Document:

EX-10.1

 Exhibit 10.1 
 Amendment to Sales Agreement 
 Effective as of February 1, 2013

 Symetra Life Insurance Company 
 Individual Life Policies 
 Commission Schedule Terms and Conditions

 Terms 
  

	1.	Commissions are payable on premiums paid to the Company. Basic and Renewal commissions are vested and constitute full compensation to the designated writing agency. The
writing agency will be paid all Basic and Renewal Commissions which are calculated according to the Commission Schedule Individual Life Policies Endorsement Form included in this contract. There may be a maximum of two writing agencies per coverage.
Basic and renewal commissions for any increase in coverage are paid to the writing agency of that increase. When the balance due is less than a reasonable minimum sum, established by the Company, payments may be paid only as the minimum amount is
reached. 

  

	2.	To change the writing agency, written consent from the current writing agency must be submitted to the Company’s Home Office. The Company reserves the right
through its Home Office to approve any such request and is not bound by such change until approved by the Company’s Home Office. The new writing agency is subject to the provisions in this agreement. The Company assumes no responsibility for
the validity of the change of writing agency and the Company is held harmless with regard to any amount paid by it to the new writing agency. Any change of writing agency must comply with all applicable state laws and regulations. For those policies
identified in writing as a part of the change in writing agency, the future compensation and all past, present and future obligations are transferred to the new writing agency. 

 

	3.	Service fees are payable on premiums paid to the Company. Such Service Fees constitute full compensation to the designated servicing agency. The service fee is
calculated according to the Commission Schedule Individual Life Policies Endorsement Form included in this contract. The servicing agency will be paid all the service fees. During the calendar years in which the Servicing Agency receives a minimum
of $1,000.00 in first year commission for Individual Life policies service fees will be paid. When the balance due is less than a reasonable minimum sum, established by the Company, payments may be paid only as the minimum amount is reached.

  

	4.	The servicing agency may be designated by the policyowner or by the writing agency at the time of policy issue. Changing to a new servicing agency requires written
consent from the policyowner to be submitted to the Company’s Home Office. The Company reserves the right through its Home Office to approve any such request and is not bound by such change until approved by the Company’s Home Office. If
the servicing agency is not specifically designated then the writing agency will be the servicing agency. 

  

	5.	Trail commissions, if applicable, are vested and payable to the writing agency of the original base policy. These commissions are calculated according to Section 3
of the Commission Schedule Individual Life Policies Endorsement Form included in this contract. If trail commissions are earned they will be paid on the first commission statement following the policy anniversary. 

 

	6.	The Company reserves the right to reduce compensation when the face amount exceeds the sum of the Company’s retention limit plus automatic reinsurance coverage.

  

	7.	In the event a policy terminates within 12 months of policy issue for any reason other than the death of the insured, including but not limited to a lapse or a
rescission of the policy, Agency must repay 100 per cent of the commission previously paid on such policy and Symetra Life has the right to chargeback such commission. 

 

	8.	In addition to commission payable, the Company may award to the writing agency Annual First Year Premium (AFYP) production credit. AFYP is a measurement of production
that is equal to the required first year premium on an annual payment mode. Net AFYP is the production credit issued by the Company on business written during the calendar year minus the production credited to policies that have lapsed during the
year prior to their first renewal. 

  

	9.	When a writing agency sells additional insurance riders commissions will be calculated and paid according to the Commission Schedule Individual Life Policies
Endorsement Form included in this contract. 

  
 Page 1 of 2

	10.	If this Agency Agreement is terminated, the commissions payable to the writing agency shall be limited to those payable as first year and renewal commissions at the
rate provided in the Commission Schedule Individual Life Policies Endorsement Form in effect on the date of termination. 

  

	11.	No Commissions or service fees will be paid with respect to: 

  

	 	a.	Premiums which are waived under the terms of a policy; 

  

	 	b.	Premiums for temporary extra rating for five years or less; 

  

	 	c.	Premiums for a policy which is a conversion of group life or health insurance coverage; and 

 

	 	d.	Premium paid by automatic premium loan. 

  

	12.	When a conversion privilege is exercised, and the new policy is dated as of a current date, commissions will be calculated in accordance with the rules of the Company
in effect at the time of such conversion. If the Company determines a policy replaces a policy previously issued by the Company on the same insured, the commission payable for the first year of insurance for the new policy will be calculated in
accordance with the rules of the Company in effect at the time of such replacement. 

  

	13.	If an Agency is terminated due to uncollectible outstanding agency commission debt, terms defined in section one above will be revoked and Basic and Renewal Commissions
will no longer be vested. 

 Conditions 
  

	1.	Agency has no authority to deliver any policy unless the applicant therein is, at the time of delivery, in good health and insurable condition.

  

	2.	Notwithstanding any other provision of this agreement, regarding any policy listed in this agreement’s Commission Schedule Individual Life Policy Endorsement,
Agency shall not, to induce any person to insure with Company, pay or allow or offer any illegal rebate of premium or other consideration due and not specified in the policy. 

 THIS ENDORSEMENT MAY BE MODIFIED OR CANCELED BY THE COMPANY AT ANY TIME BY PROVIDING WRITTEN NOTICE. 
 The provisions of this endorsement supersede any provisions of prior endorsements. 

Agency is responsible for ensuring that no business is solicited by any representatives until that representative is authorized to represent the
Company and this endorsement is in effect. 

  
 Page 2 of 2EX-10.2

 Exhibit 10.2 
 ANNUITY TERMS AND CONDITIONS 
 Terms 

Unless pre-approved by Company, Purchase Payments are limited to a maximum of $1 million, per product and per Contract owner, in any one Contract or
combination of Contracts within a 12 month period. A Contract with joint owners is considered to have only one Contract owner for purposes of this provision. Company reserves the right to decline any Purchase Payment submitted without pre-approval.
Commission may be reduced on Purchase Payment submissions of $1 million or more. 
 Chargeback 

1. Subject to the provisions of the Commission section of this Agreement, Agency will immediately repay Company commissions not to exceed amounts paid,
in accordance with the following: 
  

	 	a.	Agency will repay commissions paid on the Purchase Payments if Purchase Payments are returned to the Contract owner in the absence of a withdrawal. Annuitizations are
not considered to be returned to the Contract owner. 

  

	 	b.	Agency will repay Company 100% of commissions on the amount withdrawn from a Contract, less applicable surrender charges, if withdrawals in excess of 10% of the
Contract value are made during the first Contract year. 

  

	 	c.	In the event that a Contract is surrendered under the “Free Look” provision, or otherwise rescinded, then Chargebacks will be made against all commission paid
with respect to such Contract. 

  

	 	d.	The Chargeback provisions will not apply to Trail commissions. 

  

	 	e.	The Chargeback provisions will not apply to: 

  

	 	•	 	 Withdrawals of amounts which do not exceeded the 10% free withdrawal provision of the Contract; 

 

	 	•	 	 Non-commissionable transfers and rollovers between Company products; 

 

	 	•	 	 Death benefits or withdrawls upon confinement in a hospital or nursing home, if such confinement qualifies under the terms of the Contract;

  

	 	•	 	 Systematic withdrawals from qualified plans made according to Internal Revenue Code (IRC) Sections 72(t) or 401(a)(9); 

 

	 	•	 	 Systematic withdrawals from non qualified plans made according to IRC Section 72(q), or which are calculated in the same manner as IRC Sectoin
401(a)(9); or 

  

	 	•	 	 Benefit payments under an annuitization option of the Contract. 

Symetra Life Insurance Company | Sales Agreement For Fixed ProductsEX-10.3

 Exhibit 10.3 
 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 

 ANNUITY BASE COMMISSION SCHEDULE 
  

																					
	 Product Name
	  	Issue
Age	  	Payout
Options	 	  	Purchase Payment	 	  	Base
Commission	 	LSA #
(internal
coding)	 	  	Commission
Effective
Date	 
	 FIXED INCOME ANNUITIES
	  		  				  				  		 			
	 Advantage Income
	  	0-95	  	 	All	  	  	 	All	  	  	[***]	 	 	603n	  	  	 	3/1/2007	  
	 FIXED DEFERRED ANNUITIES*
	  		  				  				  		 			
	 Custom 7
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	  	81-86
 81-86

81-86
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	  	87-90
 87-90

87-90
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7050	  	  	 	9/1/2012	  
	 Select 5 ‡
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	  	81-86
 81-86

81-86
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	  	87-90
 87-90

87-90
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	3018	  	  	 	10/4/2010	  
	 Edge 7
	  	0-80
 0-80
 0-80
	  	 	All	  	  	$
 $
 $
	10,000 to $49,999.99
 50,000 to
$99,999.99
 100,000 and over
	  
   

  
	  	[***]
 [***]
 [***]
	 	 	7699c	  	  	 	2/25/2013	  

 Refer to the Chargeback provisions of the Annuity Terms and Conditions. 

 

	*Base	commission applies to initial and subsequent deposits. 

 ‡ If the Contract owner replaces a Select 5 Contract to a new five
year term at any time after the fifth contract year, Company will pay Agency the same rates as the Base Commission according to new Issue Age. Upon replacement, Company will issue a new Contract to the Contract owner. 

THIS SCHEDULE SUPERSEDES ANY PREVIOUS VERSION OF THE FIXED ANNUITY GRID. THIS SCHEDULE MAY BE MODIFIED OR CANCELED BY COMPANY AT ANY
TIME BY PROVIDING WRITTEN NOTICE. 

  

					
	Chase nonNY Grid – Version 1	 	Symetra Life Insurance Company	 	

 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. 
  

ANNUITY INTERNAL REPLACEMENT SCHEDULE 

All “from” product must be out of Surrender Charge Period. The “to” product will start a new Surrender Charge Period. Unless otherwise
specified, no like for like product replacements are allowed. Replacements must comply with state regulations regarding suitability. 
  

					
	 “From” Product
	  	 “To” Product
	  	 Commission Rate

			
	 The Select or Spinnaker Advisor product*
	  	Any fixed or variable
annuity	  	Full compensation will be paid according to the terms and conditions of Agency’s current base annuity schedule for that product.
			
	 Any fixed or variable annuity with a contract effective date before 8/1/2004 
	  	Any fixed or variable
annuity	  	Full compensation will be paid according to the terms and conditions of Agency’s current base annuity schedule for that product.
			
	 Any fixed or variable annuity (including the Select 3, 5 or 7) with a contract effective
date of 8/1/2004 or later 
  
 (excluding the Select and Spinnaker
Advisor products) 
	  	Any fixed or variable
annuity	  	 •   If the “from” product is less than 10 years old, Agency will
be paid a trail commission monthly, at an annual rate of [***] basis points beginning immediately.
  

•   If the “from” product is over than 10 years old, Agency will be paid a trail
commission monthly, at an annual rate of [***] basis points beginning immediately.

  

	*	Contracts issued prior to, on, and after 8/1/2004 are eligible for compensation. “Select” does not refer to the Select 3, 5 or 7 products.

 FIXED ANNUITIZATION SCHEDULE 
 Base commissions will be paid on fixed annuitization payouts of fixed contracts, except on annuitization of contracts originally issued by WM Life Insurance Company or American States Life Insurance
Company, or on annuitization of Safekey I, II, and III contracts. 
 Base commissions will be paid as a percentage of the amount applied to an
annuity option, as follows: 
  

	 	•	 	 Contracts annuitized while in surrender– [***] 

  

	 	•	 	 Contracts annuitized after the termination of the surrender schedule – [***] 

THIS SCHEDULE SUPERSEDES ANY PREVIOUS INTERNAL REPLACEMENT AND FIXED ANNUITIZATION SCHEDULE OR PROVISIONS. 

  

					
	LSA-634m & LSA-655ch 02/2013	 	Symetra Life Insurance Company

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