# EDGAR Filing Document

**Accession Number:** 0000806180
**File Stem:** 0000806180-26-000042
**Filing Date:** 2026-4
**Character Count:** 15141
**Document Hash:** 6e58553f6897615e08a4c7924e194160
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000806180-26-000042.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0000806180-26-000042

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260428

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SYMETRA SEPARATE ACCOUNT SL
- **CENTRAL INDEX KEY:** 0000806180

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-213191
- **FILM NUMBER:** 26908580

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

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SAFECO SEPARATE ACCOUNT SL
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### SYMETRA SEPARATE ACCOUNT SL (Series ID: S000001239)

| Class ID   | Class Name      | Ticker Symbol   |
|:---|:---|:---|
| C000174423 | Milestone VUL-G |  |

**Updating Summary Prospectus**

**Dated: May 1, 2026**

**Milestone VUL-G**

Issued By: Symetra Life Insurance Company

The prospectus for the Milestone VUL-G contains more information about the Policy, including its features, benefits, and risks. You can find the current prospectus and other information about Milestone VUL-G online at <u>www.symetra.com/regulatoryreports</u>. You can also obtain this information at no cost by calling 1-800-796-3872 or by sending an email request to <u>regulatoryreports@symetra.com</u>.

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

The Milestone VUL-G Prospectus and Statement of Additional Information dated May 1, 2026, as supplemented, are incorporated herein by reference.

**UPDATED INFORMATION ABOUT YOUR POLICY**

The information in this Updating Summary Prospectus is a summary of certain Policy features that have changed since the May 1, 2025 Prospectus. This may not reflect all of the changes that have occurred since you entered into your Milestone <br>VUL-G Policy.

There have been no changes since the May 1, 2025 Updating Summary Prospectus.

**KEY INFORMATION**

Important information You should consider about the Policy.

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| | |
|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges for Early Withdrawals** | We will deduct a surrender charge if You surrender Your Policy during the first fifteen (15) Policy Years. The surrender charge is assessed per $1,000 of Initial Specified Amount. The maximum surrender charge is $58.49 per $1,000 of Initial Specified Amount. For example, if You surrender Your Policy during the first 15 Policy Years, You could pay a surrender charge of up to $5,849.00 on a $100,000 Initial Specified Amount. <br>Upon each withdrawal, We may charge a $25.00 Withdrawal Processing Fee. This charge is currently waived.  |
|  | For more information, see SURRENDER CHARGE in the statutory prospectus. |

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| | |
|:---|:---|
| 1 | <u>[**Table of Contents** Statutory Prospectus](https://www.sec.gov/Archives/edgar/data/806180/000080618026000039/milestone485b2026.htm#i4b5a8237d92046f6bc766d7707d22a95_13)</u> |

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| | | |
|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Transaction Charges** | In addition to surrender charges, You may also be charged for other transactions. <br>A Premium Charge of 10% will apply to each premium made to Your Policy. <br>A Transfer Processing Fee of $25 may apply upon each transfer in excess of 24 transfers in a Policy Year. This charge is currently waived. | In addition to surrender charges, You may also be charged for other transactions. <br>A Premium Charge of 10% will apply to each premium made to Your Policy. <br>A Transfer Processing Fee of $25 may apply upon each transfer in excess of 24 transfers in a Policy Year. This charge is currently waived. |
|  | For more information, see CHARGES AND FEES in the statutory prospectus. | For more information, see CHARGES AND FEES in the statutory prospectus. |
| **Ongoing Fees and Expenses (Annual Charges)** | In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy. These fees and expenses are set based on characteristics of the insured such as Attained Age, Issue Age, Risk Class of the Insured, and if permitted by state law, sex. You should view the Policy specifications page of Your Policy for rates applicable to Your Policy.<br>You will also bear expenses associated with the Funds made available under the Policy. For the fiscal year ended December 31, 2025, the minimum and maximum total operating expenses were as follows: | In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy. These fees and expenses are set based on characteristics of the insured such as Attained Age, Issue Age, Risk Class of the Insured, and if permitted by state law, sex. You should view the Policy specifications page of Your Policy for rates applicable to Your Policy.<br>You will also bear expenses associated with the Funds made available under the Policy. For the fiscal year ended December 31, 2025, the minimum and maximum total operating expenses were as follows: |
| **Ongoing Fees and Expenses (Annual Charges)** | **Annual Fees** | **Minimum Maximum** |
| **Ongoing Fees and Expenses (Annual Charges)** | Fund Fees and Expenses | 0.13% 0.17% |
|  | For more information, see CHARGES AND FEES in the statutory prospectus. | For more information, see CHARGES AND FEES in the statutory prospectus. |

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Risk of Loss** | You may lose money by investing in the Policy. |
|  | For more information, see PRINCIPAL RISKS OF INVESTING IN THE POLICY in the statutory prospectus. |
| **Not a Short-Term Investment** | The Policy is not suitable as a short-term savings vehicle and, therefore, may not be the right kind of policy if You plan to withdraw money or surrender the Policy for short term needs. You may pay substantial charges if You surrender Your Policy. |
|  | For more information, see PRINCIPAL RISKS OF INVESTING IN THE POLICY in the statutory prospectus. |
| **Risks Associated with Investment Options** | Investment in the Policy is subject to the risk of poor investment performance of the Funds and can vary depending on the performance of the Funds available under the Policy. Each Fund and the Fixed Account has its own unique risk. You should review these investment options before making an investment decision. |
|  | For more information, see PRINCIPAL RISKS OF INVESTING IN THE POLICY in the statutory prospectus. |
| **Insurance Company Risks<br>** | Investment in the Policy is subject to the risks related to Symetra Life. Any obligations, including obligations related to the Fixed Account, guarantees and benefits provided for under the Policy 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. |
|  | For more information, see PRINCIPAL RISKS OF INVESTING IN THE POLICY and THE GENERAL ACCOUNT in the statutory prospectus. |

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| | |
|:---|:---|
| 2 | <u>[**Table of Contents** Statutory Prospectus](https://www.sec.gov/Archives/edgar/data/806180/000080618026000039/milestone485b2026.htm#i4b5a8237d92046f6bc766d7707d22a95_13)</u> |

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Policy Lapse** | The Policy will terminate without value ("Lapse") if the Net Surrender Value is not sufficient to cover the Monthly Deduction. This could happen due to poor Subaccount investment performance, withdrawals, and unpaid loans and loan interest. The death benefit will not be paid if a Policy Lapses.<br>Decreases in premium payments, not paying planned premium according to the illustrated schedule, decreasing the Specified Amount, and taking loans or withdrawals will reduce the Lapse Protection Value, in some cases by substantially more than the amount of the loan or the withdrawal, which may significantly shorten the length of the guarantee provided under this benefit.<br>We will reinstate a Lapsed Policy only if our requirements for reinstatement are satisfied, including as to continued insurability of the Insured Person, and You will incur costs in connection with any reinstatement. |
| | For more information, see POLICY LAPSE AND REINSTATEMENT in the statutory prospectus. |

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may allocate amounts under the Policy to one or more of the Subaccounts and to the Fixed Account. <br>While the Lapse Protection Benefit Rider is in effect, You must allocate all of Your Net Premium Payments and transfers of Policy Value to the Subaccounts. Any allocation of new Premium or Policy Value to the Fixed Account after the Cancellation Period which is not related to an accelerated Death Benefit will terminate the Lapse Protection Benefit Rider.<br>We reserve the right to add, combine, restrict, or remove any Subaccount as an investment option under Your Policy. We further reserve the right to restrict or remove the Fixed Account as an investment option available under the Policy.  |
|  | For more information, see THE FUNDS in the statutory prospectus. |
| **Optional Benefits** | **Accelerated Death Benefit for Chronic Illness Plus Rider**<br>This rider may not be exercised if You have exercised the Accelerated Death Benefit for Terminal Illness Rider. We may modify or stop offering this rider at any time. <br>**Charitable Giving Benefit Rider**<br>This rider is only available for Policies with a Specified Amount greater than $100,000. We may modify or stop offering this rider at any time. |
|  | For more information, see OTHER BENEFITS AVAILABLE UNDER THE POLICY in the statutory prospectus*.*  |

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| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **Tax Implications <br>** | You should consult a competent tax professional before purchasing the Policy to determine the tax implications of an investment in the Policy. <br>Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. <br>Lapse of a Policy on which there is an outstanding loan may have adverse tax consequences. |
| | For more information, see TAXES in the statutory prospectus.  |

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| | |
|:---|:---|
| 3 | <u>[**Table of Contents** Statutory Prospectus](https://www.sec.gov/Archives/edgar/data/806180/000080618026000039/milestone485b2026.htm#i4b5a8237d92046f6bc766d7707d22a95_13)</u> |

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| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals who solicited sales of the policies 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 premiums invested in the Policy.<br>An investment professional may receive different compensation for selling different investment products and may have a financial incentive to offer or recommend the Policy over another investment product. |
| | For more information, see DISTRIBUTION in the statutory prospectus. |
| **Exchanges** | An investment professional may have a financial incentive to offer You a new policy in the place of a policy You already own. <br>You should not exchange this Policy for a new one unless You determine, after comparing the features fees and risks of both policies, that the exchange is preferable for You. |
| | For more information, see DISTRIBUTION in the statutory prospectus. |

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EDGAR Contract Identifier: C000174423

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| | |
|:---|:---|
| 4 | <u>[**Table of Contents** Statutory Prospectus](https://www.sec.gov/Archives/edgar/data/806180/000080618026000039/milestone485b2026.htm#i4b5a8237d92046f6bc766d7707d22a95_13)</u> |

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**APPENDIX A: PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY**

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

The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that Your Policy charges. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **TYPE** | **FUND 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)** |
| **TYPE** | **FUND NAME AND ADVISOR** | **CURRENT EXPENSES**<br>**(As of 12/31/2025)** | **1 Year** | **5 Year** | **10 Year** |
| U.S. Equity | Vanguard VIF - Equity Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.14% | 17.70% | 14.27% | 14.66% |
| U.S. Equity | Vanguard VIF - Mid-Cap Index Portfolio<br>*The Vanguard Group, Inc.*  | 0.17% | 11.54% | 8.46% | 10.77% |
| 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 Fund will always be available for investment through the Policy.

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| | |
|:---|:---|
| A-1 | <u>[**Table of Contents** Statutory Prospectus](https://www.sec.gov/Archives/edgar/data/806180/000080618026000039/milestone485b2026.htm#i4b5a8237d92046f6bc766d7707d22a95_13)</u> |

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