TERM LIFE

Platinum Series 10/20/30 Term Insurance

AFFORDABLE PROTECTION FOR A SECURE FUTURE

The Sagicor Platinum Series 10/20/30 Term can help you feel secure in the knowledge that you and your loved ones are protected for the future. Sagicor Life's 10/20/30 Term provides protection for your family, business, can help pay off your mortgage if you die, and provides income due to an Accident Disability or Terminal Condition.

Reasons to consider Platinum Series 10/20/30 Term insurance include - Guaranteed level premiums during the initial 10, 20 or 30 year term¹, a level death benefit to age 95¹, and conversion privileges to age 70.

Accelerated Benefit Insurance Rider - Helps cover medical costs or nursing home care by allowing you to use a portion of the death benefit in the event of a terminal illness diagnosis. Included at no additional cost².

OPTIONAL BENEFITS³

There are a number of optional benefits designed to suit your lifestyle and family needs. Read below to find the best benefits for you and your loved ones.

• Accidental Disability Income Benefit Rider: Provides you, the primary insured, with a monthly income should you become totally disabled in an accident. Benefits start after a 90-day waiting period. (see rider for exclusions and limitations).

• Children's Term Rider: Provides term life protection for your 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 for up to five times the original amount, regardless of their current health.
• Accidental Death Benefit Rider: If you should die due to an accident, as defined in the rider, your beneficiaries will receive an additional Death Benefit.
• Waiver of Premium Rider: Waives your premium payments if you, the primary insured, become totally disabled for at least six months³. If the total disability ceases, simply resume premium payments.

Disclaimers

1.   Policy Form #1000, Platinum Series is a Death Benefit Term Policy to age 95, subject to underwriting. Premiums increase annually after the initial premium period. Up to 2-year contestable and suicide period. Benefits are adjusted for misstatements of age or sex (not in MT). Terms and limitations may apply. Unisex Rates are used in Montana only. Not available in all states.
2.   If an Insured is under age 91 and has less than 12 months to live (as diagnosed by a licensed physician), we will pay the lesser of 50% of the face amount of the Policy or $300,000 (lump-sum payment). If an Insured is older than age 59 (not in TN) and has been confined to a nursing home for 180 consecutive days and is expected to remain confined until their death, we will pay the lesser of 50% of the face amount of the Policy or $300,000 (in monthly installments). Not available in all states.
3.   Check Policy for details on all options. Optional Benefits are provided by rider for an additional cost. Terms and conditions apply. Not available in all states.

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.