Policy Types

Explore the range of policies offered and how they can best fit your lifestyle.

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Symetra logo with a stylized blue bird above the text 'Symetra Retirement | Benefits | Life'
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Term Life Insurance
Term life insurance provides coverage for a specific period of time, usually 10, 20, or 30 years. If you pass away during that term, your beneficiaries receive a payout to help cover expenses like income replacement, debts, or mortgage payments. It’s typically the most affordable option and is ideal for people who want strong protection during their working years or while raising a family.

Whole Life Insurance
Whole life insurance is permanent coverage that lasts your entire lifetime as long as premiums are paid. In addition to providing a guaranteed payout to your beneficiaries, it also builds cash value over time that you can borrow against if needed. It’s a stable, long-term solution for those who want lifelong protection and a financial asset that grows steadily.

Final Expense Insurance
Final expense insurance is a type of whole life policy designed to cover end-of-life costs such as funeral expenses, medical bills, or small debts. It typically has lower coverage amounts and is easier to qualify for, often without a medical exam. This makes it a popular choice for seniors or anyone looking to ease the financial burden on their loved ones.

Indexed Universal Life (IUL) Insurance
Indexed Universal Life insurance is a flexible permanent policy that provides lifelong coverage while also allowing your cash value to grow based on the performance of a market index, like the S&P 500. It offers more growth potential than traditional policies, along with flexibility in premiums and benefits. Many people use IUL for both protection and long-term financial planning.