PERMANENT LIFE

Gold Series Whole Life Insurance

A LIFETIME OF SECURITY

Sagicor Life's Gold Series Whole Life is specifically designed to provide lifetime life insurance coverage along with cash accumulation. By purchasing a whole life policy you are instantly 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 accumulates rapidly. And, should you ever have a financial emergency or opportunity, you can access the cash value of your policy through a policy loan. Best of all, premium payments always remain the same, even as you grow older providing for affordable lifetime coverage. Protect what matters most, be it your family, elderly parent, grandchildren, special needs adult, a business partner, or estate planning and final expenses.

Sagicor Whole Life offers:

• Affordable coverage for your entire life
• Level, fixed premium rates that will never change
• A guaranteed interest rate
• Building of cash value on a tax-deferred basis
• Access to policy's cash value through a loan, if needed
• An option as part of your estate planning
• The comfort that comes from knowing that you have secured the future for those counting on you

Eligibility: Sagicor Whole Life Insurance provides coverage for your entire life 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 issue age.

• Issue Age 15 days to 17 years, available amounts $5,000 to $75,000
• Issue Age 18 to 90 years, available amounts $5,000 to $500,000 plus (higher amounts subject to home office approval)

Accelerated Benefit Insurance Rider - Included 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 illness. The benefit can then be used to help cover medical costs, nursing home care, or whatever you deem necessary. The Accelerated Benefit will equal the lesser amount equal to the death benefit minus $25,000 or $250,000.

OPTIONAL BENEFITS

One or more optional Riders can be added to your Sagicor Whole Life policy to create a customized policy to meet your unique lifestyle and family needs. Ask your producer about specific rider benefit details, exclusions and limitations. Read below to find the best benefits for you and your loved ones.

• Accidental Death Benefit Rider: Provides 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 Rider: Provides you, the primary insured, with a monthly income should you become totally disabled due to a covered accident. Benefits start after a 90-day waiting period.
• Children's Term Rider: Provides term life protection for children, aged 15 days to 19 years, and remains in force for each child until age 25 or marriage. At the end of the term period, the benefit may be converted to a permanent policy for up to five times the original face amount, regardless of current health status.
• Guaranteed Insurability Option Rider: Allows 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 a protection against unforeseen future circumstances, such as a change in health status or increased responsibility for dependents.
• Waiver of Premium Rider: Waives your premium payments if the Insured becomes totally disabled for at least six months. If the total disability ceases, simply resume premium payments from that point forward.

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.