Additional resources

See what’s covered, how to access benefits and more.

Let a pro help guide you

We want you to buy insurance coverage that meets your needs, so we sell our products through financial professionals. Talk to one to see if Cancer Care Compass is right for you.

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

Symetra Accumulator Ascent IUL and Protector IUL are flexible-premium adjustable life insurance policies with index-linked interest options. Symetra Accumulator Ascent IUL policy form number is ICC17_LC1 in most states and Symetra Protector IUL policy form number is ICC18_LC2 in most states.

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 products.

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. Clients should consult with their legal or tax professional prior to purchasing.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in-force. Please contact your insurance professional for complete details.

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^SM 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.

If the insured is certified as having been diagnosed with a Category One or Two cancer after the benefit waiting period, the policyowner will be eligible to receive a lump-sum cash benefit. The claim must be submitted to Symetra with a board-certified physician’s statement and proof of the insured’s qualifying cancer diagnosis as soon as reasonably possible. The initial benefit amount may be lower than the maximum benefit amount elected (Category One) if the diagnosis is first certified as a Category Two cancer. If the insured is subsequently diagnosed and certified with a Category One cancer, any remaining benefit will be paid out in a lump sum. When the total maximum benefit amount is paid, the rider will terminate and the monthly rider charges will stop. In no case will the total benefit amount be higher than the maximum benefit amount. The payout of the rider’s benefit amount will have no effect on the policy’s death benefit, accelerated death benefit rider benefits, policy value or loan value. For policies with a lapse protection benefit, the lapse protection value will be reduced by rider charges.

Monthly rider charges, when deducted from the policy value, are treated as withdrawals and are subject to the same income tax rules that apply to any other withdrawals. The purchase of this rider and/or receipt of a Cancer Benefit Amount payment may have other income tax consequences. Consult with your personal tax or legal professional before applying for this benefit.

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.

Products and services offered under the Value Added Services Rider are not insurance and are subject to change. For more information, please contact Symetra at www.symetra.com or by telephone at 1-800-796-3872. There are additional requirements associated with participation in the value-added services. 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.

Important note: If you’re a resident of Arizona, please click here for exclusions and limitations for the Cancer Insurance Rider.

Symetra is offering access to the Galleri test to insureds beginning at age 50. The insured may qualify at an earlier age if they have certain risk factors. GRAIL does not recommend testing in individuals who are pregnant or undergoing active cancer treatment. You can check eligibility requirements on the Galleri website for Symetra customers before requesting the test.

The Galleri screening test does not detect a signal for all cancers, and not all cancers can be detected in the blood. False positive and false negative signal results do occur. The Galleri test should be used in addition to healthcare provider recommended screening tests.

Detection of a cancer signal is not a diagnosis of cancer. If a cancer signal is detected, the insured will be responsible for the cost of follow-up diagnostic procedures. For information about family member eligibility for Health Advocate and Savor Health’s Ina®, contact Symetra Customer Service at 1-800-796-3872.

¹ American Cancer Society, June 5, 2023.

² She was already battling cancer. Then she had to fight the bill collectors. NPR.org, July 9, 2022.

Cancer Care Compass^SM is a service mark of Symetra Life Insurance Company.

WEB-1572 12/24