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Life Insurance

Get Life Insurance Coverage Quickly with SwiftTerm 

Are you looking for a quick way to apply for life insurance coverage with minimal hassle? Look no further than the SwiftTerm life insurance product from Symetra Life Insurance Company.  This innovative term product allows you to go through the entire application process online, from start to finish, in as little as 18 minutes.

Why Choose SwiftTerm?

  • Automated Process: Say goodbye to complicated paperwork and lengthy underwriting procedures. With SwiftTerm, everything is automated, making the application process seamless and efficient.
  • Possible Instant Coverage: Depending on your answers during the application process, you may be eligible for instant coverage. No need to wait for weeks or months to get protected; SwiftTerm provides an answer almost right away.
  • Convenience: Apply, pay, and receive your term policy entirely online. No need for in-person meetings or lengthy phone calls. SwiftTerm puts you in control, allowing you to get coverage at your convenience. 

With a term policy from SwiftTerm, you can have Comfort knowing that your loved ones will be taken care of if something happens to you. Get the protection they deserve at an affordable price today. 

How It Works

  1. Apply Online: Fill out our simple online application with one of our agents, providing the necessary information to determine your eligibility for possible instant coverage.
  2. Underwriting Paths: Based on your application, you may be directed towards one of three underwriting paths - instant coverage, accelerated underwriting, or full underwriting.
  3. Coverage Approval: If you qualify for instant coverage, you can receive your policy approval in as little as 18 minutes. For other underwriting paths, we strive to provide a quick turnaround time, ensuring that you receive coverage as soon as possible.
  4. Comfort: With Symetra SwiftTerm, you can have comfort knowing that your loved ones are financially protected should anything happen to you. 


Q1: What is SwiftTerm? A1: SwiftTerm is an easy-to-apply term life insurance policy by Symetra Life Insurance Company. You can apply for it online, and you could have coverage within minutes.

Q2: How does the application process work? A2: The entire process is online—from application to offer, payment, and policy delivery. Your insurance professional will start the application process and enter your basic information and coverage amount. Then, you'll receive a link to finish the rest of the application.

Q3: What information do I need for the application? A3: You'll need to provide details about your financial, lifestyle, and medical history. It helps to have your beneficiary names, addresses, and Social Security numbers, your driver's license number, the name, address, and phone number of your doctor or medical provider, and a list of any medications you may be taking.

Q4: How quickly can I get coverage? A4: With SwiftTerm, there are three potential underwriting paths. If you qualify for instant coverage, you could get coverage in as little as 18 minutes. Accelerated underwriting typically takes one to three days, and full underwriting could have you covered within 30 days.

Q5: What happens after I submit my application? A5: As you complete the application, Symetra’s underwriting system works simultaneously to deliver a real-time decision on your path to coverage. You will then receive a secure link via email to complete your purchase if you qualify for instant coverage.

Q6: What if I need a medical exam for full underwriting? A6: Certain conditions may require a medical exam. We make scheduling it easy—you can do it online. If you qualify, you’ll be able to complete the process where you left off.

Q7: How do I get my policy after approval? A7: After approval, you need to complete three easy steps to coverage: e-signature acceptance, e-payment, and e-delivery.

Q8: What if I don't complete the application immediately? A8: Don't worry, both you and your insurance professional will receive periodic reminders until the application is completed or the offer expires.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

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