Universal Life Insurance

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1 Universal Life Insurance Wealth Protection, Accumulation and Transfer International Insurance for Individuals

2 Prepare For Your Future Today! Introducing Sagicor s International Universal Life Insurance from Sagicor Capital Life Insurance Company

3 The Future Is Now Preparing for your future may seem difficult or even impossible, particularly when dealing with the day-to-day issues in your life. Work and family require much of your time. But what about your plans for the future? What about your dreams - opening a business, a vacation home, traveling around the world, or just enjoying a worry free retirement. The truth is you can t achieve your dreams in the future without planning for them today. And, it s never too early, or too late to start. Introducing Sagicor Capital Life s International Universal Life Insurance, a perfect asset accumulation vehicle to get you where you want to be in the future. Remember, most people don t plan to fail, they fail to plan. Take time to plan and secure your future today. How It Works Sagicor Capital Life s International Universal Life Policy provides the opportunity for high cash earning potential. The premiums that you pay create a Fund Value. This Fund Value is used to pay the ongoing charges for administration and cost of insurance. This Fund Value is credited with a competitive interest rate declared by Sagicor Capital Life. This interest is guaranteed to never be less than 3% annually and is usually higher. As well, policyowners may be eligible for a special interest bonus to be credited during year 6 to year 20. The combination results in substantial future cash values that can be used for anything you see fit. In addition, your policy provides protection in case of death. On the death of the life insured, Sagicor Capital Life will pay the named beneficiaries the Sum Insured of the policy. Depending upon the option chosen, Sagicor Capital Life may also pay out the Fund Value in addition to the face amount. Highlights Sagicor Capital Life International Universal Life Insurance is a U.S. Dollar international universal life insurance policy offering asset protection and high cash earning potential to individuals seeking to secure the future for themselves and their beneficiaries. The policy is available to individuals residing outside of the United States and available to those residing in almost every country with few exceptions.

4 Key Advantages Asset protection of a U.S. dollar denominated policy High cash earning potential over time Minimum guaranteed annual interest rate of 3% Level and Increasing Death Benefit available Flexibility to adjust Death Benefits and Premiums to changing needs Opportunity for Special Bonus Interest Available Accidental Death Benefit Rider Available Total Disability Rider No fees for total withdrawal after 10 years of coverage Ideal Uses Individual Wealth Protection, Accumulation and Transfer Individual Estate Planning Business Key Person Coverage Death Benefit Options There are two Death Benefit Options available with the Sagicor Capital Life s International Universal Life Policy. Option 1: pays the Sum Insured or Fund Value, whichever is greater on the death of the life insured. Option 2: pays the Initial Sum Insured plus Fund Value on the death of the life insured. Changes in the Death Benefit Option may be made after the third Policy Anniversary. Evidence of insurability will be required for a change from Option 1 to Option 2. The effective date of the change will be the monthly anniversary following the receipt of the request for change. Only one change per any twelve-month period is allowed.

5 Premiums The initial premium must be paid to put the policy in-force and is due on the effective date. There are no required premium payments other than those needed to keep the policy in-force or to maintain certain benefits. Sagicor Capital Life reserves the right to limit the amount of any increase and the number and amount of planned premium. All premium payments must be in U.S. Dollars and available payment modes include Annual and Semi-Annual. Minimum Guaranteed Interest The minimum guaranteed annual credited interest rate to be applied in the calculation of the Fund is 3%. At no time shall the Fund Value be credited less than the minimum guaranteed interest rate, however, the current interest rate credited may exceed the guaranteed credited interest rate. The credited interest rate will be reviewed monthly and is subject to change. Special Bonus Interest The universal life policy may be eligible for a Special Bonus, or additional interest, during a bonus period defined as the beginning of the 6 th year to the end of the 20 th year. The additional interest will be determined monthly and credited to the policy during the bonus period. The bonus is paid in the form of an additional credited interest rate equal to an annual nominal rate of up to 0.50% in years 6 to 10 inclusive and up to 1.00% in years 11 to 20 inclusive. The guaranteed interest rate will not be increased by the additional interest rate. The Special Bonus shall never be less than zero. Cost of Insurance Rates The rates for the monthly cost of insurance are determined by Sagicor Capital Life based on sex, attained age and rating class of the life insured. Sagicor Capital Life may change the cost of insurance rates but never in excess of the guaranteed maximum cost of insurance rates.

6 Monthly Deduction The monthly deduction from the fund is calculated as the sum of: 1/12 the annual cost of insurance rate multiplied by the net amount at risk plus 1/12 the annual cost of additional riders or benefits, 1/12 the annual per policy administration expense charges. Fund Value The Fund Value on each monthly anniversary is equal to the Fund Value on the preceding monthly anniversary day, plus: any premiums received since the preceding monthly anniversary and; interest credited, less the monthly deductions for the prior policy month, percent of premium administration expense charge, and any partial withdrawals. Surrender and Partial Fund Withdrawal Options The Policy may be surrendered for its Cash Value, less a $100 administrative fee. The policy then terminates. Payment of the surrender value may be deferred for not more than six months of the date of receipt by Sagicor Capital Life. A Partial Fund Withdrawal may be made at any time and requires a $100 administrative fee. The minimum partial withdrawal amount must be $5,000 and the maximum amount is the Cash Value of the Policy, less the administrative fee of $100. If Death Benefit Option 1 is in effect, the Sum Insured will be reduced by the amount withdrawn. Sagicor Capital Life may limit the number of partial withdrawals each year. Payment of the partial withdrawal may be deferred for not more than three months from the date of receipt by Sagicor Capital Life.

7 Increases and Decreases In Death Benefit Amounts The Sum Insured may be increased or decreased by written request subject to the following. Any increase or decrease will become effective on the premium due date that falls on or next, following the receipt of the written request. Any request for a reduction to the Sum Insured may not reduce the Sum Insured below $100,000, if original Sum Insured is between $100,000 and $249,000, or below $250,000 if the original Sum Insured is greater or equal to $250,000. The minimum reduction must be $50,000. Any increase in the Sum Insured is available and any request must be applied for on the Supplemental Application. An increase is subject to evidence of insurability. An increase shall also be subject to the Fund Value being large enough to cover the next monthly deductions. The minimum increase must be $50,000. The Incontestability and Suicide Provisions shall apply to any increase in the Sum Insured for a period of two years commencing from the effective date of the increase. Underwriting Specifications Issue Ages 18 to 75 inclusive. Fully Underwritten. Age is the insured person s age on the birthday nearest the policy effective date. Minimum total Death Benefit for which a policy will be written is $100,000. Underwriting risk classes, Standard Non-Tobacco and Standard Tobacco. Evidence of insurability requirements based on age and requested amounts.

8 Right to Examine Policy (Free Look Period) New policyowners have the right to examine their policy for 30 days beginning from the date of delivery. If the policy is returned to Sagicor Capital Life within that period, for any reason, all premiums will be refunded without penalty and the policy will be considered void from the beginning. Riders It is possible to customize the UL policy by adding other benefits to the policy, also called riders. A rider provides an additional level of benefit in the instance of accidental death, accidental bodily injury or total disability. Riders are subject to additional charges and certain limitations. The available riders include: Accidental Death and Dismemberment Benefit Rider (AD&D). Total Disability Waiver of Charges Rider (TDWC). Accidental Death and Dismemberment Benefit Rider (AD&D) This rider provides for an additional payment in the case of an accidental death or dismemberment. Total Disability Waiver of Charges Rider (TDWC) Upon approval of a claim for total disability, this rider provides for Sagicor Capital Life to waive an amount equal to the sum of the: Monthly cost of insurance charges, Percent of premium administration expense charge, Monthly per policy administration expense charge, Monthly charge for TDWC benefit, Monthly charge for AD&D benefit. This amount will be waived while the total disability continues. Account Details Each year you will be sent a report that provides a full detail of accounting regarding the actual value of the policy, the premiums paid, any withdrawals made on the policy and all charges on each policy anniversary.

9 Want to Know More? Ask your Broker for a free, no obligation, detailed quotation and start planning for your future today! Sagicor Capital Life Insurance Company Sagicor Capital Life Insurance Company is an international life insurance company licensed and regulated by the Bahamas. Acquired by Sagicor Life in 1987, Sagicor Capital Life provides international life insurance to both individuals and groups residing outside of the United States. Sagicor Capital Life Insurance Company is rated A Excellent by the AM Best Company and is a 100% wholly-owned subsidiary of Sagicor Life, Inc. Sagicor Life, Inc. Sagicor Life, Inc. was founded in 1840 as a mutual life insurance company. Over the years the company has prospered and grown. In 2002 the company demutualized and today is the Caribbean s largest insurance and financial services organization with over 1,500 employees and offices in 20 countries including the United States, Panama, Belize and throughout the Caribbean. Sagicor Life offers a wide range of financial services including life and health insurance, annuities, pensions, property and casualty insurance and investment products. Sagicor Life has over US$ 2 billion in assets under management and is rated A Excellent by the AM Best Company.

10 Since 1840 Colorless, Borderless, Timeless. International Insurance Disclosure This brochure is for informational purposes only. Persons who purchase an international individual insurance policy from any Sagicor affiliate must not be U.S. residents at the time of purchase, and must have a permanent address outside the United States to which the initial and all subsequent policies may be delivered. Establishing permanent U.S. residency will cause all coverage under a Sagicor international insurance policy to terminate. Insurance products are available to individuals that meet the requirements for international insurance and may not be sold in certain jurisdictions by Sagicor Capital Life Insurance Company, Ltd. Sagicor and Allnation are registered trademarks. All rights reserved.

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