Sage Indexed Universal Life

Sage IUL

Product Specifics

Sage IUL is a flexible premium, permanent life insurance policy. The policy utilizes three distinct interest crediting strategies, providing the potential for cash accumulation growth, on a tax deferred basis, with protection from downturns in the market.

    Juvenile Issue (eApplication only)

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

    • Inherent Rider – Accelerated Benefit Insurance Rider (Terminal Condition or Chronic Illness1), Over Loan Protection Rider
    • Optional Riders – Accidental Death Benefit Rider2, Children’s Term Rider2, Guaranteed Insurability Option Rider, Waiver of Monthly Deductions Rider2
    1 Chronic Illness not available in CA.
    2 Not available with juvenile policies.

  • Cost-efficient, permanent life insurance protection
  • The potential for cash accumulation
  • Multiple crediting strategy options for a customized approach
  • Protection from stock market fluctuations
  • A flexible death benefit and premium payments
  • Tax-advantaged growth, distributions, and death benefit
  • Sagicor’s Accelewriting® process
  • Policy eDelivery available