.12

  

	*	The consideration shown refers to the net value used to purchase an annuity, after premium taxes or other applicable charges are deducted. For example, it would cost
$241,570 for a Participant age 65 to receive a Fixed Life Annuity which provides a monthly income of $1,000. 


	**	Participant and joint annuitant are assumed to be the same age. 

 Age is to be taken for the exact number of years and completed months. Values for fractional ages are obtained by simple interpolation. 
 Consideration for ages or combination of lives not shown will be furnished by Symetra upon request. 
  

 26 








 FIXED ACCOUNT VALUE TABLES 
 These tables demonstrate Fixed Account guaranteed annuitization values, guaranteed death benefits, guaranteed surrender values, and effective rates of
return upon full surrender. Values are based on gross Purchase Payments allocated to the Fixed Account, minimum guaranteed interest rates, and the guaranteed minimum value taking standard non-forfeiture law into account. 
 Single Sum Purchase Payment 
  

													
	 End of Year
	 	Purchase
Payment	 	Guaranteed
Annuitization
Value or
Death Benefit	 	Guaranteed
Surrender Value	 	Effective Rate of Return	 
	1	 	$	2,000.00	 	$	2,000.00	 	$	1,854.00	 	-7.3000	% 
	2	 	$	0.00	 	$	2,000.00	 	$	1,909.62	 	-2.2856	% 
	3	 	$	0.00	 	$	2,000.00	 	$	1,966.91	 	-0.5546	% 
	4	 	$	0.00	 	$	2,025.92	 	$	2,025.92	 	0.3224	% 
	5	 	$	0.00	 	$	2,086.69	 	$	2,086.69	 	0.8523	% 
	6	 	$	0.00	 	$	2,149.29	 	$	2,149.29	 	1.2071	% 
	7	 	$	0.00	 	$	2,213.77	 	$	2,213.77	 	1.4613	% 
	8	 	$	0.00	 	$	2,280.19	 	$	2,280.19	 	1.6524	% 
	9	 	$	0.00	 	$	2,348.59	 	$	2,348.59	 	1.8012	% 
	10	 	$	0.00	 	$	2,419.05	 	$	2,419.05	 	1.9205	% 
	11	 	$	0.00	 	$	2,491.62	 	$	2,491.62	 	2.0182	% 
	12	 	$	0.00	 	$	2,566.37	 	$	2,566.37	 	2.0996	% 
	13	 	$	0.00	 	$	2,643.36	 	$	2,643.36	 	2.1686	% 
	14	 	$	0.00	 	$	2,722.66	 	$	2,722.66	 	2.2278	% 
	15	 	$	0.00	 	$	2,804.34	 	$	2,804.34	 	2.2791	% 
	16	 	$	0.00	 	$	2,888.47	 	$	2,888.47	 	2.3240	% 
	17	 	$	0.00	 	$	2,975.13	 	$	2,975.13	 	2.3636	% 
	18	 	$	0.00	 	$	3,064.38	 	$	3,064.38	 	2.3989	% 
	19	 	$	0.00	 	$	3,156.31	 	$	3,156.31	 	2.4304	% 
	20	 	$	0.00	 	$	3,251.00	 	$	3,251.00	 	2.4588	% 

  

 27 








 Annual Purchase Payments 
  

													
	 End of Year
	 	Purchase
Payments	 	Guaranteed
Annuitization
Value or
Death Benefit	 	Guaranteed
Surrender Value	 	Effective Rate of Return	 
	1	 	$	2,000.00	 	$	2,000.00	 	$	1,854.00	 	-7.3000	% 
	2	 	$	1,000.00	 	$	3,015.00	 	$	2,836.62	 	-3.3115	% 
	3	 	$	1,000.00	 	$	4,045.23	 	$	3,848.72	 	-1.7034	% 
	4	 	$	1,000.00	 	$	5,090.90	 	$	4,891.18	 	-0.7843	% 
	5	 	$	1,000.00	 	$	6,152.27	 	$	5,964.92	 	-0.1759	% 
	6	 	$	1,000.00	 	$	7,229.55	 	$	7,070.86	 	0.2612	% 
	7	 	$	1,000.00	 	$	8,322.99	 	$	8,209.99	 	0.5922	% 
	8	 	$	1,000.00	 	$	9,432.84	 	$	9,383.29	 	0.8524	% 
	9	 	$	1,000.00	 	$	10,591.79	 	$	10,591.79	 	1.0626	% 
	10	 	$	1,000.00	 	$	11,836.54	 	$	11,836.54	 	1.2363	% 
	11	 	$	1,000.00	 	$	13,118.64	 	$	13,118.64	 	1.3822	% 
	12	 	$	1,000.00	 	$	14,439.20	 	$	14,439.20	 	1.5067	% 
	13	 	$	1,000.00	 	$	15,799.37	 	$	15,799.37	 	1.6141	% 
	14	 	$	1,000.00	 	$	17,200.35	 	$	17,200.35	 	1.7077	% 
	15	 	$	1,000.00	 	$	18,643.36	 	$	18,643.36	 	1.7901	% 
	16	 	$	1,000.00	 	$	20,129.66	 	$	20,129.66	 	1.8631	% 
	17	 	$	1,000.00	 	$	21,660.55	 	$	21,660.55	 	1.9283	% 
	18	 	$	1,000.00	 	$	23,237.37	 	$	23,237.37	 	1.9869	% 
	19	 	$	1,000.00	 	$	24,861.49	 	$	24,861.49	 	2.0398	% 
	20	 	$	1,000.00	 	$	26,534.34	 	$	26,534.34	 	2.0878	% 

  

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