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Submitted URL:
http://www.sagicorlifeusa.com/
Effective URL:
https://www.sagicor.com/en-us
Submission Tags: falconsandbox
Submission: On March 16 via api (March 16th 2023, 4:39:59 pm UTC) from US — Scanned from DE

Form analysis
5 forms found in the DOM

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Text Content

Cookie Policy
By continuing to use this site, or by clicking "I Accept", you acknowledge and
agree to this website's use of cookies to track performance and analytics, and
that it may use cookies for other purposes as described in Sagicor's Privacy
Statement. Learn more
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Use Website In a Screen-Reader Mode
Skip to Content
↵ENTER
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↵ENTER
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skip to main content
* About Sagicor
* Who We Are
* Our Companies
* Leadership
* What's New with Sagicor?
* Careers

WHO WE ARE

Vision and Values

Learn more about what makes Sagicor who we are, and why we do what we do.

Our Brand

Our reputation has been carefully cultivated to be synonymous with integrity
and quality. Learn more about our colors, logo and history.

OUR COMPANIES

Sagicor Life Insurance Company

Operating on a solid tradition of trust in America since 1954, Sagicor Life
Insurance Company is a vibrant arm of a much larger whole. Find out more.

Sagicor Financial Company Limited

Our international parent company has been operating successfully for over 180
years. Find out why.

LEADERSHIP

Board of Directors

These individuals guide our company and move us forward. Get to know them.

Senior Management

These professionals are the senior-most leaders of our company and administer
our day-to-day operations. View their profiles.

WHAT'S NEW WITH SAGICOR?

In the Community

Our employees commit to countless fundraisers, volunteer work and much more.
Why? Because when our communities thrive, so do we.

News Room

Press releases, financial statements and general media appearances.

Testimonials

What clients and beneficiaries have to say about us and our services.

CAREERS

Independent Producer Opportunity

Learn more about being appointed as a Sagicor Independent Producer.

Non-Sales Opportunities

We’re always looking for new talent. Learn more about our available
positions.

* Product Solutions
* Life Insurance
* Annuities
* Crediting Strategies

LIFE INSURANCE

Sagicor's WealthCare Indexed Single Premium Universal Life

If you want to create a legacy, but are concerned about what the future may
bring, choose a policy that puts you in control — whether you want to pass on
wealth, need care, or get a full return of premium.

Sage Indexed Universal Life

Diversify your portfolio with a tax-efficient product that can provide a
tax-free resource to supplement your retirement income, pay college tuitions,
and help you accomplish future goals.

Sage Whole Life

Like the idea of guaranteed lifetime protection, guaranteed cash
accumulation, a guaranteed fixed premium, and access to funds if you need
them? Consider this policy.

ANNUITIES

Milestone MYGA Single Premium Deferred Fixed Annuity

Want to earn more for your retirement savings? Find competitive guaranteed
fixed rates with principal protection and no market risk.

Sage Choice Single Premium Deferred Annuity

Approaching retirement? Help increase your income potential with a product
that provides tax-deferred growth, a competitive fixed interest rate and
principal protection.

Single Premium Immediate Annuity

Ready to retire? Choose your income payout schedule and feel financially
secure with a guaranteed income stream and no market risk.

CREDITING STRATEGIES

DIVERSE INTEREST CREDITING STRATEGIES

Sagicor's indexed life insurance and fixed indexed annuities offer
tax-deferred growth opportunities linked to your choice of interest crediting
strategies.

STRATEGIES LINKED TO iSHARES® ETFS FROM BLACKROCK®

Global and environmental, social and governance (ESG) opportunities with
strategies linked to iShares ETFs from BlackRock.

STRATEGIES LINKED TO THE S&P 500® INDEX

U.S. opportunities with strategies linked to the single best benchmark of
large-cap U.S. stocks.

A STRATEGY WITH A FIXED RATE OF INTEREST

The Declared Rate Strategy, offering a guaranteed minimum fixed rate.

* Contact Us
* FAQs
* Get in Touch with Us
* Service Forms
* Upload Center

FAQS

Client Services FAQ

Answers to frequently asked questions from our clients.

Claims Department FAQ

Learn how to report and file a death claim.

GET IN TOUCH WITH US

Call or Email Us

Get in touch with the right department.

SERVICE FORMS

Client Service Forms

Various client service forms for your convenience.

UPLOAD CENTER

Client Services

The Client Services Department is responsible for responding to all inquiries
on in-force policies.

Underwriting

The Underwriting Department is responsible for reviewing applications and the
client's medical history.

Producer Upload Center

Producer Upload Center – Access to the Producer - Application Verification,
Client Services & Underwriting

* Login
* Quick Links

QUICK LINKS

Client Portal

Access and make changes to your policy online.

Producer Portal

Documents and resources for our agents.

I am looking for..
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Welcome

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SIGNUP

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SELECT REGION & LANGUAGE

Select Any Country
Sagicor Global Site Antigua and Barbuda Aruba Barbados Belize Curacao Dominica
Grenada Jamaica Panama St. Kitts and Nevis St Lucia St. Vincent and the
Grenadines Trinidad and Tobago USA
USA
Sagicor Global SiteAntigua and
BarbudaArubaBarbadosBelizeCuracaoDominicaGrenadaJamaicaPanamaSt. Kitts and
NevisSt LuciaSt. Vincent and the GrenadinesTrinidad and TobagoUSA

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MARCH INTO RETIREMENT
WITH CONFIDENCE

SEE HOW MILESTONE MYGA CAN HELP
Investor Portal

testimonials

CLIENT SERVICES FAQ

makeClaim

CLAIMS DEPARTMENT FAQ

profile

ABOUT SAGICOR

Sagicor Life Insurance Company (Sagicor) is in the business of helping families,
friends and neighbors protect their loved ones by providing expert advice,
quality life and annuity products, and excellent customer service. Our
overarching vision embodies who we are as a company, and we are deeply committed
to enhancing the lives of the people in the communities in which we operate.

Sagicor Life Insurance is our promise to families, a testament to the
friendships we build, and the understanding between our neighbors. By protecting
the people within our communities, we’re able to help improve their lives. What
we provide isn’t just life insurance — it’s also knowing that the ambitions and
dreams we have for the ones we love most will always be valued and protected.

A HISTORY OF TRUSTWORTHINESS SINCE 1954

Sagicor Life Insurance Company (Sagicor) is a full-service life insurance
company that is licensed in 45 states, plus the District of Columbia. Sagicor is
rated “A-” (Excellent) by A.M. Best Company (4th best out of 16 possible
ratings), affirmed as of November 4, 2021. This rating is based on Sagicor’s
financial strength and ability to meet its ongoing obligations.

Who We Are
Contact Us
* Client Services FAQ
* Claims Dept. FAQ
* Call/Email Us

About Sagicor
* Who We Are
* Our Companies
* Leadership
* Careers

Product Solutions
* Life Insurance
* Annuities

What's New with Sagicor
* Client Testimonials
* In the Community
* News Room

Quick Links
* Client Portal
* Producer Portal

* Terms and Conditions
* Privacy Information
* Legal Disclosures
* Crediting Strategy Disclosures

* Anti-Money Laundering Policy
* Fraud/Other Wrongdoing Reporting

Products issued by Sagicor Life Insurance Company. Home Office: Scottsdale, AZ.
Products not available in all states, and state variations may apply. Sagicor
does not provide tax or estate planning advice. You should consult with your tax
advisor(s). Annuities and life insurance products have limitations and
restrictions, including surrender charges. Sagicor issues other fixed annuities
and life insurance products with similar features, benefits, limitations and
restrictions. Contact Sagicor for more information.

Sagicor is rated “A-” (Excellent) by A.M. Best Company (4th best out of 16
possible ratings), affirmed as of November 4, 2021. Rating and guarantees based
on the claims-paying ability of Sagicor Life Insurance Company.

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English
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Seizure Safe Profile Clear flashes & reduces color
This profile enables epileptic and seizure prone users to browse safely by
eliminating the risk of seizures that result from flashing or blinking
animations and risky color combinations.
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Vision Impaired Profile Enhances website's visuals
This profile adjusts the website, so that it is accessible to the majority of
visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract,
Glaucoma, and others.
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ADHD Friendly Profile More focus & fewer distractions
This profile significantly reduces distractions, to help people with ADHD and
Neurodevelopmental disorders browse, read, and focus on the essential elements
of the website more easily.
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Cognitive Disability Profile Assists with reading & focusing
This profile provides various assistive features to help users with cognitive
disabilities such as Autism, Dyslexia, CVA, and others, to focus on the
essential elements of the website more easily.
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Keyboard Navigation (Motor) Use website with the keyboard
This profile enables motor-impaired persons to operate the website using the
keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such
as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics)
to jump to specific elements.

Note: This profile prompts automatically for keyboard users.
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Blind Users (Screen Reader) Optimize website for screen-readers
This profile adjusts the website to be compatible with screen-readers such as
JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software that is
installed on the blind user’s computer and smartphone, and websites should
ensure compatibility with it.

Note: This profile prompts automatically to screen-readers.
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Accessibility StatementCompliance status

We firmly believe that the internet should be available and accessible to anyone
and are committed to providing a website that is accessible to the broadest
possible audience, regardless of ability.

To fulfill this, we aim to adhere as strictly as possible to the World Wide Web
Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA
level. These guidelines explain how to make web content accessible to people
with a wide array of disabilities. Complying with those guidelines helps us
ensure that the website is accessible to blind people, people with motor
impairments, visual impairment, cognitive disabilities, and more.

This website utilizes various technologies that are meant to make it as
accessible as possible at all times. We utilize an accessibility interface that
allows persons with specific disabilities to adjust the website’s UI (user
interface) and design it to their personal needs.

Additionally, the website utilizes an AI-based application that runs in the
background and optimizes its accessibility level constantly. This application
remediates the website’s HTML, adapts its functionality and behavior for
screen-readers used by blind users, and for keyboard functions used by
individuals with motor impairments.

If you wish to contact the website’s owner please use the website's form

Screen-reader and keyboard navigation

Our website implements the ARIA attributes (Accessible Rich Internet
Applications) technique, alongside various behavioral changes, to ensure blind
users visiting with screen-readers can read, comprehend, and enjoy the website’s
functions. As soon as a user with a screen-reader enters your site, they
immediately receive a prompt to enter the Screen-Reader Profile so they can
browse and operate your site effectively. Here’s how our website covers some of
the most important screen-reader requirements:

1. Screen-reader optimization: we run a process that learns the website’s
components from top to bottom, to ensure ongoing compliance even when
updating the website. In this process, we provide screen-readers with
meaningful data using the ARIA set of attributes. For example, we provide
accurate form labels; descriptions for actionable icons (social media icons,
search icons, cart icons, etc.); validation guidance for form inputs;
element roles such as buttons, menus, modal dialogues (popups), and others.

Additionally, the background process scans all of the website’s images. It
provides an accurate and meaningful image-object-recognition-based
description as an ALT (alternate text) tag for images that are not
described. It will also extract texts embedded within the image using an OCR
(optical character recognition) technology. To turn on screen-reader
adjustments at any time, users need only to press the Alt+1 keyboard
combination. Screen-reader users also get automatic announcements to turn
the Screen-reader mode on as soon as they enter the website.

These adjustments are compatible with popular screen readers such as JAWS,
NVDA, VoiceOver, and TalkBack.

2. Keyboard navigation optimization: The background process also adjusts the
website’s HTML and adds various behaviors using JavaScript code to make the
website operable by the keyboard. This includes the ability to navigate the
website using the Tab and Shift+Tab keys, operate dropdowns with the arrow
keys, close them with Esc, trigger buttons and links using the Enter key,
navigate between radio and checkbox elements using the arrow keys, and fill
them in with the Spacebar or Enter key.

Additionally, keyboard users will find content-skip menus available at any
time by clicking Alt+2, or as the first element of the site while navigating
with the keyboard. The background process also handles triggered popups by
moving the keyboard focus towards them as soon as they appear, not allowing
the focus to drift outside.

Users can also use shortcuts such as “M” (menus), “H” (headings), “F”
(forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

Disability profiles supported on our website
* Epilepsy Safe Profile: this profile enables people with epilepsy to safely
use the website by eliminating the risk of seizures resulting from flashing
or blinking animations and risky color combinations.
* Vision Impaired Profile: this profile adjusts the website so that it is
accessible to the majority of visual impairments such as Degrading Eyesight,
Tunnel Vision, Cataract, Glaucoma, and others.
* Cognitive Disability Profile: this profile provides various assistive
features to help users with cognitive disabilities such as Autism, Dyslexia,
CVA, and others, to focus on the essential elements more easily.
* ADHD Friendly Profile: this profile significantly reduces distractions and
noise to help people with ADHD, and Neurodevelopmental disorders browse,
read, and focus on the essential elements more easily.
* Blind Users Profile (Screen-readers): this profile adjusts the website to be
compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A
screen-reader is installed on the blind user’s computer, and this site is
compatible with it.
* Keyboard Navigation Profile (Motor-Impaired): this profile enables
motor-impaired persons to operate the website using the keyboard Tab,
Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M”
(menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to
jump to specific elements.

Additional UI, design, and readability adjustments
1. Font adjustments – users can increase and decrease its size, change its
family (type), adjust the spacing, alignment, line height, and more.
2. Color adjustments – users can select various color contrast profiles such as
light, dark, inverted, and monochrome. Additionally, users can swap color
schemes of titles, texts, and backgrounds with over seven different coloring
options.
3. Animations – epileptic users can stop all running animations with the click
of a button. Animations controlled by the interface include videos, GIFs,
and CSS flashing transitions.
4. Content highlighting – users can choose to emphasize essential elements such
as links and titles. They can also choose to highlight focused or hovered
elements only.
5. Audio muting – users with hearing devices may experience headaches or other
issues due to automatic audio playing. This option lets users mute the
entire website instantly.
6. Cognitive disorders – we utilize a search engine linked to Wikipedia and
Wiktionary, allowing people with cognitive disorders to decipher meanings of
phrases, initials, slang, and others.
7. Additional functions – we allow users to change cursor color and size, use a
printing mode, enable a virtual keyboard, and many other functions.

Assistive technology and browser compatibility

We aim to support as many browsers and assistive technologies as possible, so
our users can choose the best fitting tools for them, with as few limitations as
possible. Therefore, we have worked very hard to be able to support all major
systems that comprise over 95% of the user market share, including Google
Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA
(screen readers), both for Windows and MAC users.

Notes, comments, and feedback

Despite our very best efforts to allow anybody to adjust the website to their
needs, there may still be pages or sections that are not fully accessible, are
in the process of becoming accessible, or are lacking an adequate technological
solution to make them accessible. Still, we are continually improving our
accessibility, adding, updating, improving its options and features, and
developing and adopting new technologies. All this is meant to reach the optimal
level of accessibility following technological advancements. If you wish to
contact the website’s owner, please use the website's form

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