SAGICOR 175ENDOWMENT PLAN

CELEBRATEOUR SUCCESS

You’ll Thank Yourself

175% AFTER 25 YEARS

Sagicor has reached an important milestone in its history - its 175th Anniversary. We are commemorating this moment by thanking our customers, staff and the people who played a crucial role in our success and growth over the years. In celebration of this event, we are delighted to share our new Sagicor 175 Endowment Plan, with you who matter most.

Sagicor 175

WHAT IS THE SAGICOR 175 ENDOWMENT PLAN?

The Sagicor 175 Endowment Plan is a Non-Participating 25 Year Endowment with an additional bonus at maturity of 75% of the Sum Insured.

The plan will be offered for only a 12 month period which is meant to coincide with a year of anniversary celebrations.

Plans will mature during Sagicor’s 200th anniversary celebrations.

HOW CAN SAGICOR 175 ENDOWMENT PLAN BENEFIT YOU?

Sagicor 175 Endowment Plan helps you to protect your

financial future and allows you to:Accumulate cash values for future cash requirements such as

liquidating mortgage, the cost of education, graduation gift, wealth accumulation, or even supplementing retirement income.

Ensure that in the event of death, your family’s needs are taken care of and expenses or debts can be settled.

Accomplish specific savings goals with guaranteed cash values and a bonus at maturity.

Ability to purchase multiple policies to meet various needs.

HOW THE SAGICOR 175 ENDOWMENT PLAN WORKS FOR YOU?

The major features include:Guaranteed payout of 175% of the sum insured at maturity.

Guaranteed cash values after the third policy year, that may be

used for cash emergencies.

In the event that the insured dies before maturity, payment of a

death benefit made up of the Sum Insured and the equivalent of

all premiums paid in respect of the Maturity Bonus Benefit.

HOW THE SAGICOR 175 ENDOWMENT PLAN WORKS FOR YOU?

Major features continued:Policy Loans are available.

Automatic Premium Loan Provision. This is a non-forfeiture

provision that allows the Insurer to automatically pay an

overdue premium for a policy owner by making a loan against

the Policy’s Cash Value so long as the Cash Value equals or

exceeds the amount of the premium due.

THE SAGICOR 175 ENDOWMENT PLAN DETAILS

ITEM DETAILS

Issue Ages 0 (15 days) – 45 Years (Non-Smoker)20 – 45 years (Smoker)

Sum Insured $TTD $175,000,000 - $1,500,000

Policy Fee None

Surrender Benefit Net Cash Surrender Value

Death BenefitSum Insured plus 100% of Premiums (calculated on monthly mode) paid towards the Special Maturity Bonus

Maturity Benefit 175% of the Sum Insured

Special 175 Survivor Benefit Return of 100% Special Benefit Premium on Death prior to Maturity

Increases / Decreases Only decreases available

SAGICOR 175 OPTIONAL BENEFITS

Total Disability Waiver Of Premium- Issue ages 16 – 45- Expires at age 60

Accidental Death And Dismemberment- Issue Ages 15 – 45- Expires at age 65

Payor’s Waiver- Issue Ages 20 – 55- Expires at age 60

The plan will be offered for only a 12 month period which is meant to coincide with a year of anniversary celebrations.

Plans will mature during Sagicor’s 200th anniversary celebrations.

Premium Modes available are Annually, Semi-Annually, Quarterly & Monthly.

Reinstatements available where the Policy ceases to be in force owing to the non-payment of a renewal premium and within 12 calendar months after the expiry of the Grace Period the Insurer receives the application for Reinstatement in writing. changes.

SAGICOR 175 PLAN FACTS

Evidence satisfactory to the Insurer as to the insurability of the Insured is required. If there is a Payor’s Waiver Benefit, insurability of the Payor will also be required.

Redating is not available.

The Term and Maturity Date of the plan will not be changed by reinstatement.

The basic endowment and special benefit constitute the plan. Neither aspect is available separately.

SAGICOR 175 PLAN FACTS

Reduced Paid-Up non-forfeiture option is available. Under this option the Insurer will classify the Policy as a Paid-Up policy with no further premiums payable thereon.

The Paid-Up option will provide a reduced benefit determined in accordance with the Table of Paid Up Values and will be payable at Maturity less any indebtedness.

Once a policy is made Paid-Up, no additional benefits or Riders will apply and the Policy will be endorsed to reflect these changes.

SAGICOR 175 PLAN FACTS

The SAGICOR 175 Endowment Plan is one of the many solutions offered by Sagicor to help you reach your goals. Please ask a Sagicor Advisor how this

product can be part of a wise approach to your complete financial

well-being.