PERMANENT LIFE

Gold Series Interest Sensitive Single Premium Whole Life Insurance

WHY DO I WANT TO BUY SINGLE PREMIUM WHOLE LIFE INSURANCE?

You've worked hard to provide for your family and save for retirement. You've used savings and investment tools such as Certificates of Deposit (CDs), money markets, annuities, and mutual funds to accomplish these goals. But taxes and probate fees may shrink your estate.

By transferring some of these assets to the Sagicor Gold Series Interest Sensitive Single Premium Whole Life you could:

• - Instantly increase your estate.
• - Transfer money more efficiently to your heirs.
• - Still have control and access to your money for emergencies, opportunities or monthly care expenses through living benefits.

GUARANTEED DEATH BENEFIT

The minimum Death Benefit is guaranteed from day one regardless of changes in your age or health. Also, your Death Benefit can increase over time as your cash value inside the Policy may increase. Death Benefits to a named beneficiary are generally probate free.¹

GUARANTEED INTEREST

A lifetime guaranteed interest rate of 3% eliminates the worry of market volatility plus your Policy has future interest upside potential.

100% GUARANTEED RETURN OF PREMIUM

Your single premium payment is guaranteed from day one. In the unlikely event you surrender your Policy, you are guaranteed to receive at least 100% of your initial premium back, less Indebtedness, less any Withdrawals and less any Accelerated Benefits paid out (Minimum Guaranteed Cash Value). See the Policy for details.

TRIPLE TAX-ADVANTAGES

Sagicor's Gold Series Interest Sensitive Single Premium Whole Life Policy provides tax-deferred interest earnings on the cash value account, the compounding of interest on interest is tax deferred, and the Death Benefit is free from federal taxes in most cases.¹

LIVING BENEFITS

Through Accelerated Benefit Insurance Riders, and after the Policy has been in force for 12 months, you can access the Policy's Death Benefit in two ways:

• Terminal Condition Benefit: A terminal condition can be devastating for you and your family. If you develop a Terminal Condition, as defined by the Policy, you may withdraw the lesser of $250,000 or an amount equal to the Death Benefit Amount less $25,000. Terminal Condition, as used in this Rider, means an imminent death is expected in 12 months or less. See the Policy for details.
• Chronic Illness Benefit: This benefit will also cover a chronic illness. Chronic Illness, as used in this Rider, means that the Insured has been certified by a Licensed Physician within the last 30 days as being unable to perform, without substantial assistance from another individual, at least two Activities of Daily Living for a period that is expected to last at least 90 days due to a loss of functional capacity. The benefit amount will be paid out in 33 equal monthly installments.

This benefit is included at no additional cost. Only one type of Accelerated Benefit will be allowed. Benefit payment cannot be made based on Terminal Condition and a Chronic Illness. See the Policy for details, Rider limitations and exclusions.

¹ The initial Death Benefit will be determined by the applicant's age and gender (not in MT).
² The information in this brochure is based on our understanding of current applicable tax laws and is not intended as legal or tax advice. We suggest you consult your attorney, accountant, or tax advisor.

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.