Notice Document by Insurance Company - Form N-VP

There is no charge for early withdrawal.

A Transfer Charge of $10 will apply upon each transfer in excess of 4 transfers in a certificate year.

Ongoing Fees and Expenses (annual charges)

(1) Base Certificate fees are expressed as a percentage of Separate Account assets, and include mortality and expense risk fees, which are charged as a percentage of Certificate Value, and the annual Certificate fee, which is a fixed dollar amount.

(2) Portfolio fees and expenses are expressed as a percentage of the Portfolio's net asset value and include management fees, distribution and/or service 12b-1 fees, and other expenses (before any waivers or expense reimbursement).

Because your certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges.

Lowest Annual Cost:

$1,653.73

Highest Annual Cost:

$1,971.21

The Lowest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Least expensive combination of certificate classes and Portfolio Company fees and expenses

•No sales charges

•No additional purchase payments, transfers or withdrawals

The Highest Annual Cost shown above assumes the following:

•Investment of $100,000

•5% annual appreciation

•Most expensive combination of certificate classes and Portfolio Company fees and expenses

•No sales charges

•No additional purchase payments, transfers or withdrawals

You may lose money by investing in the certificate.

The certificate is not a short-term investment and is not appropriate if you need ready access to cash. The benefits of tax deferral and living benefit protections also mean the certificate is more beneficial to investors with a long time horizon. Tax penalties may apply to withdrawals taken before age 59 ½. Transfer limits and fees designed to deter marketing timing may apply under policies designed to deter frequent trading and market timing.

Investment in the certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the contract and certificates issued thereunder. Each Portfolio has its own unique risks. You should review these Portfolios before making an investment decision.

Investment in the certificate is subject to the risks related to Symetra Life Insurance Company. Any obligations, including obligations related to the Symetra Fixed Account, guarantees, and benefits provided for under the contract are subject to our financial strength and claims-paying ability. More information about us, including our financial strength ratings, is available upon request by calling 1-800-796-3872, or visiting us at www.symetra.com/regulatoryreports.

You may allocate amounts under the certificate to one or more of the Sub-accounts available to you. Certain Sub-accounts are closed to new investors and only available to certificate owners who have been continuously invested in them as of a certain date. Once a certificate owner has transferred the entire value out of one of these closed Sub-accounts, the Sub-account is no longer available to the certificate owner for investment. A transfer charge may apply for each transfer in excess of 4 transfers in a certificate year. We reserve the right to add, combine, restrict or remove any Sub-account available as an investment option under your contract or the certificates issued thereunder.

You should consult a competent tax professional about your individual circumstances to determine the tax implications of an investment in and purchase payments received under the certificate. Access to amounts held in a qualified certificate may be restricted or prohibited.

All distributions other than death benefits, including surrenders, withdrawals and loans taken or secured by the certificate will be subject to ordinary income tax, and may be subject to tax penalties.

Investment professionals who solicited sales of the contracts receive a portion of the commission payable to the broker-dealer firm, depending on the agreement between the broker-dealer and the investment professional. We pay commissions as a percentage of Purchase Payments invested in the certificate

An investment professional may receive different compensation for selling different investment products and may have a financial incentive to offer or recommend one investment product over another.

An investment professional may have a financial incentive to offer you a new contract in the place of a contract you already own.

You should not exchange this certificate for a new one unless you determine, after comparing the features fees and risks of both contracts or certificates, that the exchange is preferable for you.

CURRENT EXPENSES

(As of 12/31/2023)

AVERAGE ANNUAL TOTAL RETURN

(As of 12/31/2023)

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