Term Life Insurance. Flexi-Term Life and Term-100. International Insurance for Individuals

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1 Term Life Insurance Flexi-Term Life and Term-100 International Insurance for Individuals

2 Sagicor International Flexi-Term Life Insurance A U.S. Dollar International Term Life Insurance Policy Flexi-Term Is Totally Unique Why by a Term Policy with a fix number of years when you can get a Flexi-Term Policy with the exact term to fit your individual needs? Introducing Flexi-Term international term insurance from Sagicor Capital Life Insurance Company. With other insurance companies, you typically have to select from a limited number of term options when purchasing term life insurance, usually 10, 20 or 30 years. This means that you may be paying for insurance that you really don t need. But Flexi-Term is totally unique. Why? With Flexi-Term you determine the policy duration based upon your personal needs. Policy terms can range from 10 years up to 62 years depending on your age. Flexi-Term is the perfect solution whether you have just started a family, are securing a mortgage, or protecting a child s education. Flexi-Term is also a great way to protect your business from creditors or the loss of a key person. Flexi-Term Features A U.S. Dollar Policy insured by a AM Best A Excellent rated company Policy Proceeds Paid in U.S. Dollars Renewable and Convertible Ages of Issue - 18 to 75 inclusive 10 Year Minimum Term (with one year increments available thereafter) 62 Year Maximum Term (depending on age at policy inception) Minimum Coverage - $150,000 Nicotine and Non-Nicotine Rates Preferred and Standard Rates Premium Payment Modes - Annual or Semi-Annual Premium Payments are Guaranteed for the entire Term Conversion Option to a Permanent Plan without Evidence of Insurability 5 years prior to the end of the term or at age 65, whichever comes first 61 Day Grace Period after first Premium Payment helps you keep your coverage in force by providing extra time in the event you forget a premium payment

3 Sagicor International Term-100 Life Insurance A U.S. Dollar International Term to 100 Life Insurance Policy Term Insurance That Is Permanent Protection Making the right decision when purchasing life insurance means finding the right insurance product to fit your unique life situation. Fortunately, there are many options to choose from. A good starting point in determining which life insurance is best suited for you is to figure out how long you will likely need the protection. While protection policies such as a 10 and 20 year term life policy offers protection for the short to mid-term, many people require insurance protection over their entire lifetime. The Term-100 insurance is essentially that, permanent life insurance. Term-100 will protect the holder for his or her lifetime, as long as the premiums are paid on a regular basis. And, since the Term-100 does not provide cash surrender values, it is generally more affordable than typical permanent life insurance as the cash surrender value components are costly. Term-100 Features A U.S. Dollar Policy insured by a AM Best A Excellent rated company Policy Proceeds Paid in U.S. Dollars Ages of Issue - 18 to 75 inclusive Lifetime Protection Minimum Coverage - $250,000 Nicotine and Non-Nicotine Rates Preferred and Standard Rates Three Bands of Premium Rates - with discounts on higher face amounts Premium Payment Modes - Annual or Semi-Annual Premium Payments are Guaranteed for the entire Term 61 Day Grace Period after first Premium Payment helps you keep your coverage in force by providing extra time in the event you forget a premium payment Optional Term Riders Provide Extra Protection Accidental Death & Dismemberment (AD&D) Available for Flexi-Term and Term-100 The Accidental Death & Dismemberment Rider pays an additional death benefit to the beneficiary if the death occurs prior to the anniversary date nearest to the Insured s 60th birthday, and the death was a result of an accident. Also,

4 an additional dismemberment benefit will be paid to the Insured upon suffering any of the losses detailed in the accidental death and dismemberment Schedule of Losses in the Flexi-Term or Term-100 Policy Contract. The minimum benefit for the AD&D Rider is $50,000. The maximum rider benefit can not exceed two times the base policy s face amount or $500,000, whichever is greater. Total Disability Waiver of Premium Rider (TDWP) Available for Flexi-Term and Term-100 The Total Disability Waiver of Premium Rider provides protection if, before age 60, the Insured becomes continuously disable for at least six (6) months, then the premium for the Basic Term Coverage, TDWP Rider, AD&D Rider, Return of Premium Rider, Children s Term Rider and Policy Fee will be waived. During the Insured s continued disability, the company will continue to waive these premiums until the policy anniversary nearest to the Insured s 60th birthday. (Waiving of premium for Riders only apply to the Riders chosen by the Insured). Return of Premium Rider Available for Flexi-Term only The Return of Premium Rider returns 100% of the premiums paid (excluding substandard charges) at the end of the term period if the policy is in force. If the policy terminates (other than by death) before the end of the term period and after the 5th policy anniversary while the rider is in force, a lesser percentage of the premium paid will be returned. A table of Percentage of Premium Returned will be included in the Rider and attached to the base Flexi-Term Policy when the rider is selected. Children Term Rider Available for Flexi-Term only The Children Term Rider provides a level amount of term insurance of $10,000 on any child, stepchild, or legally adopted child of the insured. To be eligible, the child must be 6 months to 17 years of age on the date of application. After this date, any child born to the Insured or legally adopted by the Insured can be added for an additional premium (adopted children must be 17 years of age or younger). Premiums vary by issue age and sex only and are charged per child. There is no maximum number of children that can be covered. The term on this rider is the same as the Insured s. If the Insured dies while this rider is in force, the level term insurance on each child becomes fully paid-up term insurance and will terminate on the child s twenty-fifth (25th) birthday.

5 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.

6 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 Sagicor Capital Life Insurance Company Sagicor is a registered trademark. All rights reserved.

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