1. Less any loans, withdrawals or Accelerated Benefits paid out.

2. The Accelerated Death Benefit Rider, included at no additional charge, can advance a portion of the death benefit prior to the

 insured’s death, in the event of a terminal condition or a chronic illness.

3. Issuance of the policy may depend upon the answers to the health questions set forth in the application.

For Producer use only. Not for use with the general public.

Sagicor issues life insurance and annuity products. Policy and riders not available in all states. State variations may apply. Single

 Premium eApps for amounts above the Accelewriting® Net Amount at Risk (NAR) limits will be automatically referred to underwriting

 for further review. Policy and riders are subject to all applicable surrender charges.