Designed for tax-deferred cash value growth and income distribution potential, Sage IUL offers clients flexibility to meet their changing needs, and includes a built-in chronic illness protection rider*. This policy is also a great fit for clients looking for cost-efficient life insurance. It features crediting strategies that can provide a broad range of growth opportunities in the U.S. and around the globe — including iShares® ETFs from BlackRock. Sage IUL is available with Sagicor’s streamlined Accelewriting® and fully underwritten processes.

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ETF and market index-linked
crediting strategies and
a fixed rate crediting option

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Protection from
market losses

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Chronic illness protection for no additional cost or underwriting*

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The opportunity of
policy eDelivery

Inherent: Accelerated Benefit Insurance Rider (Terminal Condition or Chronic Illness1), Over Loan Protection Rider

Optional: Accidental Death Benefit Rider2, Children’s Term Rider2, Guaranteed Insurability Option Rider, Waiver of Monthly Deductions Rider2

1Chronic Illness not available in CA.

2Not available with juvenile policies.

A light green plus sign inside of a perfect, light green circle  Crediting Strategies

Juvenile Issue (eApplication only):

  • Available for face amounts of $50,000 to $99,999 for ages 15 days to 17 years

Accelewriting® (eApplication only):

  • Available for face amounts of $100,000 to $1,000,000 for ages 18 years to 50 years
  • Available for face amounts of $100,000 to $500,000 for ages 51 years to 65 years

Fully Underwritten (eApplication and Paper Applications available):

  • Available for face amounts of $1,000,001 or more for ages 18 years to 50 years
  • Available for face amounts of $500,001 or more for ages 51 years to 65 years
  • Available for face amounts of $100,000 or more for ages 66 years to 85 years (to 70 years in CA)

A light green plus sign inside of a perfect, light green circle  Product State Availability

*Chronic illness protection not available in CA.