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
Flexible premiums3
Principal protection and index-linked interest crediting strategies for growth potential
Chronic illness protection for
no additional cost or underwriting4
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)
- 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
Sales Concepts
Rates and Crediting Strategies
Process Guides
New Business
- Log in to access forms
- Life Application List
- Tips for Submitting New Business
- Life Insurance Application Verification Tips
Underwriting
Product Basics
Product Videos
Prospecting Tools
Retirement
- Income Sources in Retirement (Fillable | Standard)
- Retirement Concerns for Women (Fillable)
- Steps for Retirement Readiness (Fillable)
- Tax Considerations in Retirement (Standard)
- Is Your Income Tax Bill High? (Fillable)
- Tax Advantages Now and In Retirement (Standard)
Planning for Care
Tax Efficiency
- Planning to Pass on Your IRA Assets? (Fillable)
- Diversification for Tax Efficiency (Fillable)
- Indexed Universal Life Insurance Portfolio (Fillable | Standard)
- Tax Considerations in Retirement (Fillable)
- Is Your Income Tax Bill High? (Fillable)
- Tax Advantages Now and In Retirement (Standard)
Business Planning
- 162 Bonus Plan for Business Owners (Fillable)
Fact Sheets
- iShares® ESG Aware MSCI USA ETF Fact Sheet
- iShares® MSCI EAFE ETF Fact Sheet
- iShares® MSCI Emerging Markets ETF Fact Sheet
- S&P 500® Index Fact Sheet
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. |