Morningstar® Investment Profile™ Morningstar
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Symetra Spinnaker® Plus Variable Annuity Morningstar Logo
Release date as of 09-30-2024. Data on page is subject to change.
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Total Returns as of 09-30-2024
Overall Net Gross
Style Morningstar Expense Expense
Portfolio EQ FI Rating Ratio Ratio

U.S. EQUITY
Large Blend
BNY Mellon Stock Index Service Eq Style BoxOverall MStar Rating0.520.52
BNY Mellon Sustainable US Eq Port Initl Eq Style BoxOverall MStar Rating0.670.67
Fidelity VIP Growth & Income Initial Eq Style BoxOverall MStar Rating0.490.49
 
Large Growth
Fidelity VIP Contrafund Initial Eq Style BoxOverall MStar Rating0.560.56
 
Large Value
Fidelity VIP Equity-Income Initial Eq Style BoxOverall MStar Rating0.470.47
Franklin Mutual Shares VIP 2 Eq Style BoxOverall MStar Rating0.930.93
LVIP American Century Value Std II Eq Style BoxOverall MStar Rating0.710.74
Pioneer Equity Income VCT II Eq Style BoxOverall MStar Rating1.081.08
 
Mid-Cap Growth
Franklin Small Mid Cap Growth VIP 2 Eq Style BoxOverall MStar Rating1.081.10
 
Mid-Cap Value
LVIP JPMorgan Mid Cap Value Standard Eq Style BoxOverall MStar Rating0.740.74
 
 
INTERNATIONAL EQUITY
Diversified Emerging Mkts
Templeton Developing Markets VIP 2 Eq Style BoxOverall MStar Rating1.351.36
 
Foreign Large Growth
Invesco VI EQV International Eq II Eq Style BoxOverall MStar Rating1.151.15
LVIP American Century Intl Std II Eq Style BoxOverall MStar Rating0.951.06
 
Global Large-Stock Blend
Templeton Growth VIP 2 Eq Style BoxOverall MStar Rating1.121.16
 
 
ALLOCATION
Moderate Allocation
LVIP American Century Bal Std II Eq Style BoxFI Style BoxOverall MStar Rating0.770.86
 
Moderately Conservative Allocation
Franklin Income VIP 2 Eq Style BoxFI Style BoxOverall MStar Rating0.710.72
 
 
TAXABLE BOND
High Yield Bond
Pioneer High Yield VCT II FI Style BoxOverall MStar Rating1.201.60
 
Intermediate Core-Plus Bond
Pioneer Strategic Income VCT II Overall MStar Rating1.061.56
 
Intermediate Government
Franklin US Government Securities VIP 2 FI Style BoxOverall MStar Rating0.770.77
 
 
MONEY MARKET
Money Market-Taxable
Fidelity VIP Government MMKT Service 2 0.520.52
7-Day Yield %: 3.25
 
 
SECTOR EQUITY
Technology
BNY Mellon IP Technology Growth Init Eq Style BoxOverall MStar Rating0.780.78
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2000
VY® JPMorgan Emerging Markets Equity I Eq Style BoxOverall MStar Rating1.191.25
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2003
DWS CROCI International VIP A Eq Style BoxOverall MStar Rating0.840.95
DWS Global Income Builder VIP A Eq Style BoxOverall MStar Rating0.650.65
Fidelity VIP Growth Opportunities Init Eq Style BoxOverall MStar Rating0.590.59
LVIP JPMorgan U.S. Equity Standard Eq Style BoxOverall MStar Rating0.690.69
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF November 30, 2004
Pioneer Bond VCT I FI Style BoxOverall MStar Rating0.640.64
Pioneer Mid Cap Value VCT I Eq Style BoxOverall MStar Rating0.800.80
Pioneer Select Mid Cap Growth VCT I Eq Style BoxOverall MStar Rating0.920.92
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2007
BNY Mellon IP MidCap Stock Init Eq Style BoxOverall MStar Rating0.800.87
BNY Mellon VIF Apprec Port Initl Eq Style BoxOverall MStar Rating0.850.85
Federated Hermes High Income Bond II P FI Style BoxOverall MStar Rating0.810.88
Federated Hermes Managed Volatility II P Eq Style BoxFI Style BoxOverall MStar Rating0.971.10
Fidelity VIP Growth Initial Eq Style BoxOverall MStar Rating0.580.58
Invesco VI American Franchise I Eq Style BoxOverall MStar Rating0.860.86
Invesco VI Global Real Estate I Eq Style BoxOverall MStar Rating1.021.02
Disclosure

This product is no longer available for new business. If you currently have a balance in this variable annuity contract, you may continue to make additional purchase payments. However, once the entire balance has been withdrawn or transferred out, this variable annuity contract will no longer be available for future purchase payments.

This material must be preceded or accompanied by a current prospectus.

Before investing, carefully consider the investment objectives, risks, charges and expenses. This and other information is contained in the contract prospectus and the underlying portfolio prospectuses. You may call or write your Registered Representative or Symetra for free copies of the prospectuses or visit www.symetra.com for online copies. Please read them carefully before investing.

The performance figures quoted represent past performance. Past performance is no guarantee of future results. Current performance may be lower or higher than the performance data quoted. Performance data as of the most recent month end can be obtained at www.symetra.com. Investment return and principal value may fluctuate with changes in market conditions. Market volatility and interest rate changes, among other factors, can drastically affect a portfolio's return. Thus, when redeemed, units may be worth more or less than what was paid.

Securities are offered through Symetra Securities, Inc. (SSI). Variable annuities are issued by Symetra Life Insurance Company (SLIC) and are not available in all U.S. states or any U.S. territory. SSI and SLIC are affiliates and both are located at 777 108th Ave. NE, Suite 1200, Bellevue, WA 98004-5135. Each company is responsible for its own financial obligations.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Spinnaker Plus Variable Annuity is an individual flexible premium deferred variable annuity contract. Contract form number in most states, including Oregon, is LPC-417 7/93.

The standardized chart shows performance only as far back as the date the portfolio became part of the separate account. The performance figures are average annual total returns based on a single purchase payment of $1,000. They include deductions for the investment management fees and other expenses (including 12b-1 fees) and the mortality & expense risk charge, but do not include deductions for applicable premium taxes.

The non-standardized performance figures are hypothetical and are based on past performance, after deductions for investment management fees and other expenses (including 12b-1 fees) and the mortality & expense risk charge.

Variable annuities, which are suitable for long term investing, are subject to market risks, including the loss of principal invested. While non-qualified annuities offer the added benefit of tax deferral, in the case of qualified annuities, the tax deferral is provided by the retirement plan itself. The investor should focus on the benefits offered by a Variable Annuity to assess if a Variable Annuity is right for them.

A portfolio is a pooled funding vehicle established by an investment company and made available exclusively to a participating insurance company's separate account. There are special risks associated with investing in certain portfolios. Examples may include small company, geographic, international, emerging markets, interest rate, defaulted debt and sector focus. See the underlying portfolio prospectus(es) before investing.

You could lose money by investing in the Fidelity VIP Government Money Market Portfolio. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the portfolios sponsor, have no legal obligation to provide financial support to the Portfolio, and you should not expect that the sponsor will provide financial support to the portfolio at any time.

Money market yield is a function of type, quality and maturity of a portfolio's investment portfolio and operating expenses. Money market portfolio yield is the annualization on a 365-day basis of the portfolio's net income over a 7-day period. Effective yield is the yield calculated with dividends reinvested. These yields should not be considered representative of future yields as they are not fixed or guaranteed, and the portfolio is not insured. The 7-day yield quotation more closely reflects the current earnings of the portfolio than the total return quotations.

Average annual total return is the average annual percentage change in the unit value of an investment, assuming the reinvestment of dividends and capital gains, over a stated period of time. The YTD total return is the total percentage change in the unit value of an investment, assuming reinvestment of dividends and capital gains, over the stated period of time.

The fund of funds are subject to the risks of their underlying funds, including the volatility of the financial markets in the U.S. and abroad, as well as the additional risks associated with investing in high yield, small-cap, and foreign securities.

The Morningstar Rating™ for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The Morningstar Rating does not include any adjustment for sales loads. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics.

Overall ratings represent a weighted average of specific time period (3-, 5- and 10-year) ratings.

Symetra® and Symetra Spinnaker® are registered service marks of Symetra Life Insurance Company.