Symetra Income Edge Fixed Indexed Annuity – Lifetime Income with Growth Potential and Flexibility
Reliable Income with Built-In Flexibility
At Diversified Insurance Brokers, we specialize in helping clients secure guaranteed lifetime income, tax-deferred growth, and market protection through carefully selected annuity products. One of the top-performing options for income-focused retirees is the Symetra Income Edge Fixed Indexed Annuity, issued by Symetra Life Insurance Company.
Designed with long-term stability in mind, this annuity is ideal for individuals who want income they can’t outlive, with the flexibility to adapt their strategy as financial needs evolve.
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Lifetime Income with an Annual Roll-Up Boost
At the core of the Income Edge Annuity is its Guaranteed Lifetime Withdrawal Benefit (GLWB) rider, which provides income for life—even if your account value runs out. The GLWB includes an annual roll-up feature that increases your income base by a guaranteed percentage each year for up to 10 years, provided no withdrawals are taken.
This roll-up allows retirees to significantly boost their future income potential, especially if they plan to defer withdrawals during the early years of retirement.
Market Protection with Growth Opportunities
Like other fixed indexed annuities, the Symetra Income Edge protects your principal against market losses while offering growth tied to the performance of market indices. You can choose from various index-linked crediting strategiesdesigned to balance growth and protection—giving your retirement savings more potential than traditional fixed-rate products, without exposing them to volatility.
And since earnings are tax-deferred, your accumulation can grow faster by avoiding annual taxation until withdrawal.
Flexible Payout Options and Income Strategies
Symetra gives policyholders control over how they receive income. The annuity offers two key withdrawal strategies:
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Level Withdrawals: Provides a steady, guaranteed income stream that doesn’t change with market performance
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Index-Linked Withdrawals: Offers the potential for income increases over time, depending on index performance, helping retirees keep pace with inflation
Whether you value predictability or growth potential, this product lets you customize your payout strategy.
Additional Benefits and Liquidity Features
The Symetra Income Edge also includes:
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Penalty-free withdrawals of up to 10% annually starting in the second contract year
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Access to lifetime income even if the account is depleted
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Joint life payout options for spouses
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Death benefit protection, ensuring any remaining account value passes to beneficiaries
These features make the annuity flexible and reliable for both single retirees and couples.
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Why Choose Diversified Insurance Brokers
With access to over 75 top-rated insurance carriers, including Symetra, our advisors at Diversified Insurance Brokers can help you evaluate your retirement income goals, compare annuity options, and secure the right product for your needs.
If you’re looking for a guaranteed income stream with growth potential, the Symetra Income Edge Annuity is an excellent fit—and we’re here to help you determine if it’s right for your situation.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Symetra Income Edge
What is Symetra Income Edge?
Symetra Income Edge is an immediate or deferred income annuity designed to provide guaranteed lifetime income. It allows policyholders to convert a lump sum (or series of premiums) into a predictable stream of income, making it a potential retirement income foundation.
How does the income payment work?
You elect a payout start date (immediately or deferred), and Symetra uses actuarial tables plus your age and payment option to calculate a fixed periodic payment — monthly, quarterly, or annually — that lasts for life (or a chosen payout period).
Can I include a joint-life payout for a spouse or partner?
Yes. Symetra Income Edge typically offers joint-life payout options so income continues to the surviving spouse or partner after the first death. The payout amount is adjusted to reflect the joint-life guarantee.
Is principal protected?
Yes. As a life-income annuity, once payments begin, the insurer guarantees the income regardless of how long you live. Principal is protected by the contract structure, though you forfeit access to the lump sum in exchange for lifetime payments.
What if I die early — before lifetime payout recoups my premium?
Many payment options include “period certain” or “refund guarantee” riders. A period-certain option ensures payments continue for at least a set number of years even if you pass away; a refund rider returns any unused portion of your premium to beneficiaries.
Can I take withdrawals or lump-sum distributions after income starts?
No. Once annuitization begins, income is paid per the contract schedule, and additional withdrawals or lump sums are generally not permitted. The trade-off is income security in exchange for liquidity.
What are the tax implications?
Payments from a non-qualified annuity are taxed as ordinary income on the portion representing earnings; part may be treated as a return of principal (excluded from tax) under the exclusion ratio. If funded inside a qualified plan or IRA, entire payments are taxable as ordinary income.
Who is Symetra Income Edge best suited for?
It’s ideal for individuals or couples nearing or in retirement who want guaranteed income they cannot outlive, want to reduce investment risk, and prefer simplicity over managing withdrawals and market volatility.
What are the trade-offs or drawbacks?
By choosing lifetime income, you lose liquidity and flexibility. You generally cannot access the lump-sum principal again, changing your mind later may not be possible, and you are relying on the insurer’s financial strength for guarantees.
When should I consider purchasing Income Edge?
Many buy at or near retirement — often when other guaranteed income sources (like Social Security or pensions) begin — to create a stable foundation. Others use a portion of retirement savings from rollovers or lump sums they don’t need for liquidity.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
