Morningstar® Investment Profile™ Morningstar
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Symetra Spinnaker® 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
Non-Standardized Return %
Initial
Annualized
Sh. Class Since
Portfolio Incep. 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incep.

U.S. EQUITY
Large Blend
BNY Mellon Stock Index Service 09-29-891.985.3720.3133.739.7813.7711.238.46
BNY Mellon Sustainable US Eq Port Initl 10-07-932.153.9422.2936.737.7213.4210.267.77
Fidelity VIP Growth & Income Initial 12-31-961.125.6519.8130.8512.1713.9510.097.35
Neuberger Berman AMT Sustainable Eq S 02-18-990.754.8520.0835.809.6113.059.836.98
 
Large Growth
CVT Nasdaq 100 Index I 04-27-002.381.5818.2034.809.8019.7116.286.16
Fidelity VIP Contrafund Initial 01-03-951.713.2928.2842.3810.5116.9112.1110.61
Franklin DynaTech VIP Fund - Class 2 03-01-051.810.5922.5940.220.8712.3710.928.11
Invesco VI American Franchise II 07-03-952.312.1124.3941.566.0914.8911.828.91
LVIP American Century Ultra Service 05-01-011.950.6620.1136.776.6917.6114.537.81
 
Large Value
Fidelity VIP Equity-Income Initial 10-09-861.198.0117.2727.148.8010.708.207.97
Franklin Mutual Shares VIP 2 11-08-960.638.4712.5723.066.006.154.725.70
LVIP American Century Lg Co Val Svc 10-29-040.369.4712.0220.926.067.646.615.81
LVIP American Century Value Std II 05-01-960.387.9910.5420.597.369.567.307.45
Pioneer Equity Income VCT II 03-01-950.637.1810.2218.685.246.537.297.62
 
Mid-Cap Blend
CVT S&P MidCap 400 Index F 05-03-990.986.4011.8924.365.449.688.197.65
Fidelity VIP Mid Cap Service 2 12-28-981.947.0316.5429.056.1111.227.9310.24
 
Mid-Cap Growth
Franklin Small Mid Cap Growth VIP 2 11-01-952.314.546.3022.70-4.729.247.957.34
Invesco V.I. Discovery Mid Cap Growth I 08-15-863.436.5718.1730.56-1.809.4710.158.31
Invesco V.I. Discovery Mid Cap Growth II 08-15-863.426.5117.9530.25-2.049.199.878.03
Neuberger Berman AMT Mid-Cap Growth S 11-03-973.464.3816.0028.74-1.069.088.917.80
 
Mid-Cap Value
LVIP JPMorgan Mid Cap Value Standard 09-28-011.1610.0713.5826.706.598.517.378.87
Neuberger Berman AMT M/C Intrinsic Val S 08-22-010.513.786.5817.753.866.094.515.95
 
Small Blend
CVT Russell 2000 Small Cap Idx F 04-27-000.548.749.6724.500.037.406.695.63
Invesco VI Small Cap Equity II 08-29-031.418.9714.2224.132.4310.096.907.13
 
Small Value
Franklin Small Cap Value VIP 2 05-01-98-0.889.059.9922.744.508.447.316.59
 
 
INTERNATIONAL EQUITY
Diversified Emerging Mkts
Templeton Developing Markets VIP 2 03-04-965.237.6114.1022.49-1.333.502.662.02
 
Foreign Large Blend
CVT EAFE International Index F 11-12-020.546.6811.3322.753.656.153.594.63
 
Foreign Large Growth
Fidelity VIP Overseas Service 2 01-28-870.195.9713.4327.731.957.755.254.61
Invesco VI EQV International Eq II 05-05-930.715.537.4920.821.414.623.415.12
LVIP American Century Intl Std II 04-29-94-0.495.8510.1921.65-2.485.834.054.43
 
Foreign Large Value
DWS CROCI International VIP A 05-01-870.017.376.5817.373.625.272.003.55
 
Global Large-Stock Blend
Templeton Growth VIP 2 03-15-94-0.502.658.3120.494.335.672.704.78
 
 
ALLOCATION
Aggressive Allocation
Morningstar Agrsv Gr ETF Asset Allc II 04-30-071.795.6614.6826.535.818.946.904.50
 
Conservative Allocation
Morningstar Cnsrv ETF Asset Allc II 04-30-071.224.475.9412.32-0.481.071.301.59
 
Moderate Allocation
Calvert VP SRI Balanced I 09-02-861.334.8916.9028.055.838.677.186.20
Franklin Allocation VIP 2 07-02-071.014.7210.4820.682.535.624.013.06
LVIP American Century Bal Std II 05-01-911.454.4111.8222.533.666.655.755.78
Morningstar Balanced ETF Asset Allc II 04-30-071.455.0710.5719.832.835.374.403.43
 
Moderately Aggressive Allocation
Morningstar Growth ETF Asset Allc II 04-30-071.695.4312.9123.564.517.425.874.14
 
Moderately Conservative Allocation
Franklin Income VIP 2 01-24-891.466.278.8916.904.635.083.866.50
Morningstar Inc & Gr ETF Asset Allc II 04-30-071.384.798.3916.171.233.382.922.55
 
Tactical Allocation
PIMCO VIT All Asset Adv 04-30-031.735.206.2613.090.344.472.874.05
 
Target-Date 2000-2010
Fidelity VIP Freedom 2010 Service 2 04-26-051.484.577.3914.490.073.193.373.95
 
Target-Date 2015
Fidelity VIP Freedom 2015 Service 2 04-26-051.564.838.6516.720.694.204.124.48
 
Target-Date 2020
Fidelity VIP Freedom 2020 Service 2 04-26-051.715.2210.0819.201.365.224.784.86
 
Target-Date 2025
Fidelity VIP Freedom 2025 Service 2 04-26-051.765.3511.2021.001.876.015.315.42
 
Target-Date 2030
Fidelity VIP Freedom 2030 Service 2 04-26-051.835.5212.1722.552.486.956.085.75
 
Target-Date Retirement
Fidelity VIP Freedom Income Service 2 04-26-051.364.316.1012.38-0.511.842.142.55
 
 
TAXABLE BOND
Global Bond
Templeton Global Bond VIP 2 01-24-892.749.34-0.138.85-2.04-3.43-2.273.94
 
High Yield Bond
Pioneer High Yield VCT II 05-01-001.064.347.3513.310.941.992.154.06
 
Inflation-Protected Bond
LVIP American Century Infl Prot Svc 12-31-021.373.733.588.13-2.640.580.581.80
 
Intermediate Core Bond
CVT Investment Grade Bd Idx I 03-31-031.204.633.269.67-2.68-1.090.291.61
 
Intermediate Core-Plus Bond
Pioneer Strategic Income VCT II 07-29-991.425.825.8413.67-1.120.891.223.91
 
Intermediate Government
Franklin US Government Securities VIP 2 03-14-890.854.032.878.25-2.27-1.41-0.522.92
 
 
MONEY MARKET
Money Market-Taxable
Fidelity VIP Government MMKT Service 2 04-01-820.280.882.633.521.760.61-0.072.22
7-Day Yield %: 3.10
 
 
COMMODITIES
Commodities Broad Basket
PIMCO VIT CommodityRealReturn® Strat Adm 06-30-045.051.405.451.710.597.26-1.08-0.39
 
 
SECTOR EQUITY
Real Estate
Vanguard VIF Real Estate Index 02-09-993.1216.7112.3032.200.953.185.777.84
 
Technology
BNY Mellon IP Technology Growth Init 08-31-992.36-1.7718.3141.490.7315.0513.285.99
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2000
VY® JPMorgan Emerging Markets Equity I 02-18-984.234.568.7017.59-7.661.702.954.26
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2003
DWS Global Income Builder VIP A 04-06-821.774.8810.6020.802.784.974.536.65
Fidelity VIP Growth Opportunities Init 01-03-953.813.7128.1947.183.8518.7516.589.44
LVIP JPMorgan U.S. Equity Standard 03-30-952.095.3721.3435.5510.8216.1312.278.22
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF November 30, 2004
Pioneer Bond VCT I 07-21-871.275.585.0612.31-2.27-0.020.943.93
Pioneer Fund VCT I 10-31-970.583.2122.1539.1810.7215.4412.407.64
Pioneer Mid Cap Value VCT I 03-01-951.568.3810.6321.897.719.066.457.81
Pioneer Select Mid Cap Growth VCT I 01-07-933.594.9816.7031.86-2.008.018.499.32
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 28, 2005
Federated Hermes Managed Volatility II P 02-10-941.477.9615.0225.623.945.293.614.43
Fidelity VIP Asset Manager Initial 09-06-891.534.889.4218.561.695.684.485.77
Invesco VI Health Care I 05-21-97-2.642.6715.1422.601.888.335.607.09
Voya Global High Dividend Low Vol Port S 01-28-080.388.7213.9621.996.256.475.443.35
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF March 15, 2006
Invesco VI EQV International Equity I 05-05-930.755.627.7221.131.674.883.675.39
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF April 30, 2006
BNY Mellon IP MidCap Stock Init 05-01-982.167.4511.7024.445.879.386.536.06
BNY Mellon VIF Apprec Port Initl 04-05-93-0.192.9913.0424.046.3812.7510.408.49
Federated Hermes High Income Bond II P 03-01-941.304.215.5212.300.772.403.074.71
Fidelity VIP Growth Initial 10-09-861.993.0426.2742.9811.0119.3214.9210.10
Invesco VI American Franchise I 07-03-952.352.1924.6341.936.3515.1812.109.19
Invesco VI Global Real Estate I 03-31-982.7713.768.3623.04-1.74-1.001.854.96
 
PORTFOLIOS AVAILABLE ONLY TO CONTRACT OWNERS CONTINUOUSLY INVESTED AS OF March 15, 2007
LVIP American Century Ultra Std II 05-01-011.960.7020.2336.956.8417.7914.707.97
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 contract has been surrendered, it cannot be reinstated.

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 Variable Annuity is an individual flexible premium deferred variable annuity. Contract form numbers in most states are LPC-1175 2/04 and LPS-1526 5/05 (457). In Oregon the contract form number is LPC-1175/OR 5/05.

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), the mortality & expense risk charge, the asset-related administration charge, a pro rata portion of the $30 annual administration maintenance charge based on Spinnaker's average contract size in the previous calendar year, and the maximum Contingent Deferred Sales Charge (CDSC), but do not include deductions for applicable premium taxes or any optional riders. The CDSC is the lesser of a percentage of the amount withdrawn, starting at 8% in the first year and declining 1% each year until the 9th year when there is no CDSC, or 8.5% of purchase payments.

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 and expense risk charge and asset-related administration charge. The figures do not reflect a deduction for contingent deferred sales charge (or surrender charge) or the annual administration maintenance charge - if those were included, total returns would be lower.

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.