PERMANENT LIFEGold Series Whole Life InsuranceProtect what's most important:
A Sagicor Whole Life Policy offers:
A LIFETIME OF SECURITYSagicor's Gold Series Whole Life Insurance Policy is specifically designed to provide lifetime life insurance coverage along with cash accumulation. By purchasing a Whole Life Policy you are guaranteed the Face Amount of the Policy, providing immediate security to you and your loved ones. And with each premium payment made, a portion goes towards building cash value. Since the interest is earned on a tax-deferred basis, the cash value of your Policy may accumulate rapidly. And, should you ever have a financial emergency or opportunity, you can access the loan value1 of your Policy through a Policy loan. Best of all, your premium payments always remain the same, even as you grow older, providing for affordable lifetime coverage. ACCELERATED BENEFIT INSURANCE RIDERIncluded with the Policy, at no additional cost to you, the Accelerated Benefit Insurance Rider advances a portion of the Death Benefit in the event of a terminal condition. The benefit can then be used to help cover medical costs, nursing home care, or whatever you deem necessary. Optional Riders2One or more optional benefit riders may be added to your Policy, for an additional cost, to customize your Policy and meet your unique lifestyle and family needs. Refer to the specific riders for benefit details, exclusions and limitations. ACCIDENTAL DEATH BENEFIT RIDERProvides an additional Death Benefit if the death is a result of a covered accident. The additional Death Benefit cannot exceed the lesser of the Face Amount of the Policy or $250,000. ACCIDENTAL DISABILITY INCOME BENEFIT RIDERProvides you, the Policy Owner, with a monthly income should the Insured become totally disabled due to a covered accident, as defined in the rider. Benefits start after a 90-day waiting period. CHILDREN'S TERM RIDERProvides term life insurance protection for children, age 15 days to 19 years, and remains in force for each covered child until the earlier of age 25 or marriage. At the end of the term period, the rider may be converted to a permanent life Policy issued by Sagicor for up to five times the original Face Amount regardless of current health status. GUARANTEED INSURABILITY OPTION RIDERAllows the Policy Owner to buy a new Whole Life Insurance Policy on the Insured without evidence of insurability on specific dates and on the occurrence of certain events in an Insured’s lifetime. This rider is a great option to have as protection against unforeseen future circumstances, such as a change in health status or increased responsibility for dependents. WAIVER OF PREMIUM RIDERWaives your premium payment for the Policy and any attached riders if the Insured becomes totally disabled, as defined in the rider, for at least six months. If the total disability ceases, simply resume premium payments from that point forward. ELIGIBILITY3Sagicor Whole Life Insurance provides coverage for the entire life of the Insured as long as the Policy remains in force and is not Surrendered prior to the payout of the Death Benefit. The available Death Benefit varies depending on the Issue Age. Issue Age 15 days to 17 years, available amounts$5,000 to $75,000. Issue Age 18–75 years, available amounts $5,000 to $75,000, simplified underwriting. Issue Age 18–90 years, available amounts$75,001 to $500,000+, full underwriting 1 Loan Value is the Cash Surrender Value less any loan interest on total indebtedness. DOWNLOAD
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