Term Life InsuranceTerm Life Insurance
SymetraSymetra
Get covered in the time it takes to drink a coffee — 100% digital, zero phone calls.
Symetra
Get covered in the time it takes to drink a coffee — 100% digital, zero phone calls.
About Symetra
Symetra Financial, a subsidiary of Japan's Sumitomo Life since 2016, has served American policyholders since its founding in 1957 in Bellevue, Washington. SwiftTerm is Symetra's flagship digital term product and has become the market leader for application speed — with qualifying applicants receiving full coverage in as little as 18 minutes, entirely online with no phone calls required.
SwiftTerm
Get covered in the time it takes to drink a coffee — 100% digital, zero phone calls.
Product Details
Key Features
Fastest Approval in the Industry
Three underwriting paths, fully digital. Qualified applicants bypass human underwriting entirely and receive 'Instant Coverage' in as little as 18 minutes — no doctor visits, no phone calls, and no blood draw required.
Empathy Bereavement Support
A rare and meaningful benefit: after a claim, Symetra provides professional grief counseling, estate administration guidance, and account closure support for the surviving family through the Empathy platform — at no additional cost.
Accelerated Underwriting Fallback
If immediate approval isn't available, most healthy applicants enter a 24–72 hour accelerated review — still no blood draw required. The optional Conversion Enhancement Rider at issue expands permanent product choices and extends the conversion period.
Best For
Busy professionals who value privacy and speed, and want to complete the entire process on their phone in under 20 minutes.