Sagicor Life®

How Does Sagicor's Sage IUL
Compare with the Competition?

Sagicor’s Sage IUL provides your clients with greater wealth accumulation potential on a tax-deferred basis, with the protection from stock market fluctuations. Check out the product features and chart below to see how we compare.

  • Sagicor’s Sage IUL is available through Accelewriting® with NO telephone interview ever
    • Opportunity for an underwriting decision at point-of-sale, up to $1M in death benefit (depending on age)  
  • Built-in Chronic Illness Accelerated Benefit rider, for NO additional upfront cost or additional underwriting
  • Multiple crediting strategy options for a customized approach
  • Persistency bonus opportunity of .5% starting year 11
  • Potential for greater cash accumulation, with protection from downturns in the market
  • Tax-advantaged growth, distributions, and death benefit


The comparison chart below is a representative sampling of Universal Life products using equivalent criteria.
There may be lower premium products in the marketplace that are not shown.


*Source: Sagicor Life Insurance Company, April 1, 2019. The chart above was compiled via WinFlex and, 10 IUL carriers were illustrated, then narrowed down to 4 carriers based on the following criteria and similar IUL products: male, age 45, preferred NT, Arizona issue state, $10,000/year premium for 10 years, $500,000 level Death Benefit. Each carrier illustrated using S&P 500 CAP® Strategy, 1-year point-to-point, maximum illustrated rate.


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