# EDGAR Filing Document

**Accession Number:** 0000912869
**File Stem:** 0000912869-26-000026
**Filing Date:** 2026-4
**Character Count:** 15522
**Document Hash:** 89ab2fd37d3e23cb3f593e58e039325f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000912869-26-000026.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0000912869-26-000026

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Symetra SEPARATE ACCOUNT C
- **CENTRAL INDEX KEY:** 0000912869

**ORGANIZATION NAME:**
- **EIN:** 910742147
- **STATE OF INCORPORATION:** WA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-137411
- **FILM NUMBER:** 26899754

**BUSINESS ADDRESS:**
- **STREET 1:** 777 108TH AVE NE
- **STREET 2:** SUITE 1200
- **CITY:** BELLEVUE
- **STATE:** WA
- **ZIP:** 98004-5135
- **BUSINESS PHONE:** 877-796-3872

**MAIL ADDRESS:**
- **STREET 1:** 777 108TH AVE NE
- **STREET 2:** SUITE 1200
- **CITY:** BELLEVUE
- **STATE:** WA
- **ZIP:** 98004-5135

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SAFECO SEPARATE ACCOUNT C
- **DATE OF NAME CHANGE:** 19930930

## Series and Classes Contracts Data

### Symetra SEPARATE ACCOUNT C (Series ID: S000001238)

| Class ID   | Class Name    | Ticker Symbol   |
|:---|:---|:---|
| C000039522 | Symetra Focus |  |

**Notice Document**

**Dated: May 1, 2026**

**Symetra Focus Variable Annuity**

Issued By: Symetra Life Insurance Company

The prospectus for the Symetra Focus Variable Annuity contains more information about the Contract, including its features, benefits, and risks. You can find the prospectus and other information about Symetra Focus Variable Annuity online at www.symetra.com/regulatoryreports. You can also obtain this information at no cost by calling 1-800-796-3872 or by sending an email request to regulatoryreports@symetra.com.

Additional general information about certain investment products, including variable annuities has been prepared by the Securities and Exchange Commission's staff and is available at www.Investor.gov.

The Symetra Focus Variable Annuity Prospectus and Statement of Additional Information dated May 1, 2011, as supplemented, are incorporated herein by reference.

**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Notice Document is a summary of certain contract features that have changed since the Notice Document dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Symetra Focus Variable Annuity Contract.

***There have been no updates since the last Notice Document.***

**KEY INFORMATION**

Important information you should consider about the Contract. For more information, see the Symetra Focus Variable Annuity prospectus dated May 1, 2011, as supplemented.

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| | |
|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges for Early Withdrawals** | A Withdrawal Charge of $25 will apply to each withdrawal after the first withdrawal each Contract Year.  |
| **Transaction Charges** | A Transfer Charge of $10 or 2% of the amount transferred, whichever is less, will apply upon each transfer in excess of 12 transfers in a Contract Year. |
| **Ongoing Fees and Expenses (annual charges)** | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract data page for information about the specific fees you will pay each year based on the options you have elected. |

---

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| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |
| Base Contract (1) | 1.45% | 2.04% |
| Portfolio Fees & Expenses (2) | 0.09% | 0.68% |
| Optional benefits available for an additional charge (for a single optional benefit, if elected) | 0.10% | 0.10% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Base Contract fees are expressed as a percentage of Separate Account assets, and include mortality and expense risk fees, which are charged as a percentage of Contract Value, and the annual Contract fee, which is a fixed dollar amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Base Contract fees are expressed as a percentage of Separate Account assets, and include mortality and expense risk fees, which are charged as a percentage of Contract Value, and the annual Contract fee, which is a fixed dollar amount.

Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, **which could add charges that substantially increase costs.**

Symetra Focus Variable Annuity&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 1 of 4

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| | |
|:---|:---|
| **Lowest Annual Cost: $1,316.52** | **Highest Annual Cost: $1,879.37** |
| &nbsp;&nbsp;&nbsp;The Lowest Annual Cost shown above assumes the following: <br>• Investment of $100,000 <br>• 5% annual appreciation <br>• Least expensive combination of Contract Classes and Portfolio Company fees and expenses <br>• No optional benefits<br>• No sales charges <br>• No additional purchase payments, transfers or withdrawals  | &nbsp;&nbsp;&nbsp;The Highest Annual Cost shown above assumes the following: <br>• Investment of $100,000 <br>• 5% annual appreciation <br>• Most expensive combination of Contract Classes and Portfolio Company fees and expenses and optional benefits<br>• No sales charges <br>• No additional purchase payments, transfers or withdrawals  |

---

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Risk of Loss** | You may lose money by investing in the Contract. |
| **Not a Short-Term Investment** | The Contract is not a short-term investment and is not appropriate if you need ready access to cash. Withdrawal charges will reduce the value of your Contract if you withdraw money during the Accumulation Phase. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. Tax penalties may apply to withdrawals taken before age 59 ½. Transfer limits and fees designed to deter marketing timing may apply under policies designed to deter frequent trading and market timing.  |
| **Risks Associated with Investment Options** | Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Contract. Each Portfolio has its own unique risks. You should review these Portfolios before making an investment decision. |
| **Insurance Company Risks** | Investment in the Contract is subject to the risks related to Symetra Life Insurance Company. Any obligations, (including obligations related to the Symetra Fixed Account and Sub-accounts), guarantees, and benefits provided for under the Contract are subject to our financial strength and claims-paying ability. More information about us, including our financial strength ratings, is available upon request by calling 1-800-796-3872, or visiting us at www.symetra.com/regulatoryreports.  |

---

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may allocate amounts under the Contract to one or more of the Sub-accounts available to you. Certain Sub-accounts are closed to new investors and only available to Contract Owners who have been continuously invested in them as of a certain date. Once a Contract Owner has transferred the entire value out of one of these closed Sub-accounts, the Sub-account is no longer available to the Contract Owner for investment. You may also allocate money to the Symetra Fixed Account, which credits guaranteed interest rates. We reserve the right to add, combine, restrict or remove any Sub-account available as an investment option under your Contract. We further reserve the right to restrict or remove the Symetra Fixed Account as an investment option available under the Contract. |
| **Optional Benefit** | GMDB Age Extension Rider. If available in your state, you may have elected the GMDB Age Extension Rider at the time you purchased your Contract. To elect this rider, you had to be age 75 or younger on the Contract Date. |

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Symetra Focus Variable Annuity&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2 of 4

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| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult a competent tax professional about your individual circumstances to determine the tax implications of an investment in and purchase payments received under the Contract. There is no additional tax benefit if you purchased the Contract through a tax-qualified plan or individual retirement account (IRA). Access to amounts held in a qualified Contract may be restricted or prohibited. <br>All distributions other than death benefits, including surrenders, withdrawals and loans taken or secured by the Contract will be subject to ordinary income tax, and may be subject to tax penalties. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals who solicited sales of the Contracts receive a portion of the commission payable to the broker-dealer firm, depending on the agreement between the broker-dealer and the investment professional. We pay commissions as a percentage of Purchase Payments invested in the Contract.<br>An investment professional may receive different compensation for selling different investment products and may have a financial incentive to offer or recommend one investment product over another.  |
| **Exchanges** | An investment professional may have a financial incentive to offer you a new contract in the place of a contract you already own. <br>You should not exchange this Contract for a new one unless you determine, after comparing the features fees and risks of both contracts, that the exchange is preferable for you. |

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EDGAR Contract Identifier: C000039522

Symetra Focus Variable Annuity&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 3 of 4

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**APPENDIX: PORTFOLIOS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios available under the Contract. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at www.symetra.com/regulatoryreports. You can also request this information at no cost by calling 1-800-796-3872 or by sending an email request to regulatoryreports@symetra.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **TYPE** | **PORTFOLIO NAME AND ADVISOR** | **CURRENT EXPENSES**<br>**(As of 12/31/2025)** | **AVERAGE ANNUAL TOTAL RETURN**<br>**(As of 12/31/2025)** | **AVERAGE ANNUAL TOTAL RETURN**<br>**(As of 12/31/2025)** | **AVERAGE ANNUAL TOTAL RETURN**<br>**(As of 12/31/2025)** |
| | | **CURRENT EXPENSES**<br>**(As of 12/31/2025)** | **1 Year** | **5 Year** | **10 Year** |
| U.S. Equity | DWS Small Cap Index VIP - Class A <br>*DWS Investment Management Americas, Inc. Sub-advised by Northern Trust Investments, Inc.*  | 0.37%\*\* | 12.64% | 5.84% | 9.33% |
| Money Market | Fidelity® VIP Government Money Market Portfolio - Initial Class <br>*Fidelity Management & Research Company LLC (FMR) (\*)*  | 0.25% | 4.13% | 3.10% | 2.03% |
| U.S. Equity  | Fidelity® VIP Index 500 Portfolio - Initial Class<br>*Fidelity Management & Research Company LLC (FMR) is the fund's Investment Advisor. Geode Capital Management, LLC serves as sub-adviser for the fund. (\*)*  | 0.09% | 17.78% | 14.31% | 14.70% |
| Asset Allocation | Morningstar Aggressive Growth ETF Asset Allocation Portfolio - Class I <br>*ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC*  | 0.60% | 20.33% | 10.82% | 10.63% |
| Asset Allocation | Morningstar Balanced ETF Asset Allocation Portfolio - Class I <br>*ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC* | 0.59% | 15.07% | 6.89% | 7.53% |
| Asset Allocation | Morningstar Conservative ETF Asset Allocation Portfolio - Class I<br>*ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC* | 0.58%\*\* | 9.11% | 2.45% | 3.76% |
| Asset Allocation | Morningstar Growth ETF Asset Allocation Portfolio - Class I <br>*ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC* | 0.57% | 18.15% | 9.08% | 9.32% |
| Asset Allocation | Morningstar Income and Growth ETF Asset Allocation Portfolio - Class I <br>*ALPS Advisors, Inc. Sub-Advised by Morningstar Investment Management LLC*  | 0.59%\*\* | 11.94% | 4.68% | 5.73% |
| Asset Allocation | Vanguard VIF - Balanced Portfolio<br>*Wellington Management Company, LLP*  | 0.20% | 16.46% | 9.29% | 10.03% |
| Taxable Bond  | Vanguard VIF - High Yield Bond Portfolio<br>*Wellington Management Company, LLP*  | 0.24% | 9.18% | 4.05% | 5.62% |
| International Equity | Vanguard VIF - International Portfolio<br>*Bailie Gifford Overseas Ltd. and Schroder Investment Management North America Inc.*  | 0.32% | 19.97% | 0.62% | 10.48% |
| U.S. Equity  | Vanguard VIF - Mid-Cap Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.17% | 11.54% | 8.46% | 10.77% |
| Sector Equity | Vanguard VIF - Real Estate Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.26% | 3.11% | 4.51% | 5.08% |
| Taxable Bond | Vanguard VIF - Total Bond Market Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.14% | 6.94% | (0.51)% | 1.90% |
| U.S. Equity | Vanguard VIF - Total Stock Market Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.13% | 16.93% | 12.98% | 14.10% |

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We do not guarantee that each Portfolio will be available for investment through the Contract.

\* Fidelity and the Fidelity Investments Logo are registered service marks of FMR LLC. Used with permission.

\*\* Annual expenses reflect temporary fee reductions.

Symetra Focus Variable Annuity&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 4 of 4