Symetra Stride can help you with your retirement goals.
I want my money to have the potential to grow.
• S ymetra Stride offers nine different indexed account options and an optional fixed account. • A ny interest you earn is determined at the end of each interest term and will grow through compounding. The initial interest term begins the day your contract is issued. • If you select an indexed account option and the market index you choose goes up, your indexed account can be credited interest. The credited interest is determined by a participation rate (a percentage of the index’s performance) or is credited up
to a “cap” (a top percentage you can earn in any given interest term). • Y our money grows tax-deferred (it’s not taxed until you take it out).
I want access to my money if I need it.
• A fter the first year, you can withdraw 7% of your contract value without being charged. • Y ou can take out more than 7%, but the amount withdrawn may be subject to a market value adjustment or “MVA” (a positive or negative adjustment made to your contract) and a withdrawal charge. • Y ou can surrender your contract any time and get your money back (subject to MVAs and withdrawal charges, and minus any previous charges or withdrawals). The value you would receive is called the “cash surrender value.” • A ny withdrawals taken from the indexed account before the end of an interest term will not earn interest. • A fter the first 10 years of your contract, MVAs and withdrawal charges no longer apply. • T here may be other ways to access your money if your health changes. See page 12 for more details.
I don’t want to lose money.
• W e guarantee that you will get back the money you put in, plus any interest earned (subject to MVAs and withdrawal charges, and minus any previous charges or withdrawals). • If you die, your beneficiaries will receive any remaining contract value. • B ecause you’re not actually invested in the market, you will never lose money due to market declines.
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