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1 PRODUCT GUIDE Sage Whole Life SagicorLifeUSA.com

2 Table of Contents 3 4 Sage Whole Life Product Information Inherent Rider - Accelerated Benefit Insurance Rider 4 Optional Riders - Accidental Death Benefit Rider Waiver of Premium Rider 5 Underwriting Requirements Underwriting Processes and Guidelines Approved Paramedical Companies Approved Lab Companies Disclosures DISCLOSURE: The information contained in this product guide is summary in nature and is subject to the applicable policy and rider wording. In order to obtain a complete understanding, please read the policy provisions carefully as this is not intended to be a substitute for the policy. Policy and riders are not available in all states.

3 SAGE WHOLE LIFE DESCRIPTION Our Sage Whole Life is a non-participating whole life policy providing coverage for the life of the insured, as long as the policy remains in force and is not surrendered prior to the payout of the death benefit. Sage Whole Life offers a guaranteed premium, cash value and death benefit. ISSUE AGES (AGE OF LAST BIRTHDAY) 15 days to 85 years MINIMUM FACE AMOUNT 1 $25,000 MAXIMUM FACE AMOUNT $250,000 DEATH BENEFIT/FACE AMOUNT BANDS Juvenile Band 2, Issue 15 days - 15 years, $25,000 - $99,999 Band 2, Issue 1 years - 85 years, $25,000 - $99,999 Band 3, Issue 1 years - 85 years, $100,000 - $250,000 UNDERWRITING Juvenile Express Issue Application Juvenile Band 2 ( 15 days - 15 years) Risk Class: Standard Juvenile Simplified Issue Application Band 2 & 3 ( 1 years - 5 years) Risk Classes: Preferred Non-Tobacco, Standard Non- Tobacco, Rated Non-Tobacco, Preferred Tobacco and Standard Tobacco Fully Underwritten Application Band 2 & 3 ( years - 85 years) and Risk Classes: Preferred Non-Tobacco, Standard Non- Tobacco, Preferred Tobacco and Standard Tobacco Substandard ratings are not allowed under Juvenile Applications or Simplified Issue Applications. Fully Underwritten Applications may be rated up to Table 8 for issue ages up to age 85. The maximum flat extra premium amount is $20 per $1000 of death benefit purchased, per year. Any flat extra premium may not exceed twenty years. ANNUAL POLICY FEE (FULLY COMMISSIONABLE) $50 (Fee for spouse policy $25) POLICY ISSUE DATES 1 st - 28 th MATURITY Policy anniversary following the insured s age 100 MODAL FACTORS Annual 1.00 Semi Annual 0.52 Quarterly 0.25 Monthly EFT 0.09 LOANS Loans are allowed. The maximum loan value is the cash value as of the date of the loan, less any existing loan and accrued interest and interest on indebtedness from the date of the loan to the next policy anniversary date. Interest rate of 5.% charged in advance of the loan. P 3

4 AVAILABLE RIDERS (Riders may vary by state and all riders may not be available in all states) Accelerated Benefit Insurance Rider - Terminal Condition (inherent rider included in the premium at no additional cost.) Accidental Death Benefit Rider (additional charge) Waiver of Premium Rider (additional charge) ACCELERATED BENEFIT INSURANCE RIDER Inherent rider, included at no additional cost. The cost of this rider is included in the policy premium. This rider advances a portion of the eligible death benefit proceeds if eligibility requirements are satisfied for Terminal Condition. Terminal Condition Terminal Condition, as used in this rider, means that a licensed physician has certified, in writing, that the insured s imminent death is expected as a result of a non-correctable medical condition that with reasonable medical certainty will result in a drastically limited life span of 12 months or less. Upon certification by a licensed physician, as defined in this rider, that the insured has been diagnosed with a Terminal Condition, the owner may elect to accelerate any portion of the maximum accelerated death benefit amount 2. An administrative fee 3 will be deducted from the elected accelerated death benefit amount and the remainder will be paid in a lump sum. ACCIDENTAL DEATH BENEFIT RIDER For an additional charge, this rider provides an additional death benefit if death is the result of a covered accident, as defined in the rider. The additional death benefit may be an amount up to the face amount of the base policy, not to exceed $250,000. The minimum amount is the same as the base coverage minimum. Issue : 1 years to 0 years (terminates at age 70) Minimum Death Benefit 1 : $25,000 Maximum Death Benefit: The lesser of the base face amount or $250,000 Annual Premium: $1.32 per $1,000 WAIVER OF PREMIUM RIDER 2 For an additional charge, this rider provides for the waiver of premiums due on the policy and any attached riders for as long as the insured meets the definition of totally disabled. However, we will continue to deduct premiums for the policy and any attached riders until we receive proof of your claim in writing. When we receive proof, any premium paid that is eligible to be waived will be refunded. Issue : 1 years to 55 years (terminates at age 5) Annual Premium: Rate per $1,000 (See below) Age WP Rates Age WP Rates Age WP Rates P 4

5 UNDERWRITING REQUIREMENTS JUVENILE EXPRESS ISSUE APPLICATION (BAND 2) 4 Face Amount Band 2 $25,000-$99, days - 15 years A 1 years - 85 years SIMPLIFIED ISSUE APPLICATION (BANDS 2 & 3) 4 Face Amount Band 2 $25,000-$99,999 Band 3 $100,000-$250,000 1 years - 5 years B B years - 85 years FULLY UNDERWRITTEN APPLICATION (BANDS 2 & 3) 4 Face Amount Band 2 $25,000-$99,999 Band 3 $100,000-$250,000 1 years - 5 years years - 85 years C D A Juvenile Express Issue Application, MIB, Intelliscript, IAI B Simplified Issue e-application (Accelewriting Process/No Telephone Interview, MIB, Intelliscript, IAI, MVR C Fully Underwritten Application, MIB, Intelliscript, IAI, APS, MVR D Fully Underwritten Application, MIB, Intelliscript, IAI, APS, Paramed Exam, HOS, BCP, MVR APS Attending Physician s Statement BCP Blood Chemistry Profile HOS Home Office Specimen IAI Insurance Activity Index MIB Medical Information Bureau MVR Motor Vehicle Record P 5

6 UNDERWRITING PROCESSES AND GUIDELINES Please refer to the Simplified Issue Underwriting and Medical Impairment Guide (Form 439) for detailed information regarding Sagicor Life Insurance Company (Sagicor s) underwriting processes and guidelines. APPROVED PARAMEDICAL COMPANIES Sagicor will be responsible for ordering all medical requirements and will process the order within two business days of receiving the application. If the requirements are ordered by the producer, please indicate on the application the paramedical company and requirements ordered. Sagicor will follow up with the paramedical companies and the status will be provided on our website under pending policies. APPS AMERICAN PARA PROFESSIONAL SYSTEMS, INC EMSI EXAMINATION MANAGEMENT SERVICES, INC EXAMONE APPROVED LAB COMPANIES CRL CLINICAL REFERENCE LAB LABONE DISCLOSURES 1 In WV, minimum face amount is $25, Minimum benefit election: $5,000. The maximum accelerated death benefit amount is the lesser of the face amount less $5,000 or $250, As used in this rider, administrative fee means a onetime charge equaling the lesser of $250 or the maximum allowed by law in the state in which this policy was issued. 4 Additional requirements and studies such as an electrocardiogram, treadmill, attending physician s statement, interview and/or investigative consumer report may be requested at the discretion of the underwriter at any age and any amount. SUPERIOR MOBILE MEDICS P

7 Policy Forms: ICC091009/1009, ICC09001/001, ICC09003/003 and ICC09033/033 SAGICOR LIFE INSURANCE COMPANY 4343 N. Scottsdale Road, Suite 300 Scottsdale, AZ CLIENT SERVICES (888) Ext. 410 Fax(480) PRODUCER RESOURCE CENTER (888) Ext. 480 Fax(800) For producer use only. Not for use with the general public. S Sagicor is rated A- (Excellent) by A.M. Best Company (4 th best out of 1 possible ratings). This rating is based on Sagicor s financial strength and ability to meet its ongoing obligations.

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