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Sage Accumulator 10 FIA

Originally established in 1840 in the Caribbean, the Sagicor Life Insurance Company is one of the oldest insurance groups in the Americas, helping families and individuals alike find financial protection for just over 180 years. With life insurance, annuity, and health insurance products available, the company seeks to meet the multifaceted financial desires of its customer base. Their mission is to be the kind of life insurance organization that regularly generates high returns for its shareholders, outstanding opportunities for its employees, and trust from its many stakeholders.

Sage Accumulator 10 FIA

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

10 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, and Roth Conversion (Full)

Launch Date

07/15/2025

Sage Accumulator FIA offers principal protection and growth opportunities via interest crediting strategies linked to the performance of the S&P 500 Index, three iShares ETFs from BlackRock, or a fixed rate.

Available in states: AL, AZ, AR, CA, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.5% Fixed
1-Year Fixed Account (CA Only)	Fixed	4.45% Fixed
1-Year iShares ESG Aware MSCI USA ETF PTP Participation Rate (CA Only)	Point to Point Annual	45.5% Participation
1-Year iShares MSCI EAFE ETF PTP Participation Rate	Point to Point Annual	59% Participation
1-Year iShares MSCI EAFE ETF PTP Participation Rate (CA Only)	Point to Point Annual	58.5% Participation
1-Year iShares MSCI Emerging Markets ETF PTP Participation Rate (CA Only)	Point to Point Annual	51.5% Participation
1-Year iShares MSCI Emerging Markets ETF PTP Participation Rate	Point to Point Annual	52% Participation
1-Year iShares ESG Aware MSCI USA ETF PTP Participation Rate	Point to Point Annual	46% Participation
1-Year S&P 500 PTP Cap (CA Only)	Point to Point Annual	8.9% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9% Cap
1-Year S&P 500 PTP Participation Rate (CA Only)	Point to Point Annual	50.5% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	51% Participation
1-Year Fixed Account	Fixed	5% Fixed
1-Year Fixed Account (CA Only)	Fixed	4.95% Fixed
1-Year S&P 500 PTP Cap (CA Only)	Point to Point Annual	9.9% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10% Cap
1-Year S&P 500 PTP Participation Rate (CA Only)	Point to Point Annual	55.5% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	56% Participation
1-Year iShares ESG Aware MSCI USA ETF PTP Participation Rate	Point to Point Annual	51% Participation
1-Year iShares ESG Aware MSCI USA ETF PTP Participation Rate (CA Only)	Point to Point Annual	50.5% Participation
1-Year iShares MSCI Emerging Markets ETF PTP Participation Rate (CA Only)	Point to Point Annual	56.5% Participation
1-Year iShares MSCI Emerging Markets ETF PTP Participation Rate	Point to Point Annual	57% Participation
1-Year iShares MSCI EAFE ETF PTP Participation Rate	Point to Point Annual	64% Participation
1-Year iShares MSCI EAFE ETF PTP Participation Rate (CA Only)	Point to Point Annual	63.5% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

No Riders for Sage Accumulator 10 FIA annuity.

Waivers

Death

Death benefits are not subject to surrender charges or market value adjustments.

Nursing Home

The owner may take a penalty-free withdrawal of up to 100% of the accumulation value if, after the effective date: 1. The owner had not been confined and continues to be confined to a nursing home facility or confined care facility either: А. Any time from the date of the application to the contract effective date, or B. For at least 30 consecutive days any time in the prior year from the contract effective date, and 2. The owner had been or has been confined to a nursing home facility or confined care facility for at least 90 consecutive days.

Terminal Illness

The owner may take a penalty-free withdrawal of up to 100% of the accumulation value if, after the first contract year: 1. The owner has been diagnosed with a terminal illness by a licensed physician, and 2. The first diagnosis of terminal illness occurred after the effective date. Sagicor may require: 1. Clinical, radiological, histological and laboratory evidence of the terminal illness at the owner’s expense, or 2. An exam or tests by a licensed physician of our choice at Sagicor’s expense.

Premium Notes

Minimum Premium

Low Band: $25,000+ (qualified and non-qualified)
High Band: $75,000+ (qualified and non-qualified)

Maximum Premium

$1,000,000
Higher amounts require Home Office approval

Withdrawal Provisions

None Annual FeesPenalty-Free Withdrawals AnnualAfter the first contract year, the owner may take a penalty-free withdrawal of up to 10% of the accumulation value. Minimum withdrawal amount is $500 Penalty-free RMDs are available, by company practiceIn the first contract year, in an amount up to the contract’s full RMD amount Sagicor has calculated for the applicable calendar year; and After the first contract year, in an amount Sagicor has calculated for the applicable calendar year, less any amount the owner has already withdrawn penalty free in the same contract year. In each contract year, the total penalty-free RMD amount will reduce, by an equal amount, the amount available to the owner to otherwise withdraw penalty free. Market Value Adjustment (MVA)A Withdrawal in excess of the maximum Penalty Free Withdrawal amount will be subject to an MVA for the period during which the Surrender Charges apply. An MVA is an amount by which a full or partial withdrawal is adjusted, resulting in a positive or negative impact to a withdrawal. An MVA will apply to any Withdrawal subject to a Surrender Charge and will be applied on the date of the Withdrawal, prior to the application of the Surrender Charge. An MVA will not apply to a Penalty Free Withdrawal amount.

Company Founded: 1954

Excellent Rated Company

Sagicor Life Insurance Company

Company Ratings

4.2