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Fixed Indexed Annuity

Sage Accumulator

Sagicor Life Insurance Company

10%

Best Cap

10%

Free W/D

45

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

10% cap on S&P 500

An accumulation-focused fixed indexed annuity from A- rated Sagicor Life with a shorter five-year surrender chassis, built around an S&P 500 annual point-to-point cap plus participation-rate alternatives on the S&P 500 and three iShares ETF-tracking indexes (MSCI EAFE, MSCI Emerging Markets, ESG Aware MSCI USA), with no lifetime-income rider on the filing.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A- rated carrier on a shorter five-year surrender chassis than the FIA norm, want a single contract that can express either a recognizable S&P 500 cap or diversified developed-international and emerging-market participation exposure, and who are not looking for a guaranteed-lifetime-income mechanism inside this contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

45 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10% cap rate

S&P 500

S&P 500 Index

9.9% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

58% participation rate

S&P 500

S&P 500 Index

57.5% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed Account

Fixed Account

4.95% declared rate

Rate varies by premium band.

+ 6 volatility-controlled index options (iShares MSCI, iShares ESG...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Pure accumulation design with no income rider on the filing — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with an income story it cannot deliver.
  • Five-year surrender chassis is shorter than the 7-to-10-year norm for accumulation FIAs, meaning buyers reach unrestricted liquidity faster — useful when the contract is being held for a defined accumulation window rather than a multi-decade deferral.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a participation-rate alternative on the same S&P 500, plus annual point-to-point participation strategies on three iShares ETF-tracking indexes (MSCI EAFE for developed international, MSCI Emerging Markets, and ESG Aware MSCI USA) — so the same contract can express either a like-for-like S&P comparison or a diversified ex-US allocation without changing carriers.
  • Standard accumulation liquidity package is built in — the contract's annual free-withdrawal allowance plus nursing-home, terminal-illness, and required-minimum-distribution surrender waivers — without an optional rider charge.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch Sage Accumulator as a guaranteed lifetime payout product — buyers who need contractually guaranteed lifetime withdrawals should be comparing income-focused FIAs, not this filing.
  • First-year surrender charge is comparatively heavy and the ladder stays steep across the five-year window — even though the surrender period itself is shorter than peers, an early surrender inside that window costs more than a typical 10-year ladder at the same point. Read the live surrender-charge schedule before sizing the contract.
  • Filed in 45 jurisdictions — the contract is NOT available in New York, Alaska, Connecticut, Maine, Montana, or Vermont. Confirm state availability before recommending to buyers in any of those six states.
  • The international-exposure index strategies (iShares MSCI EAFE, Emerging Markets, ESG MSCI USA) use ETF-tracking indexes whose participation rates can be quoted at headline-friendly levels but track underlying markets that behave very differently from the S&P 500. Each strategy has to be evaluated on its own historical behavior — they are not interchangeable allocations.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no income rider on this filing — look at an income-focused FIA instead), buyers who want a long deferral with a 10-year surrender ladder rather than a five-year chassis, or residents of New York, Alaska, Connecticut, Maine, Montana, or Vermont where this contract is not filed.

All crediting strategies

View rate listings (12 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 66% · 1-yr

iShares MSCI EAFE ETF

participation

5-yr surrender$75,000+

Par: 59% · 1-yr

iShares MSCI Emerging Markets ETF

participation

5-yr surrender$75,000+

Par: 58% · 1-yr

S&P 500 Index

participation

5-yr surrender$75,000+

Par: 53% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

5-yr surrender$75,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

5-yr surrender$75,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

5-yr surrender$75,000+

Par: 65.5% · 1-yr

iShares MSCI EAFE ETF

$75,000+

Par: 58.5% · 1-yr

iShares MSCI Emerging Markets ETF

$75,000+

Par: 57.5% · 1-yr

S&P 500 Index

$75,000+

Par: 52.5% · 1-yr

iShares ESG Aware MSCI USA ETF

$75,000+

Cap: 9.9% · 1-yr

S&P 500 Index

$75,000+

Fixed: 4.95% · 1-yr

Fixed Account

$75,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Sage Accumulator Client Guide.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Sage Accumulator currently shows 12 indexed or fixed crediting options, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10% cap
  • S&P 500 Index: 9.9% cap
  • S&P 500 Index: 58% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Sage Accumulator Client Guide.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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