Tribal group life insurance

Protecting traditions for future generations

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 younger generations about the unique customs of their culture.

Symetra tribal group life insurance can help provide financial support to tribal members and shareholders following the death of a loved one.

Symetra Support® programs

The programs included with Symetra’s tribal member life insurance provide access to services that can help members and shareholders when they need it most.

Beneficiary assistance

Compassionate beneficiary assistance consultants provide guidance and referrals to help members manage a loved one’s final affairs.

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Travel assistance

Provides pre-trip planning information and emergency assistance while traveling 100 miles or more from home.

The program also includes repatriation of remains if death occurs while traveling, including all necessary government authorizations, a container appropriate for transportation, and return home of the remains for burial.

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Identity theft assistance

Provides guidance and support if an identity is stolen—including help with card replacement, translation services, and notification of the incident to the three major credit bureaus.

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Empathy Loss SupportTM

Combines dedicated care specialists with an award-winning digital platform to help beneficiaries navigate the practical and emotional challenges that follow the loss of a loved one.1

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Tribal member assistance program (TMAP)

TMAP is available for an additional cost and provides up to five specialized support sessions per household per year2 for mental health counseling, legal support or financial information, in addition to self-guided digital resources and support and referrals from experienced intake specialists.

Included with TMAP, well-being coaching provides one-on-one holistic support via telephone or video sessions for a wide range of issues that may affect an individual’s well-being and ability to reach personal goals and milestones of success.

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EstateGuidance®

A simple, secure and affordable online tool that allows members to select and prepare the documents they need for estate planning and final arrangements.

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Compelling features to empower your customers

  • Every policy we write is unique to the membership guidelines set by the tribe, rancheria or pueblo.
  • 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.3
  • No required waiver of Sovereign Nation immunity.
  • Flexible age-reduction schedules.4

Tools to support your client discussions

Tribal group life overview guide (PDF)

In addition to the tribal life coverage discussed above, Symetra offers a suite of group life, disability and fixed-payment insurance benefits that that may be available to enterprise employees of the tribes. They can 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 your clients get exactly the benefits they need at a price that fits their budget.

Online administration


Administration is easy with our benefits portal.

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Want to learn more? Contact your Symetra representative today.

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.

Symetra Support® is a registered service mark of Symetra Life Insurance Company. Travel assistance, identity theft assistance and beneficiary assistance are provided by On Call International. Loss Support™ is provided by Empathy. TMAP, well-being coaching and EstateGuidance® are provided by ComPsych. Symetra Support® programs may not be available in all states. On Call, Empathy and ComPsych are not affiliated with Symetra Life Insurance Company or any of its affiliates. EstateGuidance® is a registered trademark of ComPsych Corporation.

1 Empathy Loss SupportTM is not yet available to Symetra groups in New Hampshire, New York or Washington.

2 In California, counseling sessions are limited to three sessions per person in a six-month period.

3 Not available in Alaska, Florida, Louisiana, Montana and North Dakota.

4 Benefits are typically subject to standard age reductions, but no age reductions may be quoted with underwriting review and approval.

WEB-1370/TGL 10/26