ANNUITIES

Platinum Series Fixed Indexed Annuity

SAFETY WITH DIVERSITY OF CHOICE

Saving wisely for the future requires diversity. Traditional savings plans may guarantee principle and a fixed rate of return, while investments such as mutual funds offer greater potential returns but also carry more risk. A fixed indexed annuity may be a solution for part of your safe money because your initial deposit is guaranteed when held to term, indexed linked earnings are "locked in", there's growth potential and tax deferral advantages.

WHY PURCHASE SAGICOR'S PLATINUM SERIES FIXED INDEXED ANNUITY¹?

Diverse allocation with a distinctive and globally. diverse choice of index strategies.
Access to Funds²: After the first year, the Owner may withdraw up to 10% of the Account Value without 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.
Multiple Choices:
- Declared Rate Strategy
- S&P 500® Index Strategy
- Global Advantage Strategy
No Front End Charges or Loads: 100% of Your premium is working for You. Reasonable Surrender Charges may apply.
Surrender charge by contract year are as follows: Year 1 = 9%, Year 2 = 8%, Year 3 = 7%, Year 4 = 6%, Year 5 = 5%, Year 6 = 4%, Year 7 = 3%, Year 8 = 2%, Year 9 = 1%, Year 10 = 0%.

Interest Crediting Strategies

Sagicor Life Insurance Company is introducing a new generation of index linked products. Instead of using a single index as the basis for its indexed interest, the Platinum Series Fixed Indexed Annuity uses multiple choices.

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 Surrender Charge. If the Owner withdraws a Required Minimum Distribution (applicable to qualified contracts) and the distribution exceeds the remaining penalty-free amount, the applicable Surrender Charge will apply on the excess amount.

Any portion of the Free Partial Withdrawal not used in any given year will be carried over to the next year. Carry over amounts will continue to accumulate until the Free Partial Withdrawal reaches a maximum of 50% where it will remain there until a withdrawal is taken. In any year the Partial Withdrawal reaches 50%, the maximum of additional accumulation in the next year will be the lesser of the percentage of withdrawal taken and 10%.

Guaranteed Minimum Withdrawal Benefit

The Contract provides a guaranteed withdrawal benefit provision beginning in the eleventh year. This means the Owner may withdraw 10% of the initial deposit from the beginning-of-the-year account value starting in the 11th year for up to 20 years, (providing no withdrawals have been taken) regardless of actual interest credited to the Contract. The withdrawal benefit is also cumulative. See Contract for details.

¹ Product specifications contained in this guidance are not intended to be all-inclusive of product information. Only available in CA, DE and MT.

² Withdrawals of all or part of the value in your annuity before the end of the term of the contract 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 59 1/2 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.

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 products should contact their local registered Sagicor Producer.