| UPDATED INFORMATION ABOUT YOUR CONTRACT | ||
| KEY INFORMATION | ||
FEES AND EXPENSES | |||||||||||||||||
Charges for Early Withdrawals | A Withdrawal Charge of $25 or 2% of the amount withdrawn, whichever is less, will apply to each withdrawal after the first withdrawal each Contract Year. | ||||||||||||||||
Transaction Charges | A Transfer Charge of $10 or 2% of the amount transferred, whichever is less, will apply upon each transfer in excess of 12 transfers in a Contract Year. | ||||||||||||||||
Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract data page for information about the specific fees you will pay each year based on the options you have elected. | ||||||||||||||||
Annual Fee | Minimum | Maximum | ||||||
Base Contract (1) | 1.71% | 3.21% | ||||||
Portfolio Fees & Expenses (2) | 0.46% | 1.96% | ||||||
Lowest Annual Cost $1,533.90 | Highest Annual Cost $2,679.49 | ||||
The Lowest Annual Cost shown above assumes the following: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract Classes and Portfolio Company fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals | The Highest Annual Cost shown above assumes the following: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Contract Classes and Portfolio Company fees and expenses and optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals | ||||
RISKS | ||||||||
Risk of Loss | You may lose money by investing in the Contract. | |||||||
Not a Short-Term Investment | The Contract is not a short-term investment and is not appropriate if you need ready access to cash. Withdrawal charges will reduce the value of your Contract if you withdraw money during the Accumulation Phase. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. Tax penalties may apply to withdrawals taken before age 59 ½. Transfer limits and fees designed to deter marketing timing may apply under policies designed to deter frequent trading and market timing. | |||||||
Risks Associated with Investment Options | Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Contract. Each Portfolio has its own unique risks. You should review these Portfolios before making an investment decision. | |||||||
Insurance Company Risks | Investment in the Contract is subject to the risks related to Symetra Life Insurance Company. Any obligations (including obligations related to the Symetra Fixed Account and Sub-accounts), guarantees, and benefits provided for under the Contract 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. | |||||||
RESTRICTIONS | ||||||||||||||
Investments | You may allocate amounts under the Contract to one or more of the Sub-accounts available to you. Certain Sub-accounts are closed to new investors and only available to Contract Owners who have been continuously invested in them as of a certain date. Once a Contract Owner has transferred the entire value out of one of these closed Sub-accounts, the Sub-account is no longer available to the Contract Owner for investment. A transfer charge may apply for each transfer in excess of 12 transfers in a Contract Year. You may also allocate money to the Symetra Fixed Account, which credits guaranteed interest rates. We reserve the right to add, combine, restrict or remove any Sub-account available as an investment option under your Contract. We further reserve the right to restrict or remove the Symetra Fixed Account as an investment option available under the Contract. | |||||||||||||
TAXES | ||||||||||||||
Tax Implications | You should consult a competent tax professional about your individual circumstances to determine the tax implications of an investment in and purchase payments received under the Contract. There is no additional tax benefit if you purchased the Contract through a tax-qualified plan or individual retirement account (IRA). Access to amounts held in a qualified Contract may be restricted or prohibited. All distributions other than death benefits, including surrenders, withdrawals and loans taken or secured by the Contract will be subject to ordinary income tax, and may be subject to tax penalties. | |||||||||||||
CONFLICTS OF INTEREST | ||||||||||||||
Investment Professional Compensation | Investment professionals who solicited sales of the Contracts 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 Purchase Payments invested in the Contract. An investment professional may receive different compensation for selling different investment products and may have a financial incentive to offer or recommend one investment product over another. | |||||||||||||
Exchanges | An investment professional may have a financial incentive to offer you a new contract in the place of a contract you already own. You should not exchange this Contract for a new one unless you determine, after comparing the features fees and risks of both contracts, that the exchange is preferable for you. | |||||||||||||
APPENDIX: PORTFOLIOS AVAILABLE UNDER THE CONTRACT | ||
TYPE | PORTFOLIO NAME AND ADVISOR | CURRENT EXPENSES (As of 12/31/2025) | AVERAGE ANNUAL TOTAL RETURN (As of 12/31/2025) | ||||||||||||||
1 Year | 5 Year | 10 Year | |||||||||||||||
Sector Equity | BNY Mellon Investment Portfolios Technology Growth Portfolio - Initial Shares BNY Mellon Investment Sub-advised by Newton Investment Management North America, LLC | 0.82% | 28.16% | 9.24% | 17.27% | ||||||||||||
U.S. Equity | BNY Mellon Stock Index Fund, Inc. - Service Shares BNY Mellon Investment Advisors Mellon Investments Corporation is the fund's index fund manager. | 0.52% | 17.23% | 13.83% | 14.23% | ||||||||||||
U.S. Equity | BNY Mellon Sustainable U.S. Equity Portfolio, Inc. - Initial Shares BNY Mellon Investment Advisors Sub-advised by Newton Investment Management Limited | 0.66% | 15.97% | 11.93% | 13.56% | ||||||||||||
U.S. Equity | BNY Mellon Variable Investment Fund Appreciation Portfolio - Initial Shares (1) BNY Mellon Investment Advisors Sub-advised by Fayez Sarofim & Co. | 0.85% | 10.07% | 9.37% | 12.92% | ||||||||||||
International Equity | DWS CROCI® International VIP - Class A (4) DWS Investment Management Americas, Inc. | 0.79%** | 44.90% | 10.86% | 8.21% | ||||||||||||
Asset Allocation | DWS Global Income Builder VIP - Class A (4) DWS Investment Management Americas, Inc. | 0.61% | 15.80% | 6.49% | 7.43% | ||||||||||||
Taxable Bond | Federated Hermes High Income Bond Fund II - Primary Shares (1) Federated Investment Management Company Sub-advised by Federated Advisory Services Company (FASC) | 0.81%** | 8.23% | 3.70% | 5.59% | ||||||||||||
Asset Allocation | Federated Hermes Managed Volatility Fund II - Primary Shares(1) Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA) | 0.97%** | 7.03% | 6.56% | 6.85% | ||||||||||||
U.S. Equity | Fidelity® VIP ContrafundSM Portfolio - Initial Class Fidelity Management & Research Company LLC (*) | 0.54% | 21.52% | 15.37% | 15.78% | ||||||||||||
U.S. Equity | Fidelity® VIP Equity-Income Portfolio℠ - Initial Class Fidelity Management & Research Company LLC (*) | 0.46% | 19.02% | 12.51% | 11.60% | ||||||||||||
Money Market | Fidelity® VIP Government Money Market Portfolio - Service Class 2 Fidelity Management & Research Company LLC (FMR) (*) | 0.50% | 3.86% | 2.90% | 1.83% | ||||||||||||
U.S. Equity | Fidelity® VIP Growth & Income Portfolio - Initial Class Fidelity Management & Research Company LLC (FMR) (*) | 0.47% | 21.50% | 16.11% | 13.84% | ||||||||||||
U.S. Equity | Fidelity® VIP Growth Opportunities Portfolio - Initial Class (4) Fidelity Management & Research Company LLC (FMR) (*) | 0.56% | 22.02% | 11.31% | 19.94% | ||||||||||||
U.S. Equity | Fidelity® VIP Growth Portfolio - Initial Class (1) Fidelity Management & Research Company LLC (FMR) (*) | 0.55% | 14.73% | 13.70% | 17.45% | ||||||||||||
Asset Allocation | Franklin Income VIP Fund - Class 2 Franklin Advisers, Inc. | 0.72% | 12.56% | 7.66% | 7.30% | ||||||||||||
Asset Allocation | Franklin Mutual Shares VIP Fund - Class 2 Franklin Mutual Advisers, LLC | 0.94% | 11.52% | 9.20% | 7.53% | ||||||||||||
U.S. Equity | Franklin Small-Mid Cap Growth VIP Fund - Class 2 Franklin Advisers, Inc. | 1.09% | 2.52% | 1.03% | 9.89% | ||||||||||||
Taxable Bond | Franklin U.S. Government Securities VIP Fund - Class 2 Franklin Advisers, Inc. | 0.79% | 6.69% | 0.02% | 1.14% | ||||||||||||
U.S. Equity | Invesco V.I. American Franchise Fund - Series I (1) Invesco Advisers, Inc. | 0.85% | 11.67% | 10.35% | 14.87% | ||||||||||||
International Equity | Invesco V.I. EQV International Equity Fund - Series II Invesco Advisers, Inc. | 1.15% | 16.23% | 3.42% | 5.95% | ||||||||||||
TYPE | PORTFOLIO NAME AND ADVISOR | CURRENT EXPENSES (As of 12/31/2025) | AVERAGE ANNUAL TOTAL RETURN (As of 12/31/2025) | ||||||||||||||
1 Year | 5 Year | 10 Year | |||||||||||||||
Sector Equity | Invesco V.I. Global Real Estate Fund - Series I (1) Invesco Advisers, Inc. Sub-advised by Invesco Asset Management Limited | 1.02% | 7.85% | 1.73% | 2.44% | ||||||||||||
Asset Allocation | LVIP American Century Balanced Fund - Standard Class II American Century Investment Management, Inc. | 0.77%** | 9.62% | 6.49% | 8.03% | ||||||||||||
International Equity | LVIP American Century International Fund - Standard Class II American Century Investment Management, Inc. | 0.95%** | 15.98% | 1.85% | 6.42% | ||||||||||||
U.S. Equity | LVIP American Century Value Fund - Standard Class II American Century Investment Management, Inc. | 0.71%** | 16.02% | 11.65% | 10.23% | ||||||||||||
U.S. Equity | LVIP JPMorgan U.S. Equity Fund - Standard Class (4) Lincoln Investment Advisors Corporation Sub-advised by J.P. Morgan Investment Management Inc. | 0.63% | 14.54% | 13.69% | 14.84% | ||||||||||||
U.S. Equity | LVIP JPMorgan Mid Cap Value Fund - Standard Class Lincoln Investment Advisors Corporation Sub-advised by J.P. Morgan Investment Management Inc. | 0.74% | 4.72% | 9.63% | 8.77% | ||||||||||||
Bond | Victory Pioneer Bond VCT Portfolio - Class I Shares (3) Victory Capital Management Inc. | 0.87%** | 9.17% | 0.74% | 2.84% | ||||||||||||
U.S. Equity | Victory Pioneer Equity Income VCT Portfolio - Class II Shares Victory Capital Management Inc. | 1.04%** | 11.14% | 8.81% | 9.11% | ||||||||||||
U.S. Equity | Victory Pioneer Fund VCT Portfolio - Class I Shares (3) Victory Capital Management Inc. | 0.75%** | 23.35% | 14.98% | 15.75% | ||||||||||||
Taxable Bond | Victory Pioneer High Yield VCT Portfolio - Class II Shares Victory Capital Management Inc. | 1.22%** | 7.92% | 3.95% | 5.16% | ||||||||||||
U.S. Equity | Victory Pioneer Mid Cap Value VCT Portfolio - Class I Shares (3) Victory Capital Management Inc. | 1.01%** | 11.19% | 11.16% | 9.01% | ||||||||||||
U.S. Equity | Victory Pioneer Select Mid Cap Growth VCT Portfolio - Class I Shares (3) Victory Capital Management Inc. | 0.86%** | 20.47% | 5.73% | 11.93% | ||||||||||||
Taxable Bond | Victory Pioneer Strategic Income VCT Portfolio - Class II Shares Victory Capital Management Inc. | 1.69%** | 10.85% | 1.99% | 3.64% | ||||||||||||
International Equity | Templeton Emerging Markets VIP Fund - Class 2 Templeton Asset Management Ltd. Sub-advised by Franklin Templeton Investment Management Limited | 1.37% | 46.27% | 5.46% | 10.04% | ||||||||||||
International Equity | Templeton Growth VIP Fund - Class 2 Templeton Global Advisors Limited | 1.12%** | 23.83% | 7.95% | 7.04% | ||||||||||||
International Equity | VY JPMorgan Emerging Markets Equity Portfolio - Class I (2) Voya Investments, LLC Sub-Advised by J.P. Morgan Investment Management, Inc. | 1.19%** | 39.06% | 0.29% | 9.27% | ||||||||||||