AMENDMENT 3 TO THE GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT

Exhibit 10.6

AMENDMENT 3

TO THE
GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT

This Amendment No. 3 (“Amendment”) is hereby made a part of and incorporated into the Group Short Term Disability Reinsurance Agreement originally effective January 1, 1999 between Symetra Life Insurance Company (“Insurer”) of Bellevue, Washington and Reliance Standard Life Insurance Company doing business as Custom Disability Solutions, as Managing Agent (“Managing Agent”) for each of the participating reinsurers collectively referred to in the Reinsurance Agreement as the American Disability Reinsurance Underwriters Syndicate (ADRUS) (“Reinsurance Agreement”) as of the date written below. Capitalized terms not otherwise defined herein shall have the meaning ascribed to them in the Reinsurance Agreement.

Intending to be legally bound, Insurer and Managing Agent agree to amend the Reinsurance Agreement as follows:

1.		The Managing Agent and the Insurer hereby agree that the Profit Sharing Agreement originally effective in 1999, that is attached to and part of the Reinsurance Agreement, shall be terminated effective December 31, 2010, and there shall be no profit sharing calculation or payout for any calendar years after 2009.
2.		Effective January 1, 2011, the Managing Agent and the Insurer hereby agree as follows:

	a.		The Insurer and the Managing Agent hereby agree that the effective date of termination of the Reinsurance Agreement shall be 12:01 am on June 1, 2011, in accordance with Article V, and that during 2011, the Reinsurer shall accept reinsurance under this Agreement for all cases underwritten by the Managing Agent prior to March 1, 2011;
	b.		The Managing Agent shall be the sole and exclusive party providing Insurer with STD quotes during January and February of 2011; and
	c.		The Managing Agent shall cease underwriting STD policies on behalf of the Insurer on February 28, 2011.

All provisions of the Reinsurance Agreement not in conflict with the provisions of this Amendment will continue unchanged.

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed in duplicate by the signatures of their duly authorized representatives as indicated below as of the 19^th day of January, 2011.

CUSTOM DISABILITY SOLUTIONS						SYMETRA LIFE INSURANCE COMPANY
By:		/s/ Xxxx X. Xxxxxx				By:		/s/ Xxxxxxx Xxx
Name:		Xxxx X. Xxxxxx				Name:		Xxxxxxx Xxx
Title:		CFO				Title:		EVP
Date:		1/19/2011				Date:		1-14-2011

APPENDIX A — 12

AGREEMENT YEAR 2011

January 1, 2011 to December 31, 2011

Member Reinsurer who has contracted with Custom Disability Solutions as Managing Agent of ADRUS and their levels of participation are as follows:

		Dollar				Percentage
Reinsurer		Participation				Participation
Reliance Standard Life Insurance Company		$	30,000				100	%
TOTAL AUTHORIZED PARTICIPATION		$	30,000				100	%