exd6 Buffer Plus Par and cap Endorsement

Symetra Life Insurance Company

[777 108th Avenue NE, Suite 1200 | Bellevue, WA 98004-5135]

[Mail to: PO Box 674420 | Houston, TX 77267-4420]

[Phone 1-800-796-3872 | www.symetra.com]

POINT TO POINT WITH BUFFER PLUS, PARTICIPATION RATE, AND CAP INDEXED

ACCOUNT ENDORSEMENT

This endorsement is attached to and becomes part of the Contract. This endorsement is subject to all of the provisions of

the Contract, except as otherwise stated herein. If any provisions of the Contract conflict with this endorsement, the

provisions of this endorsement will apply.

The effective date of this endorsement for new Contracts is the Contract Date and for existing contracts is the

Endorsement Effective Date.

This endorsement makes certain Indexed Account(s) available for your Contract using the Crediting Method

described. We reserve the right to offer any combination of Indexed Accounts using the crediting features

described in this endorsement. Certain Indexed Accounts are only available on the Contract Date and may not

be available in subsequent Contract Years.

Contract Number:[000000000000]

Owner(s):[John Doe]

Endorsement Effective Date:[01/01/2023]

Guaranteed Minimum Participation Rate:[100%] during the Surrender Charge Period, [100%] thereafter

Indexed Accounts:


Index	Interest Term	Buffer Plus Rate	Initial Allocation	Initial Cap	Initial Participation Rate	Indexed Account Charge
[S&P 500[*]	6 years	20%	10%	-	100%	-]

Indexes are not available for direct investment, and do not include the payment or reinvestment of dividends in

the calculation of its performance unless otherwise noted. [*Includes dividends.]

SECTION 1: DEFINITIONS

Guaranteed Minimum Participation Rate: The minimum Participation Rate applicable to Indexed Accounts available

under this endorsement.

Buffer Plus Rate: A rate added to the Index Return at the end of an Interest Term if the Index Return is negative, or the

minimum Adjusted Index Return if the Index Return is positive or zero.

Cap: The maximum positive Adjusted Index Return that can be credited to an Indexed Account for an Interest Term.

Participation Rate: A percentage that can be applied to the Index Return for an Interest Term as specified in the

Crediting Method.

SECTION 2: OVERVIEW

We will declare a Participation Rate for each Interest Term. We may also declare a Cap for a given Interest Term if the

Participation Rate is equal to the Guaranteed Minimum Participation Rate. If the Indexed Account will have a Cap for the

Interest Term, we will declare the Cap prior to the beginning of the Interest Term.

If both a Participation Rate and a Cap apply during a given Interest Term, at the end of the Interest Term we apply the

Participation Rate to the Index Return first and then apply the Cap.

Initial Participation Rates and initial Caps shown above are applicable for the initial Interest Term only. Subsequent

Participation Rates and Caps are subject to change for each subsequent Interest Term and may differ from the

Participation Rate and Cap used for new Contracts. Subsequent Participation Rates will never be less than the

Guaranteed Minimum Participation Rate. Subsequent Caps, if applicable, will never be less than the Buffer Plus Rate.

The Indexed Account Charge and Buffer Plus Rate stated above for each respective Indexed Account will not change

for the life of the Contract.

SECTION 3: CREDITING METHOD

The Crediting Method applicable to the Indexed Account(s) shown above is the Point to Point with Buffer Plus, Participation

Rate, and Cap method.

To calculate Indexed Interest, we first calculate the Index Return. The Index Return is equal to:

1.the Index Value on the date the current Interest Term ends; minus

2.the Index Value on the date the current Interest Term begins; divided by

3.the Index Value on the date the current Interest Term begins;

Next, we determine the Adjusted Index Return by applying the Buffer Plus Rate, Participation Rate, and Cap, if applicable:

If the Index Return is positive or zero:

The Adjusted Index Return is equal to:

•the Buffer Plus Rate, plus

•the Index Return in excess of the Buffer Plus Rate, if any, multiplied by the Participation Rate, with

•the result not to exceed the Cap, if applicable

If the Index Return is negative:

The Adjusted Index Return is equal to the Index Return plus the Buffer Plus Rate.

The Adjusted Index Return is then multiplied by the Indexed Account’s Base Value on the last day of the Interest Term.

If an Indexed Account Charge applies, it is deducted from the Indexed Account Value after any interest is credited.

SECTION 4: INDEXED ACCOUNTS AVAILABLE AT THE END OF EACH CONTRACT YEAR

Before the end of each Contract Year, we will provide a notice that includes the fixed and Indexed Account options available

to you for allocation.

Your current Contract Year will determine the Interest Term of the Indexed Accounts available to you for allocation, as shown

in the table below:


Contract Year	Indexed Accounts Available for Allocation
Contract Year 1 (Contract Date)	1-Year and 6-Year Interest Terms
Contract Year 2	1-Year and 5-Year Interest Terms
Contract Year 3	1-Year and 4-Year Interest Terms
Contract Year 4	1-Year and 3-Year Interest Terms
Contract Year 5	1-Year and 2-Year Interest Terms
Contract Year 6 and beyond	1-Year Interest Term

Not all Indexed Account options available for allocation on the Contract Date will be available for allocation in subsequent

Contract Years. After the initial Contract Year, additional Indexed Account options may become available for that Contract

Year, and existing Indexed Account options will be unavailable for additional allocations. You may transfer all or a portion of

your Fixed Account Value and/or Indexed Account Value among the Indexed Account options available subject to the

conditions in the Transfer section of the Contract.

[Indexed Accounts Available After Contract Date:

The Participation Rate shown below is the minimum rate that may apply, the actual rate available may be higher.


Index	Interest Term	Buffer Plus Rate	Participation Rate	Indexed Account Charge
[S&P 500[*]]	[6 Year(s)]	[20%]	[100%]	[-]

Indexes are not available for direct investment, and do not include the payment or reinvestment of dividends in the

calculation of its performance unless otherwise noted. [*Includes dividends.] ]

SECTION 5: TERMINATION

This endorsement terminates on the date the Contract terminates.

Symetra Life Insurance Company

[Margaret Meister]

[President]

[INDEX DISCLOSURE]

[Symetra® is a registered service mark of Symetra Life Insurance Company.]