Presented by Symetra Life Insurance Company Redmond, Washington Symetra sm and the Symetra Financial logo are service marks of Symetra Life Insurance Company. Life insurance is issued by Symetra Life Insurance Company th Ave NE, Suite 1200, Bellevue, WA Approved for agent and advisor use only EOXP377/06 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. Its 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, weve harnessed the power of the Internet to make life insurance and annuity sales quick and easy for our distribution partners. -Jennifer Davies Executive Vice President, Life & Annuities Division

Symetra Express Quote, apply and bind* life insurance over the phone, paper-free, in ten minutes! Weve found that the ease of getting a quote is fantastic, and it makes you want to do more business. Its 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

Agent signature gathered electronically

Immediate Coverage* *Restrictions may apply Certificate of temporary insurance

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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 Fleming Chief 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 dont 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 dont 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 cant 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 1 US House of Representatives Resolution to recognize September 2004 as Life Insurance Awareness month

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