Symetra Select Pro Fixed Deferred Annuity – Predictable Growth, 15% Liquidity, and Strong Guarantees
At Diversified Insurance Brokers, we work with clients nationwide to craft retirement solutions that emphasize safety, tax-deferred growth, and guaranteed returns. One of the top options we recommend for fixed accumulation is the Symetra Select Pro Fixed Deferred Annuity—a multi-year guaranteed annuity that delivers stable interest, flexible liquidity, and dependable protection for your retirement savings. This policy is issued by Symetra Life and Annuity Insurance Company.
Whether you’re looking to preserve your principal, grow your money safely, or lock in guaranteed interest for a specific term, the Symetra Select Pro provides a balanced and secure way to meet those goals.
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What Makes the Select Pro Stand Out
The Symetra Select Pro offers guaranteed fixed interest rates for 3, 5, or 7 years, giving you a clear and stable growth path for your retirement savings. These fixed rates allow you to sidestep market volatility and know exactly how much your money will grow—year after year.
All growth is tax-deferred, meaning you won’t pay taxes on the interest until you begin taking distributions. This can give your money more time to compound and grow efficiently inside the annuity.
High Liquidity and Access to Funds
What sets the Select Pro apart is its generous 15% annual penalty-free withdrawal provision, which allows you to access a portion of your funds each year without surrender charges. This is higher than the industry standard 10% and offers valuable flexibility for managing income or unexpected expenses.
Additional withdrawal charge waivers are available in specific situations, including:
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Terminal illness
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Nursing home confinement
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Required Minimum Distributions (RMDs)
This combination of access and protection ensures that your annuity works not just as a growth tool—but as a resource you can rely on when life changes.
Strong Guarantees and Payout Flexibility
The guaranteed death benefit ensures your beneficiaries will receive the greater of your contract’s accumulation value or the guaranteed minimum value, helping protect your legacy with certainty.
At the end of your guarantee period, you have multiple options:
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Renew at a new guaranteed rate
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Convert to an income stream
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Withdraw your funds without penalties
This flexibility gives you full control over how your annuity supports the next stage of your retirement plan.
Who Should Consider the Select Pro?
The Symetra Select Pro is an excellent fit for conservative investors looking for:
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Guaranteed, fixed returns over a specific term
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High annual liquidity of up to 15%
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Protection against market volatility
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Structured legacy planning
Whether you’re rolling over retirement savings or looking to shield part of your portfolio from market swings, this product offers peace of mind and powerful guarantees.
Why Work With Diversified Insurance Brokers?
At Diversified Insurance Brokers, we help clients compare annuities across over 75 top-rated insurance companies, including Symetra. Our advisors walk you through the fine print, ensuring you understand your interest rate options, liquidity rules, and payout features—so you can confidently choose what fits your retirement goals.
We’re not just here to quote rates—we’re here to build smart retirement strategies with you, every step of the way.
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 Select Pro Fixed Deferred Annuity
What is the Symetra Select Pro Fixed Deferred Annuity?
It is a multi-year guaranteed fixed annuity offering predictable, contractually guaranteed interest rates for a set term, making it a conservative accumulation option.
What guarantee terms are available?
Select Pro is typically offered in multiple term lengths, allowing buyers to choose a period that fits their savings timeline and rate expectations.
How are interest rates credited?
Interest is credited at a guaranteed rate for the full duration of the selected term, with no market fluctuation or index-linked variability.
Are penalty-free withdrawals allowed?
Most versions allow a penalty-free withdrawal of a portion of the contract value each policy year, typically starting after the first contract anniversary.
Is there an MVA (market value adjustment)?
Some versions include an MVA, which may adjust surrender values during early withdrawals depending on interest rate movement.
Can the contract be renewed?
Yes. At the end of the term, the contract typically offers renewal options, allowing owners to select a new rate period or move funds elsewhere.
Is the Select Pro available in qualified accounts?
Yes. It may be available for both qualified and non-qualified funds, depending on state approval and custodial requirements.
How liquid is the annuity during the term?
Aside from penalty-free withdrawals, liquidity is limited during the surrender charge period, which protects the guaranteed interest rate.
What happens if interest rates rise during my term?
Your contract rate remains guaranteed, but an MVA may apply if you withdraw early. At renewal, you can take advantage of new available rates.
Who is Symetra Select Pro best suited for?
It suits conservative savers looking for predictable growth, guaranteed rates, and a stable place to allocate part of their retirement or non-retirement savings.
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.
