Cancer Care Compass℠

Life insurance is issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Policies and riders may not be available in all U.S. or any U.S. territory and terms and conditions may vary by the state in which they are available.

Symetra’s Cancer Care Compass℠ is a rider package comprised of the Cancer Insurance and Value Added Services riders and is available with certain Symetra indexed universal life insurance policies.

Cancer Care Compass can only be sold by licensed insurance producers with a health line of authority.

A rider is a provision of the policy that may have additional costs, limitations, potential benefits, and features that should never be confused with the base policy itself. Before evaluating the benefits of a rider, carefully examine the policy to which it is attached.

Certain benefits or riders may have tax implications. You should consult with your legal or tax professional prior to purchasing.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in-force.

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

The Cancer Insurance Rider is offered at application for an additional cost and is usually issued under rider form number L-10351. The rider is only available for insureds issue ages 20-80, and if elected, additional underwriting will be required. It’s possible that the insured is approved for the base policy but declined for the rider based on the rider underwriting results. The rider is not available on policies with ratings worse than Table 4, with annual flat extras exceeding $5 per $1,000, or with both flat extras and table rates. The maximum cash benefit amount is selected at application and cannot be increased once the rider is issued. If the Cancer Insurance Rider is declined, the Value Added Services Rider is not available.

Cancer Care Compass includes the Value Added Services Rider for an additional cost and is usually issued under form number L-10358.  The value-added services are provided by third-party providers that are independent of Symetra Life Insurance Company. Registering to use or using these services is optional.

The Galleri® multi-cancer early detection screening test is administered by GRAIL, LLC, and is available one time to insured’s ages 50-89 under the rider after the benefit waiting period. The test is available through an independent telemedicine healthcare provider. The test results are provided to the insured. Access to the rider’s nutrition or health advocacy services are available after the benefit waiting period and will remain available to the policyowner and their eligible family through the insured’s age 90 or at no additional cost for two years following the payment of the rider maximum benefit amount.

Services offered under the Value Added Services rider are subject to change. Terms and conditions may vary and may not be available in all U.S. states or any U.S. territory. If any service is discontinued or if we elect to cease to offer a service, we may substitute a reasonably comparable service. If no reasonably comparable service is available, we may discontinue the specific service and cease charging for that service.

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