No Lapse Universal Life Product Guide PLATINUM SERIES

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1 PLATINUM SERIES No Lapse Universal Life Product Guide For Producer Use Only. Not for Public Distribution. Sagicor Life Insurance Company is Rated A- (Excellent) by A.M. Best Company 4179 S

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3 TABLE OF CONTENTS 1 Platinum Series No Lapse Universal Life Description 1 Death Benefit Options 3 Guaranteed Interest Rate 3 Loans 3 Preferred Loans 3 Withdrawals 3-4 Surrender Charges 5-6 Optional Riders - Accelerated Benefit Insurance Rider (inherent rider), Children s Term Rider, Accidental Death Benefit Rider, Waiver of Monthly Deductions Rider 7 Financial Underwriting 8 Approved Paramedical Companies 9-10 Simplified Underwriting Requirements and Full Underwriting Requirements Underwriting Class Requirements Build Charts Note: This Product Guide is intended only to provide a summary of this product. 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.

4 PLATINUM SERIES NO LAPSE UNIVERSAL LIFE Description The Platinum Series No Lapse Universal Life is a competitivelydesigned, flexible-premium, universal life insurance policy that provides affordable insurance coverage for life Designed with built-in lapse protection it also offers the option to Dial In a specific period of death benefit protection for enhanced planning flexibility. Issue Ages 15 Days to 90 Years (age last birthday) Minimum Face Amount $25,000 (no maximum) Death Benefit $25,000 - $75,000 - Simplified Underwriting Risk Classes Issue Ages Standard Non-Tobacco (18-75) Standard Tobacco (18-75) Juvenile (15 days - 17 years) Death Benefit $75,001 and over - Full Underwriting Risk Classes Issue Ages Super Preferred Non-Tobacco (18-75) Preferred Non-Tobacco (18-80) Standard Non-Tobacco (18-90) Preferred Tobacco (18-80) Standard Tobacco (18-90) Underwriting $25,000 - $75,000 are Simplified Issue Standard through Table 4; $75,001 and greater are fully underwritten. Substandard rating available. Maximum table rating is Table 16. Maximum flat extra rating is $20 per thousand of Net Amount at Risk, lasting no more than twenty (20) years. 1

5 Death Benefit Options While the Policy is in force, there are two Death Benefit Options available. Option A - Level Death Benefit Option B - Increasing Death Benefit No Lapse Guarantee The Policy is guaranteed to remain in force during the first 5 policy years if the total premium paid less withdrawals and indebtedness is at least equal to the cumulative Monthly No Lapse Premium required. After the the first 5 years, the Policy is guaranteed to remain in force if the No Lapse Guarantee Value minus any indebtedness is greater than zero. No Lapse Monthly Premium For any period prior to the No Lapse Guarantee Expiration Date, the Policy is guaranteed to remain in force if the sum of all Premium paid, less Partial Withdrawals and Indebtedness, is greater than or equal to the cumulative No Lapse Monthly Premium for the first five years. If a requested increase in the Face Amount is approved or if any Riders are added prior to the No Lapse Guarantee Expiration Date, then the No Lapse Monthly Premium will be recalculated to reflect the increase in Face Amount or and added Riders. Decreases in Face Amount and/or cancelling Riders will have no impact on the No Lapse Monthly Premium. 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 at no additional cost) Children s Term Rider (additional charge) Accidental Death Benefit Rider (additional charge) Waiver of Monthly Deductions Rider (additional charge) 2

6 Guaranteed Interest Rate There is a Minimum Guaranteed Interest Rate of 2.5% annually over the lifetime of the Policy. Loans Loans are allowed any time after the Policy has a Cash Value. The Policy Loan interest is 6% in arrears. The Maximum Loan Amount equals the Cash Surrender Value minus the anticipated Cost of Insurance Charges, Rider Charges, Administrative Charges, Policy Expense Charges and loan interest on the Indebtedness from the date of the loan to the next Policy Anniversary. Preferred Loans After the Policy has been in force for ten (10) years, the amount of any Indebtedness up to the amount of interest earned in the Policy will be charged interest at a rate that will be equal to the Guaranteed Annual Interest Rate. Withdrawals Partial Withdrawals are allowed after the first Policy year. One Partial Withdrawal is allowed during each Policy year after the first year. There is a $25 service fee for each Partial Withdrawal taken. The maximum Partial Withdrawal is the Net Surrender Value less $500. The minimum Partial Withdrawal plus service fee must be at least $500. If Death Benefit Option A is selected, a Partial Withdrawal will reduce the Face Amount by the amount of the Partial Withdrawal. Surrender Charges A Surrender Charge will apply if the Policy is surrendered during the first twenty (20) Policy Years. The Surrender Charge is equal to the factor shown in the Surrender Charge Factor Table on the Policy Data Page multiplied by the Face Amount per $1,000. If the Face Amount is increased, then there will be a new Surrender Charge Factor Table associated with that increase. 3

7 EXAMPLE: Male Age 35 Non-Tobacco (Surrender Charge Factor Table Per 1,000 Face Amount) Contract Year Surrender Charge

8 ACCELERATED BENEFIT INSURANCE RIDER Inherent Rider, included at no additional cost. This Rider advances a portion of the Eligible Death Benefit Proceeds if eligibility requirements are satisfied for the Terminal Condition. (Rider varies by state) Terminal Condition, as used in this Rider, means that an imminent death is expected as a result of a non-correctable medical condition that with reasonable certainty will result in a drastically limited life span of 12 months or less of the Insured. Upon certification by a Licensed Physician that the Insured has been diagnosed with a Terminal Condition, as defined in the Rider, the Insured may elect to accelerate any portion of the Accelerated Benefit Amount. The Administrative Fee 1 will be deducted from the amount elected and the remainder will be paid in a lump sum. Minimum Benefit: $5,000 Maximum Benefit: The lesser of $250,000 or an amount equal to the Death Benefit minus $25,000. CHILDREN S TERM RIDER For an additional charge, this Rider provides level term life insurance for all eligible children. At the end of the term period the benefit may be converted up to 5 times the original amount. Not available for both the Base Policy and the Spousal Policy - can only be on one. Issue Ages: 15 Days through 19 Years (each child s coverage will terminate at the earlier of their attained age 25 or date of marriage). Minimum Face Amount: $2,000 Maximum Face Amount: $20,000 Rider Charge: 53 cents per $1,000 monthly charge Conversion Option Available 1 As used in this Rider, means a one time charge equaling the lesser of $250 or the maximum allowed by law in the state which this Policy was issued. 5

9 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. Issue Ages: 18 to 60 Years (terminates at age 70) Minimum Death Benefit: $25,000 Maximum Death Benefit: The lesser of the Base Face Amount and $250,000 Rider Charge: 12 cents per month, per $1,000 WAIVER OF MONTHLY DEDUCTIONS RIDER For an additional charge, this Rider provides for the waiver of the monthly deductions 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 monthly deductions for the Policy and any attached Riders until We receive, in writing, proof of your claim. When We receive proof, any monthly deductions that are eligible to be waived will be waived. Issue Ages: 18 to 55 Years (terminates at age 65) 6

10 FINANCIAL UNDERWRITING Establishing the Economic Value of Human Life is an important part of the underwriting process. The following information will help you in preparing and presenting cases and will help us determine life insurance needs. Required Financial Data Financial information is required on applications with an amount in excess of $1,000,000. We may request financial information for smaller amounts. To expedite underwriting, some examples of helpful financial data are as follows: Financial Signed Personal Balance Sheet Signed Financial Statements Signed Financial Questionnaire Audited Financials Estate Estate Tax Calculations Business Corporate Balance Sheets 7

11 APPROVED PARAMEDICAL COMPANIES Sagicor Life Insurance Company ( Sagicor ) will be responsible for ordering all medical requirements and will process the order within 48 hours 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 Portamedic ExamOne Superior Mobile Medics APPROVED LAB COMPANY CRL Clinical Reference Lab LabOne Heritage Labs

12 SIMPLIFIED UNDERWRITING REQUIREMENTS Face Amount 1 15 Days through 17 Years 18 Years through 75 Years $25,000 - $75,000 A A FULL UNDERWRITING REQUIREMENTS 2 Face Amount 1 18 Years through 65 Years 66 Years through 90 Years $75,001 - $249,999 B C $250,000 - $499,999 B C $500,000 - $999,999 B D Face Amount 1 18 Years through 50 Years 51 Years through 65 Years 66 Years through 90 Years $1,000,000 - $1,999,999 E F G Face Amount 1 18 Years through 90 Years $2,000,000 - Over G 9

13 A - Non-Medical B - Paramed Exam, HOS, BCP, MVR C - Paramed Exam, HOS, BCP, MVR, APS D - Paramed Exam, HOS, BCP, MVR, APS, EKG E - Medical Doctor Exam, HOS, BCP, MVR, FQ F - Medical Doctor Exam, HOS, BCP, MVR, FQ, APS, EKG G - Medical Doctor Exam, HOS, BCP, MVR, FQ, APS, EKG, ICR Abbreviations and Descriptions APS - Attending Physician s Statement BCP - Blood Chemistry Profile EKG - Electrocardiogram FQ - Financial Questionnaire HOS - Home Office Specimen ICR - Investigative Consumer Report MVR - Motor Vehicle Record 1 MIB and Intelliscript required on all applicants. 2 Additional requirements and studies such as an EKG, Treadmill, APS, Interview and/or Investigative Consumer Report may be requested at the discretion of the Underwriter at any age and any amount. 10

14 UNDERWRITING CLASS REQUIREMENTS NON TOBACCO There are 3 underwriting classifications available: Super Preferred Non-Tobacco, Preferred Non-Tobacco and Standard Non-Tobacco. SUPER PREFERRED PREFERRED STANDARD* Tobacco Use: None in 5 yrs None in 3 yrs None in 2 yrs Cholesterol: 220, Ratio , Ratio 6.0 Blood Pressure: 135/85 up to age /85 ages /90 Build: Build Chart A Build Chart B Build Chart C Medical History: No Stroke, Heart Attack, Cancer (except Basal & Squamous cell skin cancers), Diabetes or ratable diseases No Stroke, Heart Attack, Cancer (except Basal & Squamous cell skin cancers), Diabetes or ratable diseases Depends on History Developed Alcohol / Drugs: No History No history in 10 yrs Depends on History Developed Driving Violations: No DWI in last 10 years. No more than 1 in the past 2 years No DWI in last 5 years. No more than 2 in the past 3 years Depends on History Developed Hazardous Sports Occupations: None Not ratable Aviation: No private Not ratable US or Canadian Citizen: Must Visa or Green Card Visa or Green Card Travel to Hazardous Areas: No No Individual Consideration Family History: No deaths or diagnosis from Stroke, Heart Attack, cancer (except Basal and Squamous cell skin cancers) or Diabetes in parent or sibling prior to age 60 No deaths or diagnosis from Stroke, Heart Attack, cancer (except Basal and Squamous cell skin cancers) or Diabetes in parent or sibling prior to age 60 * Will not qualify as Standard Issue with ratable medical condition 11

15 UNDERWRITING CLASS REQUIREMENTS TOBACCO There are 2 underwriting classifications available: Preferred Tobacco and Standard Tobacco. Tobacco Use: PREFERRED Present use OK STANDARD* Cholesterol: 240, Ratio 6.0 Blood Pressure: 140/90 Build: Build Chart B Build Chart C Medical History: Alcohol/Drugs: No Stroke, Heart Attack, Cancer (except Basal & Squamous cell skin cancers), Diabetes or ratable diseases No history in 10 years Depends on History Developed Depends on History Developed Driving Violations: No more than 2 in the past 3 years Depends on History Developed Hazardous Sports Occupations: Not ratable Aviation: US or Canadian Citizen: Travel to Hazardous Areas: Not ratable Visa or Green Card No Visa or Green Card Individual Consideration Family History: No deaths or diagnosis from Stroke, Heart Attack, cancer (except Basal and Squamous cell skin cancers) or Diabetes in parent or sibling prior to age 60 * Will not qualify as Standard Issue with ratable medical condition 12

16 Height Male/Female Minimum Weight BUILD CHART A Super Preferred Male Maximum Weight Female Maximum Weight

17 Height Male/Female Minimum Weight BUILD CHART B Preferred Male Maximum Weight Female Maximum Weight

18 BUILD CHART C Standard Height Male Weight Female Weight

19 NOTES 16

20 SAGICOR LIFE INSURANCE COMPANY 4343 N SCOTTSDALE ROAD, SUITE 300 SCOTTSDALE, AZ POLICYHOLDER SERVICES (888) FAX (480) PRODUCER RESOURCE CENTER (888) Opt. 2 FAX (800)

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