Designed for tax-deferred cash value growth and income distribution potential, Sage IUL helps clients meet changing needs and includes built-in chronic illness protection.1 This flexible policy is also a great fit for clients looking for cost-efficient life insurance. It features interest crediting strategies offering growth opportunities in the U.S. and around the globe — including options linked to the performance of the S&P 500® Index and three iShares® ETFs from BlackRock. Sage IUL is available with Sagicor’s streamlined Accelewriting® and fully underwritten processes.2

Illustration of a dollar sign ($) being squeezed by two parallel curved lines with complementary arrows.

Flexible premiums3

Illustration of two joined links of a chain.

Principal protection and index-linked interest crediting strategies for growth potential

Illustration of the accessible or 'handicap/wheelchair' icon.

Chronic illness protection for
no additional cost or underwriting4

View interest crediting strategies and rates

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

Fully Underwritten® (eApplication or paper application):

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

View state product availability

  • Inherent: Accelerated Benefit Insurance Rider (Terminal Condition or Chronic Illness1), Over Loan Protection Rider
  • Optional: Accidental Death Benefit Rider5, Children’s Term Rider5, Guaranteed Insurability Option Rider, Waiver of Monthly Deductions Rider5

Product Basics

Product Videos

Prospecting Tools

Retirement

Planning for Care

Tax Efficiency

Business Planning

  • 162 Bonus Plan for Business Owners (Fillable)

Fact Sheets

Process Guides

About Us

1, 4 Chronic illness protection is not available in California. Not long-term care insurance.
2 Issuance of the policy may depend upon the answer to health questions set forth in the application.
3 Subject to maximum premium limits set by the IRS.
5 Not available with juvenile policies.