8
SYMETRA EDGE ELITE FIXED INDEXED ANNUITY
How can Edge Elite help my money grow?
Your account choices Edge Elite allows you to choose from accounts linked to market indexes and an optional fixed account. This provides opportunities to grow your money and maintain the lifestyle you want.
Indexed accounts earn interest based on the performance of a market index. An index is a financial tool that tracks the value of a specific collection of securities. In other words, it is a measurement of investment value—not an investment itself. If the index value goes up from the beginning to the end of the interest term, you’ll receive interest based on a participation rate or up to a declared cap (upper limit). The participation rate credits your contract a percentage of the total index’s performance over a specified interest term.
Indexed accounts
1
Indexed accounts with enhanced participation rates
For an additional charge, these indexed accounts provide higher participation rates that are guaranteed not to change during the withdrawal charge period.
2
See page 10 for more information about the charge.
Fixed account
The fixed account earns interest at a fixed rate that is declared at the beginning of each interest term.
3
Flexibility to transfer between accounts: You can transfer money between your fixed account and/or any indexed accounts at the end of each 1- or 2-year interest term. Indexed Account availability may vary by Distributor. Additional Indexed Account options may be available to you at the end of your interest term. Consult with your Financial Professional or Registered Representative for more information.
Hypothetical participation rates and caps in action
How the participation rate works: Index performance
How the cap works:
Interest credited
Participation rate
Interest credited
Index performance
Cap
Index performance greater than cap Index performance less than cap
Positive index performance Positive index performance Negative index performance
10%
50%
5%
10%
4%
4%
7%
50% 3.5%
2%
4%
2%
Negative index performance
-5%
50%
0%
-5%
4%
0%
Indexed interest is calculated and credited (if applicable) at the end of each interest term. Any amounts withdrawn from an indexed account before the end of the interest term will not receive interest for that term.
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