POS EX

As filed with the Securities and Exchange Commission on May 1, 2024

Registration No. 333-276608

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

POST-EFFECTIVE AMD. NO. 1 TO

FORM S-1

REGISTRATION STATEMENT

UNDER THE SECURITIES ACT OF 1933

Symetra Life Insurance Company

(Exact name of registrant as specified in its charter)

Iowa (State or other jurisdiction of incorporation or organization)	6311 (Primary Standard Industrial Classification Code Number)	91-0742147 (I.R.S. Employer Identification No.)
777 108th Ave NE, Suite 1200 Bellevue, WA 98004 (425) 256-8000 (Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)
Margaret A. Meister President Symetra Life Insurance Company 777 108th Ave NE, Suite 1200 Bellevue, WA 98004 (425) 256-8000 (Name and address, including zip code, and telephone number, including area code, of agent for service)
Copies to: Jacqueline M. Veneziani Senior Vice President, General Counsel and Secretary Symetra Life Insurance Company 777 108th Ave NE, Suite 1200 Bellevue, WA 98004 (425) 256-8000
Approximate date of commencement of proposed sale to the public: As soon as practicable after this registration statement becomes effective. If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933 check the following box: X If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. X Registration No. 333-276608 Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer	Accelerated filer	Non-accelerated filer X (Do not check if a smaller reporting company)	Smaller reporting company	Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.

Explanatory Note

This Post-Effective Amendment No. 1 (this “Amendment”) to the Registration Statement on Form S-1 (File No. 333-276608) (the “Registration Statement”) of Symetra Life Insurance Company is being filed pursuant to Rule 462(d) of the Securities Act of 1933, as amended (the “Securities Act”), solely to include an updated opinion of counsel as to the legality of the Symetra Trek Plus Index-Linked Annuity Contracts offered in the Registration Statement (“Exhibit 5”) in Item 16 of Part II of the Registration Statement. This Amendment does not modify any provision of Part I or Part II of the Registration Statement other than replacing Exhibit 5 in Item 16 of Part II as set forth below. Pursuant to Rule 462(d) of the Securities Act, this Amendment shall become effective immediately upon filing with the Securities and Exchange Commission. The contents of the Registration Statement are hereby incorporated by reference.

PART II: INFORMATION NOT REQUIRED IN PROSPECTUS

EXHIBITS

The following exhibit is filed as part of this Registration Statement:

Exhibit	Description	Reference
5.	Legality Opinion	Filed Herewith

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Bellevue and State of Washington, on April 25, 2024.

SYMETRA LIFE INSURANCE COMPANY
By:	Margaret Meister
	Name: Margaret A. Meister
	Title:   President

Pursuant to the requirement of the Securities Act of 1933, this Registration Statement has been signed below by the following person in the capacities and on the date indicated below.

NAME	TITLE	DATE
Tommie D. Brooks Tommie D. Brooks	Director, Chief Financial Officer, Executive Vice President (Principal Accounting Officer & Principal Financial Officer)	April 26, 2024
Mark E. Hunt Mark E. Hunt	Director	April 25, 2024
Koichi Kiyota Koichi Kiyota	Director	April 25, 2024
Margaret A. Meister Margaret A. Meister	Director and President (Principal Executive Officer)	April 25, 2024
Harry S. Monti, Jr. Harry S. Monti, Jr.	Director and Executive Vice President	April 25, 2024
Wesley W. Severin Wesley W. Severin	Director and Executive Vice President	April 25, 2024
Shin Umehara Shin Umehara	Director	April 25, 2024
Jacqueline M. Veneziani Jacqueline M. Veneziani	Director, General Counsel, Senior Vice President and Secretary	April 25, 2024
Mindi E. Work Mindi E. Work	Director and Executive Vice President	April 30, 2024

EX-5

April 25, 2024

Board of Directors

Symetra Life Insurance Company

777 108th Ave NE, Suite 1200

Bellevue, WA 98004

Re:     Opinion of Counsel

    Registration Statement on Form S-1

    Symetra Trek® Plus Indexed-Linked Annuity Contracts (333-276608)

Directors:

I have acted as counsel to Symetra Life Insurance Company (the “Company”) in connection with the filing with the Securities and Exchange Commission, under the Securities Act of 1933, of the Registration Statement on Form S-1 for the above-referenced individual single premium deferred index-linked annuity contracts (the "Contracts") to be issued by the Company. I have made such examination of the law and have examined such records and documents as in my judgment are necessary or appropriate to enable me to render the following opinion:

1.The Company is a validly existing stock life insurance company of the state of Iowa.

2.All of the prescribed corporate procedures for the issuance of the Contracts have been followed, and, when such Contracts are issued, all state requirements relating to such Contracts will have been complied with.

3.Upon the acceptance of the purchase payment made by a prospective Contract owner pursuant to the terms described in the Registration Statement and upon compliance with applicable law, such Contract will be legally-issued, fully paid, non-assessable and will be a binding obligation of the Company.

I hereby consent to the use of this letter, or a copy thereof, as an exhibit to the Registration Statement for the Contract.

Very truly yours,

/s/ Darlene K. Chandler

Darlene K. Chandler

Senior Vice President and Associate General Counsel