Tribal Group Life Insurance


shield icon  A unique group life insurance offering for tribal members and shareholders

The loss of a tribal member or shareholder is a time for grief, remembrance, and respect. Traditional burial ceremonies are a way to honor the life of a valued friend or loved one, while teaching future generations about the unique customs of your culture.

Symetra group life insurance can help provide financial support to tribal members and shareholders following the death of a loved one. Our tribal group life policy is designed with you in mind and provides distinct features such as:

  • Coverage for all tribal members and shareholders; membership status is determined by the tribe. 
  • Guaranteed issue coverage for all members and shareholders.
  • Naming the tribe as beneficiary.¹
  • No required waiver of Sovereign Nation immunity.
  • Flexible age reduction schedules. Benefits are typically subject to standard age reductions but no age reductions may be quoted with Underwriting review and approval.

Because the needs of each tribe are different, every policy we write is unique to the membership guidelines set by the tribe, rancheria or pueblo.

checkbox icon  Value-Add Programs 

Tribal Member Assistance Program (TMAP) 
For an additional cost, TMAP provides unlimited access to general guidance consultants and online resources to help with challenges such as locating child or elder care, dealing with substance abuse, managing family relationships or job pressures. Includes up to three telephonic counseling sessions each calendar year.

Learn more about TMAP.


Beneficiary Companion Program
This program offers a helping hand after the loss of a loved one, including assistance with managing notifications and protecting the deceased’s identity from fraudulent use.

Learn more about the Beneficiary Companion Program.


Travel Assistance Program
Travel assistance is available 24 hours a day if a member or shareholder has an emergency while traveling 100 miles or more from home. The program also includes returning remains to the tribal nation or place of residence if a member or shareholder dies while traveling.

Learn more about the Travel Assistance Program.


Identity Theft Protection Program
Educates tribal members and shareholders on how to protect themselves from ID theft and provides support in the event their identity is stolen.

Learn more about the Identity Theft Protection Program.



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Sales and Support

To learn more, contact your benefits broker or consultant, or call Symetra at 1-800-426-7784.

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Tribal life frequently asked questions


Who is eligible for life insurance?

All tribal members and shareholders are eligible for coverage. Eligibility for non-member and non-shareholder dependents is at the discretion of the tribe. The membership status defined by each federally recognized tribe, rancheria or pueblo will be reflected in the policy.

Who can be named as beneficiary?²

  • The tribal entity.¹
  • Any beneficiary named by the insured member or shareholder.
  • The tribal entity and a beneficiary named by the insured member (split primary).¹

Is supplemental coverage available?

Tribal coverage typically includes basic group life insurance with no supplemental life, dependent life or accidental death and dismemberment (AD&D) coverage. However, alternate schedules may be offered on an exception basis at the discretion of underwriting.


Additional solutions for employees of tribal-owned businesses

Symetra offers a suite of group life, disability and fixed-payment insurance benefits that can help round out your employee benefits package. You may choose to provide coverage as part of a compensation package, offer it on a voluntary basis or both. Our flexible policy designs and consultative approach help ensure you get exactly the benefits you need at a price that fits your budget.

Learn more about Symetra's suite of group benefits.


Group life policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in any U.S. territory. Base policy form number is LGC-10039 12/12.

Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, call your Symetra representative.

TMAP is offered by ComPsych® through Symetra. ComPsych is not affiliated with any of the subsidiaries under Symetra Financial Corporation. ComPsych© 2021 ComPsych Corporation.

Travel Assistance, Identity Theft Protection and Beneficiary Companion programs are offered by Generali Global Assistance through Symetra. Generali Global Assistance is not affiliated with any of the subsidiaries under Symetra Financial Corporation.

1 Not available in Alaska, Louisiana, Montana and North Dakota.
2 If 100% of the premium is paid by the policyholder, the policyholder may designate itself the sole beneficiary of member coverage.