Annuity Spotlight: Client 401(k)s may be at an all-time high. Now what?

When you buy a new car, the value drops by about 12.5% in the first year of ownership, and after five years, the average vehicle will be worth just 66% of its purchase price. ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏

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Value that doesn't drive off the lot!

When you buy a new car, the value drops by about 12.5% in the first year of ownership, and after five years, the average vehicle will be worth just 66% of its purchase price¹.

Many annuity carriers work the same way, promising attractive initial rates that may then depreciate at renewal or even after the first year.

This creates the following challenges:

Clients may feel deceived by “bait and switch” tactics
Financial professionals may lose credibility when renewal notices arrive
Difficult conversations to explain why returns suddenly plummeted

At Symetra, 95.9% of renewal rates maintain the same as the initial rate or higher than the initial!²

Picture this: Value that lasts

Imagine your client purchases a Symetra Edge Elite Fixed Indexed Annuity (FIA) contract today with a 12.00% cap for a 7-year Withdrawal Charge Period.

Based on Symetra's renewal rate history during the withdrawal charge period:

90.4% chance their cap stays at 12.00%% next year²
5.5% chance their cap may be higher next year²
ZERO renewals less than 90% of the initial cap²
Seven years of consistent growth potential, while competitors may be cutting rates and/or caps

Symetra Renewal Rate History

For additional information or illustrations please contact Beau.Blouin@3mark.com (281) 269-2371.

¹ Teague, Chris, "Car Depreciation: How Much Value Does a Car Lose Per Year", https://www.carfax.com/buying/car-depreciation/, last accessed April 23, 2026.

² During the withdrawal charge period only. As shown on the Symetra Edge Series Fixed Indexed Annuities Renewal Rate History, as of July 31, 2026. The renewal rate history is for informational purposes only and is not an indication of future renewals.

When you buy a new car, the value drops by about 12.5% in the first year of ownership, and after five years, the average vehicle will be worth just 66% of its purchase price1.

At Symetra, 95.9% of renewal rates maintain the same as the initial rate or higher than the initial!2

Picture this: Value that lasts

Imagine your client purchases a Symetra Edge Elite Fixed Indexed Annuity (FIA) contract today with a 12.00% cap for a 7-year Withdrawal Charge Period.

For additional information or illustrations please contact Beau.Blouin@3mark.com (281) 269-2371.

When you buy a new car, the value drops by about 12.5% in the first year of ownership, and after five years, the average vehicle will be worth just 66% of its purchase price¹.

At Symetra, 95.9% of renewal rates maintain the same as the initial rate or higher than the initial!²