Sagicore life insurance reviews
4343 N. Scottsdale Road, Suite 300 Scottsdale, AZ 85251

(888) 724-4267 ext. 4610

Compare Sagicor against other top carriers

Sagicor Life Insurance Reviews

Sagicor ranks as our #1 no exam carrier. They are the hands-down leader of simplified issue life insurance policies.

Their underwriting process involves true no exam policy up to $1,000,000 in coverage depending on the applicant’s age and term length. The underwriting decision is based on the application medical questions and 3 additional reports (MIB, MVR and RX reports) as opposed to taking a medical exam.

Sagicor Life Insurance Reviews
  • Underwriting
  • Products
  • Products
  • Competitive Prices

Summary

Sagicor is a strong carrier for its quick and easy underwriting process. It also offers competitively-priced premiums compared to other no exam policies. Because of its true simplified issue underwriting, it’s one of the best choices for those without pre-existing conditions.

Overall
4.9

Pros

  • No Exam up to $1,000,000 
  • True simplified issue no exam
  • 15 minute underwriting decision possible
  • Preferred Plus Rates on No Exam

Cons

  • Underwriting with medication history
  • Not eligible if you are over the age of 75
  • Doesn’t offer 30 year term

Sagicor Life Insurance Company offers a wide range of products such as term life, whole life, and universal life insurance.

Sage Term Life Insurance offers affordable level premium term periods of 10, 15, and 20 years. After the initial term period, coverage becomes renewable annually until the insured’s 95th birthday. Conversion to a permanent life policy is also available until the insured’s 70th birthday.

These products are available through Sagicor’s Accelewriting automated underwriting process and fully underwritten process for certain face amounts and ages.

Product Types and Names

Product Type Product Name
Term Life Sage Term
Whole Life Sage Whole Life
Universal Life Sage UL

Term Issue Ages

Product Name Term Length Issue Age
Sage Term 10 Year Term  18 years to 75 years
Sage Term 15 Year Term  18 years to 70 years
Sage Term 20 Year Term  18 years to 65 years
Rate Classes Offered
Preferred Plus
Preferred
Standard Plus
Standard
Preferred Tobacco
Standard Tobacco
OPTIONAL RIDERS
Children’s Term Rider
Waiver Of Premium Rider
Accidental Death Benefit Rider
Accelerated Benefit Rider
Chronic Illness Benefit Rider
Carrier Name A.M. Best Standard & Poor’s Comdex
Sagicor A- NA NA

Sagicor Life Accelewriting

Sagicor’s Accelewriting service offers one of the easiest and fastest underwriting services in the industry. The process is completely digital, and it only takes minutes to complete the application and receive your decision. Watch their promotional video to find out more:

Additional Strengths

Single Premium and 10 pay whole life

Sagicor has the most competitive single premium whole life product on the market today.  They offer a Fixed Indexed Single Premium Whole Life Insurance product and an Interest Sensitive Single Premium Whole Life product.

GUL

Sagicor offers a strong guaranteed universal life insurance product which is in line with their Sage term product, as it offers level premiums and no medical exam options. The most significant difference between this and there Sage term is this type of policy will last until age 121.