Additional Life Coverage For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807. Symetra Life Insurance Coverage Amount Employee Max Life and AD&D Amount $10,000 increments to a maximum of $500,000 Spouse Max Life and AD&D Amount $10,000 increments to a maximum of $300,000 Child Max Life and AD&D Amount $5,000 increments to a maximum of $20,000 Employee Guarantee Issue Amount Lesser of 2x annual salary or $200,000 Spouse Guarantee Issue Amount $50,000 Child Guarantee Issue Amount $20,000 Age Reduction To 65% at age 70 To 50% at age 75 Guarantee Issue and Evidence of Insurability (EOI) A guaranteed issue amount on life insurance is the amount of coverage you can elect without having t to submit an Evidence of Insurability (EOI), a medical questionnaire used to determine if you qualify for coverage. If you want to elect a coverage amount that exceeds the guaranteed issue, you can but you will be required to fill out this EOI and go through a coverage approval process. How much Life Insurance do I need?