Symetra Select Max – Fixed Growth with Flexibility and Long-Term Security
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed growth, tax-deferred accumulation, and financial stability through customized annuity solutions. The Symetra Select Max Fixed Deferred Annuity is designed for individuals seeking fixed, predictable returns, principal protection, and flexible payout options to support their retirement planning. This policy is issued by Symetra Life and Annuity Insurance Company.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
This annuity delivers guaranteed fixed interest rates for 3, 5, or 7 years, providing stable, tax-deferred growth without exposure to market volatility. Policyholders benefit from penalty-free withdrawals of accumulated interest, ensuring access to funds when needed without interrupting long-term savings goals.
At the time of publication of this article, interest rates on this product are competitive with similar options in the fixed annuity marketplace. For up-to-date rate comparisons and terms, visit our annuity rate page here.
The Symetra Select Max also includes additional withdrawal charge waivers for nursing home confinement and terminal illness, providing peace of mind in challenging situations. At the end of the guarantee period, clients have several options: they may renew at current rates, take penalty-free withdrawals, or convert their accumulation value into an income stream.
A guaranteed death benefit is included, ensuring that beneficiaries receive the greater of the contract accumulation value or the guaranteed minimum value, offering security for legacy planning.
This annuity is backed by the financial strength and disciplined investment management of Symetra Life Insurance Company—known for its stability and reliability. By working with Diversified Insurance Brokers, you’ll receive expert guidance in evaluating the right annuity for your specific retirement needs.
🎯 Looking for a secure way to grow and protect your retirement savings?
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Symetra Select Max Annuity
What is Symetra Select Max?
Symetra Select Max is a fixed annuity contract designed to deliver a guaranteed fixed rate of return over the selected guarantee period, offering security and predictability for savers.
What guarantee terms are available?
Select Max offers multiple term lengths — giving you flexibility to choose a period that matches your savings horizon and financial goals.
How is interest credited under Select Max?
Interest is credited at a fixed rate determined at issuance. That rate remains locked in for the duration of the guarantee period, unaffected by market fluctuations.
Are penalty-free withdrawals allowed?
Yes. Many versions include a penalty-free withdrawal option, allowing you to access a portion of your account each contract year under specified limits.
Is there a surrender charge if I withdraw early?
Yes. Early full withdrawals or withdrawals beyond penalty-free limits may incur surrender charges. The schedule depends on the selected term.
Does Select Max include a Market Value Adjustment (MVA)?
Some contract versions may include an MVA, which can adjust withdrawal value up or down if surrendered early, depending on interest rate changes since purchase.
Can this annuity be used inside an IRA or qualified retirement account?
Yes. Select Max is typically allowed within qualified retirement accounts as well as non-qualified funds, offering flexibility for different savings strategies.
What happens when the guarantee period ends?
At maturity you can withdraw the full value without surrender charges, renew into a new rate period, or roll the funds into another investment or annuity depending on your goals.
Is Select Max a good fit for conservative savers?
Absolutely. It’s ideal for individuals seeking stability, guaranteed growth, low maintenance, and a safe place to allocate savings without market risk.
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.
