[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/sagicor-life-insurance-review\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/sagicor-life-insurance-review\/","headline":"2025 Sagicor Life Insurance Company Review + Rates","name":"2025 Sagicor Life Insurance Company Review + Rates","description":"Sagicor Life Insurance is one of are go to no exam life insurance companies. They are truly an innovator in the life insurance marketplace. Sagicor Life Insurance offers non medical term life, universal life, and whole life insurance policies.","datePublished":"2019-08-05","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/12\/sagicor.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/12\/sagicor.png","height":576,"width":1024},"url":"https:\/\/www.easyquotes4you.com\/sagicor-life-insurance-review\/","about":["Life Insurance"],"wordCount":1088,"keywords":["life insurance","sageterm","sagicor","sagicor financial","sagicor financial corporation","Sagicor Life","sagicor life insurance"],"articleBody":"            Quick Navigation Links                                    Show                                                    1                Sagicor Financial Corporation\u2019s History                                2                Sagicor Life Insurance Products                                3                SageTerm                                4                Sagicor Life Permanent Life Insurance                                5                Sage No Lapse Universal Life (NLUL)                                6                Sample Monthly NLUL for Male\/ Standard Non-Tobacco                                7                Sage Indexed Universal Life (IUL)                                8                Sage Whole Life                                9                Interest Sensitive Single Premium Whole Life Insurance (ISSPWL)                                10                Sagicor Life Annuities                                11                Our Thoughts        Sagicor Life Insurance is one of our go to no exam life insurance companies. They are truly an innovator in the life insurance marketplace. Sagicor Life Insurance offers non medical term life, universal life, and whole life insurance policies.Sagicor Financial Corporation\u2019s  HistoryEstablished in 1840, Sagicor Financial is licensed in 45 states and the District of Columbia. They also have operations in 22 countries, but their primary business is in the United States, Latin America, and the Caribbean.It\u2019s original name was Barbados Mutual Life Assurance Society, but its official name today is Sagicor Financial Corportation.Sagicor Financial Corporation is considered one of the oldest insurers in the Americas\u2019. Sagicor Financial \u201cdemutualized\u201d in 2002 and shortly after purchased American Founders Life. This company was re-branded into Sagicor Life Insurance Company.Sagicor Financial philosophy is to have \u201cwisdom with heart\u201d and its name \u201cSagicor\u201d reflects its pursuit of its goals with wisdom, humility, and dignity.The key mission for Sagicor Financial Corporation today is:\u201cTo be a life insurance organization that consistently generates high returns to its shareholders, exceptional opportunities for its employees, and respect and trust from its various publics.\u201dSagicor Life Insurance has offices in Scottsdale, Arizona and Tampa, Florida. Sagicor boasts an \u201cA-\u201d rating with AM Best Rating.Sagicor Life has outstanding reviews and their no exam term life insurance is very competitive with the top insurance carriers.Sagicor Life Insurance ProductsAs we spoke of earlier Sagicor Life offers no exam life insurance on their term and permanent life insurance polices.SageTermSagicor Life offers a simplified issue term life policy called the SageTerm. It\u2019s available for 10, 15, or 20 years depending on your age, with issue ages up to 65.You can purchase up to 1 million of coverage without an exam and all SageTerm comes with a convertibility clause. This means you can convert your term policy to a permanent policy up till age 70 without any medical questions asked.Optional riders that you can add to the SageTerm for additional cost are:Children\u2019s Term Rider\u2013 This rider will cover your child from the age of 15 days to 19 years old. You can keep the coverage till the child reaches the age of 25 years old. You also are able to convert the child rider to a permanent policy regardless of your child\u2019s health.Accidental Death Benefit Rider\u2013 Pays an additional death benefit if death is due by a covered accident.Waiver of Premium Rider\u2013 This rider pays premium for the insured in the event he or she becomes disabled and unable to work.Sample Monthly Term Rates for Male\/ Standard Non-Tobacco\/ 20 year termSample Monthly Term Rates for Female\/ Standard Non-Tobacco\/ 20 year termSagicor Life Permanent Life InsurancePermanent life insurance can be defined as coverage that lasts for your entire life while building up cash value. Sagicor Life Insurance offers a variety of permanent life options.Sage No Lapse Universal Life (NLUL)This permanent life product is Sagicor Life guaranteed universal life policy. Premiums and death benefit are guaranteed to age 120. The Sage NLUL builds very little cash value and is designed more for a low cost permanent life product.The Sage NLUL doesn\u2019t require an exam for death benefits up to $400,000 if the insured is between the ages of 16-65. Otherwise an exam is required. Sage NLUL also comes with the living benefits rider at no extra charge.Sample Monthly NLUL for Female\/ Standard Non-TobaccoSample Monthly NLUL for Male\/ Standard Non-TobaccoSage Indexed Universal Life (IUL)If you are looking to accumulate cash value in your life insurance policy then the Sage IUL would be a perfect fit. Here are some reasons to own a Sage IUL:\u2022 Cost-efficient, permanent life insurance protection\u2022 The potential for cash accumulation\u2022 Multiple crediting strategy options for a customized approach\u2022 Protection from stock market fluctuations\u2022 A flexible death benefit and premium payments\u2022 Tax advantaged growth, distributions, and death benefit\u2022 Inherent Accelerated Benefit rider in case of a Terminal Condition or a Chronic Illness\u2022 Built-in Over Loan Lapse Protection rider providing a guaranteed insurance benefit\u2022 Optional riders for customized coverageYou can apply up to $1 million of death benefit without an exam if you are between the ages of 18-50. Issue ages 51-65 don\u2019t have to complete an exam if death benefit is less than $500,000.Sage Whole LifeSagicor Life Insurance offers a non-participating (NO DIVIDENDS) whole life policy with guaranteed premiums, guaranteed death benefit, and guaranteed cash value growth.Sage Whole Life requires no exam up to a $250,000 death benefit with issue ages between 16-65 years of age. Sage Whole Life also offers the same riders as SageTerm.Interest Sensitive Single Premium Whole Life Insurance  (ISSPWL)This product is Sagicor Life single premium whole life insurance product. The ISSPWL provides coverage for life, guaranteed cash value growth, living benefits and access to funds if they are needed.This product also comes with a guaranteed return of premium, less any loans or withdrawals taken. The ISSPWL also has a guaranteed minimum rate of 3% for the life of the contract.Sagicor Life AnnuitiesSagicor Life Insurance also provides a variety of annuities. The types offered are:Gold Sage Choice SPDA- This is a single premium deferred annuity.Gold SPIA- This is single premium immediate annuityMilestone MYGA- A multiyear guarantee annuitySage Secure FIA- Fixed Indexed AnnuitySage Select FIA- Fixed Indexed AnnuityWhile annuities are a great investment vehicle for the right consumer, we feel you should talk to a professional before purchasing. Our ThoughtsAs you can see Sagicor Life Insurance is a great carrier to have a policy with. Their innovative underwriting has lead the way for no exam life insurance. We would highly recommend Sagicor Life for the healthy consumer. Their underwriting is set up to be fast and they like consumers to be taking minimal medication.As you can see from the sample rates, Sagicor Life is very competitive for the younger consumer and not so much for the older clientele. We are here to help you at EasyQuotes4You. Let our experience guide you through the life insurance process and help choose which company best fits your situation. If you have any questions or comments please let us know.\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Does Sagicor Life offer no exam life insurance?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Yes, Sagicor Life offers no exam term life insurance up to 1 million of  coverage to age 45. Ages 46-55 up to $750K require no exam, and ages 56-65 up to $500K.\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Is Sagicor Life a strong life insurance company?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Established in 1840, Sagicor Financial is licensed in 45 states and the District of Columbia. 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