portions marked [ * * * ] have been omitted pursuant to a confidential treatment request by symetra financial corporation, this information has been filed separately with the securities and exchange commission. exhibit 10. 19 amendment to sales agreement effective as of november 16, 2011 symetra life insurance company fully underwritten commission schedule endorsement financial institution enhanced commission basic first - year commissions cash value policies ¨ universal life policies symetra universal life ( sul ) [ * * * ] of all premium up to first “ annual target ” ¨ symetra successor single premium life with return of premium ( rop ) ages 55 years – 80 years [ * * * ] of single premium ages 81 – 85 years [ * * * ] of single premium ¨ symetra term life insurance all face amounts 10 - year and 15 - year level term [ * * * ] of annual premium less policy fee 20 - year and 30 - year level term [ * * * ] of annual premium less policy fee policy term riders same first - year rate as base policy supplemental benefits accidental death, guaranteed insurability option, and waiver of premium same first - year rate as base policy insured children ’ s benefit same first - year rate as base policy cash value policies ¨ universal life policies symetra universal life ( sul ) ¨ symetra successor single premium life with return of premium ( rop ) ages 55 years – 80 years ages 81 – 85 years ¨ symetra term life insurance all face amounts 10 - year and 15 - year level term 20 - year and 30 - year level term policy term riders supplemental benefits accidental death, guaranteed insurability option, and waiver of premium insured children ’ s benefit basic renewal commissions cash value policies universal life policies symetra universal life excess premium over first “ annual target ” through 6th policy year [ * * * ] symetra accelerated universal life excess premium over first “ annual target ” through 6th policy year [ * * * ] policy term riders 2nd through 6th policy years same renewal rate as base policy cash value policies universal life policies symetra universal life excess premium over first “ annual target ” through 6th policy year th symetra accelerated universal life excess premium over first “ annual target ” through 6th policy year th policy term riders 2nd through 6th policy years service fees service fees are payable in the 7th and subsequent policy years as noted below : flexible premium universal life [ * * * ] plus 2 % of the cost of insurance all other plans except expert