Symetra’s One Class Upgrade Program


Are your clients ready for an upgrade? Give them the underwriting boost they deserve with Symetra's One Class Upgrade Program!

What is it? Symetra's One Class Upgrade Program is designed to move clients one underwriting rate class up to bring their overall insurance premiums down. Clients ages 65 and younger who receive a Standard Non-Nicotine rate class or better can receive one rate-class upgrade on Symetra Accumulator Ascent Indexed Universal Life (IUL) cases with coverage amounts of $3 million or less.1

How does it work? The program works in tandem with Symetra’s GoodLife Rewards (GLR) underwriting credits, which reward clients for their good health. Clients who qualify for a Standard Non-Nicotine rate class or better—prior to the application of GoodLife Reward credits—can receive a one-class upgrade above their GLR rate class offer—up to Super Preferred Non-Nicotine!2

Program start date January 15, 2023

Do these cases need to be submitted differently? There are no special requirements for clients to benefit from the One Class Upgrade Program. Simply submit cases as you normally would, and our underwriters will do the rest! Underwriting’s final policy acceptance communication will indicate if the offer was improved with the use of GoodLife Rewards and/or the One Class Upgrade Program.y

What products qualify for the program? Symetra Accumulator Ascent IUL

Please give our sales team a call at 1.800.792.6795 if you have any questions or would like to see Symetra Accumulator Ascent IUL illustrations.


1An insured may qualify for consideration under the One Class Upgrade Program up to a maximum of $3M death benefit (cumulatively).

2 The GoodLife Rewards Program can help qualifying clients move up to as many as three mortality classes by receiving credits for good health during the underwriting process (up to Preferred Non-Nicotine). Table rated policies are not eligible for the One Class Upgrade Program.