ANNUITIES

Platinum Series Sage Advantage Fixed Indexed Single Premium Deferred Annuity

WHY PURCHASE SAGICOR'S PLATINUM SERIES SAGE ADVANTAGE FIXED INDEXED SINGLE PREMIUM DEFERRED ANNUITY?

Diverse allocation with a distinctive and globally diverse choice of index strategies
Access to Funds¹: After the first year, the Owner may withdraw up to 10% of the Account Value without a Surrender Charge
Safety of Premium: Your Premium cannot be reduced by a downturn in the market
Guaranteed: A downturn in the market index cannot decrease your Account Values
Interest Crediting Options:

- Declared Rate Strategy
- S&P 500^® Index Strategy
- Global Advantage Strategy

No Front End Charges: 100% of your Single Premium, plus 5% Bonus Interest on the Single Premium, is working for you. Surrender Charges may apply.

Contract Year	1	2	3	4	5	6	7	8	9	10+
Surrender Charge	8%	8%	8%	8%	7%	6%	5%	3%	1%	0%

Withdrawals of all or part of the value in your annuity before the end of the Surrender Charge period may result in Withdrawal or Surrender Charges and/or a reduction in the interest rate credited to the annuity including loss of indexed interest. Earnings are taxable as ordinary income when withdrawn and if taken before age 59½ may be subject to a 10% federal tax penalty. The guarantees of the annuity are based on the financial strength and claims paying ability of the underlying insurance company.

SAFETY WITH DIVERSITY OF CHOICE

Sagicor Life Insurance Company offers a new generation of index linked products. Instead of using a single index as the basis for its indexed interest, the Platinum Series Sage Advantage Fixed Indexed Single Premium Deferred Annuity offers three (3) distinct crediting strategies for wealth management and diversification:

DECLARED RATE STRATEGY

(1-Year Fixed Rate)
This strategy offers a fixed interest rate declared by Sagicor that is guaranteed for one year. Interest will be credited daily from the time an allocation is made to this strategy. At each anniversary, Sagicor may change the rate for the following year. Transfers are permitted at the end of the 1-year Term Period.

S&P 500^® INDEX STRATEGY

(S&P 500^® Index 1-Year Term with Cap)
This is a 1-year point-to-point indexed strategy linked to the S&P 500^® Index. Interest is credited at the end of the year, and is based solely upon any positive change in the index value, which is subject to a floor of 0% and a maximum equal to the Cap. The Cap is declared in advance and is guaranteed for one year and may change annually. The Indexed Interest Rate is subject to a Participation Rate and Cap. There is a Minimum Cap of 4% and the minimum credited rate is 0%. Transfers are permitted at the end of the 1-year Term Period.

GLOBAL ADVANTAGE STRATEGY

(Global Advantage Indexed 1-Year Term with Participation Rate)
This is a 1-year point-to-point indexed strategy that utilizes a "basket" of indices; the Russell^® 2000 Index, the EURO STOXX 50^® Index, and the Hang Seng Index are used in the "basket." Interest is credited at the end of the year. The Indexed Interest Rate is calculated using 60% of the return of the best-performing index, plus 40% of the return of the second best-performing index, and is subject to a Participation Rate and Cap. The worst-performing index is not used when determining the Indexed Interest Rate. This strategy provides an opportunity to benefit from globally diversified indices that do not necessarily move in the same direction at the same time. The Minimum Participation Rate is 20%, the Minimum Cap is 2%, and the minimum credited rate is 0%. Transfers are permitted at the end of the 1-year Term Period.

FEATURES AND BENEFITS

ALLOCATION TRANSFERS

Allocation Transfers among the index options are permitted at the end of the 1-year Term Period for the Declared Rate Strategy, the S&P 500^® Index Strategy and the Global Advantage Strategy.

FREE PARTIAL WITHDRAWAL BENEFIT

Beginning the second year and each year thereafter, the Owner may withdraw up to 10% of the Account Value without a Surrender Charge. If the Owner withdraws a Required Minimum Distribution (applicable to qualified Contracts) and the distribution exceeds the remaining penalty free withdrawal amount, the applicable Surrender Charge will apply to the excess amount.

Any portion of the Free Partial Withdrawal Percentage not used in any given year will be carried over to the next year. Carried-over amounts will continue to accumulate until the Free Partial Withdrawal Percentage reaches a maximum of 50%, at which point it will remain until a Withdrawal is taken.

GUARANTEED MINIMUM WITHDRAWAL BENEFIT

The Contract provides a Guaranteed Withdrawal benefit provision beginning in the thirteenth Contract Year. This means the Owner may withdraw each year up to 10% of the Single Premium, less the sum of Withdrawals that have occurred within the first twelve Contract Years, starting in the 13th year for up to 20 years, (providing the owner has not withdrawn, in years 1 through 12, cumulatively, amounts equal to or in excess of the Single Premium) regardless of actual interest credited to the Contract. The Guaranteed Withdrawal benefit is also cumulative. (See Contract for details.)

PENALTY-FREE WITHDRAWAL

After the first Contract Year, the Owner may withdraw without a Surrender Charge, an amount equal to the Maximum Free Percentage of the last Contract Anniversary Account Value. If the sum of the Withdrawal and all other Withdrawals since the last Contract Anniversary exceed the amount of the Penalty Free Withdrawal available for that Contract Year, then the portion of the Withdrawal in excess of the Penalty Free Withdrawal amount will be subject to a Surrender Charge. Required Minimum Distributions are considered Withdrawals, and the above rule applies.

If in any Contract Year the sum of the Withdrawals is less than the Maximum Free Percentage for that year, the remaining Maximum Free Percentage for that year will be added to the Maximum Free Percentage for the following Contract Year. The cumulative Maximum Free Percentage in any Contract Year will never exceed 50%, except in the case of a qualified Nursing Home Facility or Confined Care Facility Confinement.

NURSING HOME FACILITY OR CONFINED CARE FACILITY CONFINEMENT

Should you ever require a Nursing Home Facility or a Confined Care Facility and meet the qualifications stipulated in the Contract, you can withdraw 100% of the Contract value penalty free. This provides you with peace of mind in knowing that you have full access to your money at a time when you may need it most.

DISCLOSURE

Insurance products are issued by Sagicor Life Insurance Company, a member of the Sagicor Group. Sagicor Life Insurance Company is licensed in 44 states and the District of Columbia and is rated A- (Excellent) by AM Best. Product availability and features may vary by state. Some riders may have additional fees and expenses associated with them. The product descriptions provided on this website are not intended to constitute an offer to sell or a solicitation to buy any product. Consumers interested in Sagicor Life products should contact their local registered Sagicor Life Producer.