<Presenter’s Name><Date of presentation>

Presented by Symetra Life Insurance CompanyRedmond, Washington

Symetrasm and the Symetra Financial logo are service marks of Symetra Life Insurance Company.Life insurance is issued by Symetra Life Insurance Company777 108th Ave NE, Suite 1200, Bellevue, WA 98004

Approved for agent and advisor use onlyEOXP37 7/06

Life Insurance Selling Made Easy

SYMETRA LIFE INSURANCE COMPANY

Symetra.com

Symetra Financial is a family of companies with nearly a half-century of experience providing retirement plans, employee benefits, annuities and life insurance through independent distributors nationwide. It’s insurance company subsidiaries have nearly $20 billion in assets* and is owned by an investor group led by White Mountains Insurance Group Ltd. and Berkshire Hathaway Inc.

*Source: Total GAAP assets per closing statements of Symetra Life Insurance Company, December 31, 2005.

Agents and Advisors Home Page

“One of our distinguishing strengths is creative innovation. True to our Northwest roots, we’ve

harnessed the power of the Internet to make life insurance and annuity sales quick and easy for our

distribution partners.”

-Jennifer DaviesExecutive Vice President,

Life & Annuities Division

Symetra Express

Quote, apply and bind* life insurance over the phone, paper-free, in ten minutes!

We’ve found that the ease of getting a quote is fantastic, and it makes you

want to do more business. It’s just the easiest thing out there.

- Tim McHugh Park City Insurance

Bridgeport, Connecticut

*For qualified applicants

Symetra Express

THE EASIEST SALE EVER

Life Insurance: Quote, apply for and bind coverage* online (no need to get a signature to apply) on a term or universal life policy within 10 minutes.

Annuities: Quote and illustrate online.

*Some restrictions may apply

Symetra Express - Quote

Symetra Express - Apply

Symetra Express - Apply

Symetra Express - Apply

Agent signature gathered electronically

Immediate Coverage*

*Restrictions may apply

Certificate of temporary insurance

Easy-App

Life Underwriting Guide

Realistic Preferred Criteria• No “teaser” rates. 72% of applicants

receive preferred rate or better

• HDL/Cholesterol ratio is used, as opposed to total cholesterol

• Avocations not automatically excluded (unless ratable)

• Family history exceptions:» Gender specific cancer» Lung cancer in a life-long non-

smoker

“Easy and unfettered access to Underwriters is not a thing of the past. At Symetra, we encourage direct contact and open dialogue between Agents

and Underwriters. We enjoy building strong relationships with our distribution partners, and

appreciate the loyalty that results.”

- Bill FlemingChief Underwriter

Millions of Americans have no life insurance coverage

• 22 percent have no life insurance protection at all.

• Almost half carry coverage on only some household members.

Source: LIMRA International for Life Insurance Awareness Month, September 2005.

Many Americans recognize they are underinsured

• Fourty-four percent either don’t own life insurance and believe they should, or own life insurance and believe they need more.

• Among those that already own some life insurance, 40 percent believe they don’t have enough.

Source: LIMRA International for Life Insurance Awareness Month, September 2005.

Many expect to purchase within the next 12 months, but most will not

• 45 percent say they are likely to buy life insurance in the next year.

• In any given year about 1 in 10 households buy life insurance.

Source: LIMRA International for Life Insurance Awareness Month, September 2005.

What keeps them from buying?

• They think they can’t afford it.

• They worry about making the wrong decision.

• They procrastinate.

• No one has approached them about buying life insurance.

Source: LIMRA International for Life Insurance Awareness Month, September 2005.

They want your help

• 29 percent would like to discuss life insurance with a financial professional.

• One third would like to review their coverage every year or two.

Source: LIMRA International for Life Insurance Awareness Month, September 2005.

Solution – Hassle-Free Life Insurance

ATM – Awareness through Marketing

Customized direct marketing campaigns

Symetra Financial has designed an easy-to-use, cost-effective method to generate insurance sales. We call it "Awareness through Marketing" (ATM).

ATM is a consistent way to continually prospect inside and out of your current client base. Let us help you grow your business with a customized direct marketing campaign.

We have had calls from the very first mailing and we expect that the

continued progression of mailers will have the desired effect.

- Mike Mulligan Region Manager

AAA Insurance Agency

1US House of Representatives Resolution to recognize September 2004 as Life Insurance Awareness month

Ad Slicks

Where Is Your Life Insurance Coverage?