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Last $24.30 USD
Change Today -0.32 / -1.30%
Volume 197.6K
SYA On Other Exchanges
New York
As of 8:04 PM 04/17/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

777 108th Avenue NE

Suite 1200

Bellevue, WA 98004

United States

Phone: 425-256-8000


-rate account and one or more indexed accounts. Indexed accounts allow the contract holder to elect an interest rate linked to the performance of the Standard & Poor’s 500 Index (S&P 500) or a commodities-based index. Contract holders may also select their crediting method, which can be based on the annual net change in the index or a monthly average. The indexed interest rate is guaranteed never to be less than zero and cannot exceed the cap rate set at the beginning of each interest term. Indexed interest is credited annually, at the end of each term. The company’s major traditional fixed-rate product is its Custom annuity, which offers a seven-year surrender charge period and a choice of three-, five-, or seven-year initial guaranteed interest rate periods. After the initial guaranteed interest rate period, the crediting rate for any given deposit is subject to change annually at its discretion, subject to the minimum guaranteed rate specified in the contract. Both the company’s traditional and FIA contracts permit the contract owners to make withdrawals during the accumulation period. Contract owners may withdraw all or part of the premium paid, plus interest credited to their accounts, subject to contract provisions, such as surrender charges, that vary depending upon the terms of the product. Most of the company’s FIA products also have a market value adjustment (MVA) feature. The MVA feature provides for an adjustment to amounts withdrawn or surrendered from the annuity contract. For its FIA business, the company hedges its exposure to changes in the reference indexes for the interest term by transacting in options that are correlated to the indexed account allocations selected by its contract holders. Variable Annuities: The company offers variable deferred annuities that allow the contract holder to allocate their premium to separate account subaccounts that each invest in shares of a designated mutual fund. Distribution: The company distributes its deferred annuities primarily through financial institutions, with sales and marketing support provided by its wholesalers. Income Annuities: The company offers retail immediate annuities that guarantee a series of payments that continue either for a certain number of years or for the remainder of an annuitant’s life. The company’s earnings from this segment are driven by the spread on its investment of contractholder deposits versus the interest rate assumptions the company used to set reserves for these contracts, less acquisition and administrative expenses. The company is focused on sales of period-certain single premium immediate annuities (SPIAs) that are shorter-duration and reduce its reinvestment risk relative to longer-term annuities. The company is also focused on adding new distribution partners for this product, which the company sells primarily through the same channel as its deferred fixed annuities. Products Immediate Annuities: Immediate annuities provide for contractually guaranteed payments that typically begin within one year of issue. In exchange for a single premium, immediate annuities provide a fixed amount of income for either a defined number of years, the annuitant’s life time or the longer of the two. Generally, the company’s immediate annuities available do not provide for surrender or policy loans by the contract holder. The company offers a liquidity feature on certain products that allows the contract holder to periodically reduce a portion of the future payments in exchange for a present value lump sum. The company also offers a feature that allows beneficiaries to convert remaining non-life contingent benefits to a lump sum after death of the annuitant. Certain products enable the customer to select a payment start date various years after contract purchase, also known as longevity annuities. The company prices immediate annuities using industry-produced annuity mortality information, its mortality experience and assumptions regarding annuitant longevity, as well as assumptions regarding investment yields at the time of issue and thereafter. Structured Settlements: Structured settlement annuities, wh


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Industry Average

Valuation SYA Industry Range
Price/Earnings 11.1x
Price/Sales 1.3x
Price/Book 0.8x
Price/Cash Flow 11.1x
TEV/Sales 0.6x

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