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Insurance professionals only. Not for public distribution.

Connect with Clients

Be ready to respond to common questions about fixed indexed single premium deferred annuities (FIAs) with Sagicor’s client-friendly materials. Answering client questions clearly with relevant case studies and details helps them understand how products like Sage Accumulator FIA can support their retirement income strategy.

WHEN CLIENTS SAY:

I still want my retirement savings to grow.

FIAs offer tax-deferred protected growth opportunities without direct market investment via index-linked interest crediting strategies.

SHARE THE:

Overview of Strategies to show how Sage Accumulator FIA would have performed based on the historical returns of the S&P 500^® Index or selected iShares^® ETFs..

I’m wary of missing out on market gains.

FIAs balance upside potential with principal protection.

Participation Rate Flyer to provide historical examples of S&P 500^® Index returns and the associated Par strategy crediting rates, and the Allocation Guide for an explanation of the available interest crediting strategies.

I’m concerned the market will drop when I retire.

FIAs offer principal protection – clients will never be credited interest less than 0.00% annually and previously credited interest is locked in.

Break-Even Burden Flyer to remind clients that gains and losses aren’t 1:1, and losses experienced early in retirement can be especially risky.

I’m worried about meeting my expenses when I stop working.



FIAs offer lifetime income options that help address longevity risk.

Client Guide to explain the available liquidity and annuitization options, including penalty-free withdrawals for nursing home care and terminal illness.^{1, 2}

The Bottom Line:

Sage Accumulator FIA offers growth, protection and income 
flexibility for a more confident retirement.

Need help? Contact the Producer Resource Center!

Phone: (888) 724-4267, ext. 4680

Email: PRC@SagicorLifeUSA.com

Chat: Log in to the Producer Portal

Visit us online at SagicorProducer.com.

¹Withdrawals prior to age 59½ may be subject to ordinary income tax and a 10.00% IRS tax penalty.

²Not long-term care insurance. Please see the contract to review qualification specifications.

iShares^® and BlackRock^®, and the corresponding logos, are registered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”) and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Sagicor Life Insurance Company for certain purposes. Sagicor Life Insurance Company’s products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares MSCI EAFE ETF, the iShares MSCI Emerging Markets ETF, or the iShares ESG Aware MSCI USA ETF, nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by Sagicor Life Insurance Company or any member of the public regarding the advisability of purchasing any product or service offered by Sagicor Life Insurance Company. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares ETFs or any data related thereto, or in connection with the operation, marketing, trading or sale of any Sagicor Life Insurance Company product or service offered by Sagicor Life Insurance Company.

For more information about iShares, see ishares.com.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sagicor Life Insurance Company (Sagicor). S&P^®, S&P 500^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sagicor. Sagicor’s product(s) are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500^® Index.

Your clients do not participate in the performance of any securities investment. Credited interest, if any, is limited by the application of interest rate caps and participation rates. Indexes are unmanaged and index returns do not reflect dividends. Your clients do not receive index or iShares returns.

Products issued by Sagicor Life Insurance Company. Home Office: Scottsdale, AZ. Products not available in all states, and state variations may apply. Sagicor does not provide tax or estate planning advice. Your client(s) should consult with their tax advisor(s). Annuities and life insurance products have limitations and restrictions, including surrender charges. Sagicor issues other fixed annuities and life insurance products with similar features, benefits, limitations and restrictions. Contact Sagicor for more information. Contract Forms: ICC173007, 3007, 3007CA, and 3007FL.24. Rider Forms: 6080.

Sagicor is rated “A-” (Excellent) by A.M. Best Company (4^th best out of 16 possible ratings), affirmed as of April 9, 2025. Rating and guarantees based on the claims-paying ability of Sagicor Life Insurance Company. 

Insurance professionals only. Not for public distribution.

SA-EML0049 | February 19, 2026