Exhibit 10.6

AMENDMENT 3

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 Ag