Designed for tax-deferred cash value growth and income distribution potential, this policy offers clients flexibility to meet their changing needs. Available with Sagicor’s streamlined Accelewriting® and fully underwritten processes.

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Stock market index linked crediting strategies or a fixed rate

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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.

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)

*Not applicable in all states.