Protection For Today And Security For Tomorrow

When times are uncertain, people look for affordable financial products from a company they can trust. The security provided through maintaining life insurance is important. Our Sage NLUL product offers you an affordable universal life insurance policy as an alternative to term life insurance, which you may outlive. Our No Lapse Universal Life Insurance product can provide you with guaranteed premium and death benefit protection for life. Your premiums can be locked in and guaranteed level to age 120. Our Sage NLUL can also provide you with added protection as you grow older and experience adverse health changes that may make it more difficult to qualify for new life insurance policies.

It provides you with benefits and solutions such as:

  Guaranteed level premiums throughout the life of your policy
  Option to select a specific period of time for level protection
  Income and living expense protection for dependents
  Funding for mortgage payment

No Lapse Guarantee1
The policy is guaranteed to remain in force during the first five policy years if the total premium paid (less withdrawals and indebtedness) is at least equal to the cumulative monthly no lapse premium required. After the first five years, the policy is guaranteed to remain in force if the no lapse guarantee value (minus any indebtedness) is greater than zero.


1 No Lapse Guarantee is subject to the terms and conditions specified in the policy. The No Lapse feature does not mean your policy can never lapse. See policy for more details


Insurance products are issued by Sagicor Life Insurance Company (Sagicor), a member of the Sagicor Group. Sagicor Life Insurance Company is licensed in 45 states and the District of Columbia and is rated A- (Excellent) by AM Best (4th best out of 16 possible ratings). This rating is based on Sagicor’s financial strength and ability to meet its ongoing obligations. 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.