Symetra Life Insurance Company is a subsidiary of Sumitomo Life Insurance Company of Japan, founded in 1957 and headquartered in Bellevue, Washington. Symetra has distinguished itself as one of the most technology-forward life insurance carriers in the market, offering the industry’s fastest accelerated underwriting program and competitive pricing for healthy applicants.
AM Best Rating: A (Excellent)
Symetra carries an A (Excellent) rating from AM Best, reflecting strong financial stability backed by parent company Sumitomo Life — one of Japan’s largest life insurers.
SwiftTerm — Fastest in the Industry
Symetra’s SwiftTerm digital platform delivers exam-free decisions in as little as 18 minutes for qualifying applicants. No lab work, no medical exam, no paramedical appointment — just a fast, streamlined online application.
No-Exam Coverage Limits
SwiftTerm offers exam-free coverage up to $3 million for applicants ages 18–50 and up to $2 million for ages 51–60. Among the highest no-exam face amount limits available from any carrier.
Term Life Insurance
Symetra offers term life in 10, 15, 20, and 30-year durations. Competitive pricing for healthy applicants, particularly in the 25–55 age range.
Universal Life Insurance
Symetra offers universal life products for clients seeking permanent coverage with flexible premium structures and death benefit options.
Best For
Healthy applicants ages 18–55 who want the fastest possible approval process; clients seeking high no-exam limits ($2M–$3M); tech-forward buyers who prefer a fully digital application experience.
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