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Symetra Term Life Insurance Overview

Symetra offers an easy online application with accelerated underwriting for those who qualify. Most eligible applicants are approved on the spot or within three days with coverage starting immediately.

Symetra Customer Service: (877) 737-3611

Why Quotacy?

Save time and money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That's a lot of happy customers.

Symetra Company Overview


Bellevue, WA



Parent Company

Sumitomo Life, one of the largest life insurance companies in Japan.


Over 1,900


Bellevue, WA



Parent Company

Sumitomo Life, one of the largest life insurance companies in Japan.


Over 1,900

Symetra Ratings

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A A+ N/A A1 A

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Symetra is excellent for:

  • Accelerated Underwriting
  • Busy Parents
  • Digitally-savvy Applicants
  • Those Who Want Coverage Quickly

We love that Symetra has an easy online application for those who qualify. Most eligible applicants are approved on the spot or within three days with coverage starting immediately.

Symetra Comparison Quotes

Symetra SwiftTerm

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.


See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Symetra Features & Benefits

What we like

  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Coverage approved instantly if applicant qualifies.
  • Some applicants may not need a medical exam—if they qualify for accelerated underwriting.
  • Policy delivered electronically.
  • You can manage your policy online.

What could be better

  • Strict eligibility constraints.

Symetra Instant Coverage

A client who qualifies for instant underwriting approval can start and finish their purchase for coverage completely online in as little as 25 minutes.

  1. Client submits online application and e-signs authorization for Symetra to collect required data.
  2. Symetra’s underwriting program reviews client information pulled from third-party databases, such as the Medical Information Bureau, motor vehicle reports, and Rx history.
  3. System simultaneously works to deliver a real-time decision, whether that’s instant approval, or moving into accelerated underwriting or full underwriting.

If client does not qualify for instant coverage, accelerated underwriting may be an option. Accelerated underwriting requires a bit more information. If approved, coverage offered in 24-72 hours.

If client does not qualify for accelerated underwriting, full underwriting is next option. This requires a life insurance medical exam. Medical records may also be ordered. If approved, coverage offered in about 30 days.

Symetra Policy Details

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Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20, 30*
Premiums returned at end of term? No
Riders available: Accelerated Death Benefit, Premium Waiver for Disability, Child Rider, Accidental Death Benefit Rider
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 20
Maximum issue age: 60
Minimum face amount: $100,000
Maximum face amount: $3,000,000
Missed payment grace period: 30 days**

*10-year term available for ages 20-60; 15-year term available for ages 20-60; 20-year term available for ages 20-60; 30-year term available for ages 20-50.

**State of issue, payment mode, and draft date can affect the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

Symetra Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


Up to 75% of the policy’s death benefit ($500,000 maximum) can be accessed in advance if a licensed physician certifies that you are terminally ill with less than 12 months to live. The benefit is paid to you in a lump sum. There is no restriction on the use of proceeds of this accelerated death benefit.

Accidental Death Benefit Rider

*Available at additional cost

If your death is accidental, this rider provides an additional death benefit of up to $250,000.

Child Rider

*Available at additional cost

This rider provides $1,000 to $10,000 of life insurance coverage on dependent children ages 15 days through 17 years. The benefit is paid if death occurs prior to age 23. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

This rider waives policy premiums and continues coverage if you are totally disabled for a consecutive period of at least six months.

Symetra Policy Service


Hours: Monday-Friday, 7:00 AM-5:00 PM Central

Payment Mailing Address

Symetra Life Insurance Company
777 108th Ave NE, Suite 1200
Bellevue, WA 98004

Manage your policy online

Designed for ease-of-use, the portal provides coverage and policy details including riders, next payment date, term end date, and beneficiary information.

What you can do online

  • Make payments.
  • Update address.
  • Update banking information.
  • Change beneficiaries.

The Fine Print

Guidelines & Exclusions

Medical History

Medical history that may disqualify an applicant for instant coverage or accelerated underwriting includes:

  • Alcohol or drug abuse/treatment
  • Barrett’s esophagus
  • Blood clotting disorders
  • Bipolar disorder
  • Cancer
  • COPD/emphysema
  • Crohn’s disease
  • Diabetes
  • Hepatitis B or C
  • Heart disease or heart surgery
  • Marijuana use (current)
  • Multiple sclerosis
  • Muscular dystrophy
  • Parkinson’s disease
  • Rheumatoid arthritis
  • Stroke/deep vein thrombosis/transient ischemic attack (TIA)
  • Sickle cell anemia
  • Systemic lupus erythematosus (SLE)
  • Ulcerative colitis
Non-medical History

Non-medical history that may disqualify applicant for instant coverage or accelerated underwriting includes:

  • Frequent life insurance applications
  • Higher amounts of existing in-force coverage
  • Participation in higher-risk avocations or aviation activity
  • Adverse driving history

Updated: September 2022

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.