Credit Ratings- Sagicor

Who We Are

We’ve been a Caribbean financial and insurance company since 1840. But we’ve also spread our operations to other parts of the world, through hard work and good ideas. Learn more about us.

Our Story

Did you know that Sagicor is older than the lightbulb? We have a rich history dating back to 1840. Read our story.

Our Brand

Sagicor’s name comprises two root words: "sage" meaning wise, and "cor" derived from Latin meaning heart or judgement. Click here to learn more about our brand.

Our Companies

Learn about the companies in the Sagicor Group.

Our Values

We believe and lead with our values of being timeless, borderless, and colourless. Learn more about what these values mean to us.

Our Vision

Sagicor's vision is to be a great company, committed to improving the lives of the people in the communities in which we operate. Find out more.

Where we operate

We have operations in the Caribbean, United States, and Latin America. Learn more about where Sagicor does business.

Corporate Social Responsibility

People invest in us, and so we invest in them and the communities they live in. Learn how our company works to improve people’s lives.

Board of Directors

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

Executive Leadership

These are the professionals who represent the senior-most management of our company and guide our strategy. View their profiles.

Governance Architecture

Our Board of Directors has approved the adoption of a group-wide, risk-based, corporate governance architecture, which conforms to best practices around the world.

Board Committees

The four Standing Committees of the Board - Audit; Corporate Governance and Ethics; Compensation and Human Resources and Investment and Risk - play an integral role in the governance process.

Board Mandate

Each Board Committee assists the Board with the proper discharge of its functions by providing an opportunity for more in-depth discussions on areas not reserved specifically for the Board. The mandates of all the Committees comply with best practice.

Business Continuity Management

Sagicor is committed to protecting its employees, clients, and other assets at all times, including during emergencies or significant business disruptions.

Code of Ethics

The code is based on the concept of the moral, ethical and legal obligation owed by Sagicor directors, management, employees, and advisors to various stakeholders.

Reporting Breaches

Consider this our invitation for all employees, advisors, and other interested parties to become familiar with our governance policies and to report breaches or suspected breaches of any corporate policy or other possible fraudulent activity, to our management.

Understanding FATCA

As part of the Foreign Account Tax Compliance Act, Sagicor is required to submit information on its U.S. customers to the U.S. Internal Revenue Service (IRS) or indirectly through domestic authorities.

Annual Reports

You can download a copy of the latest annual report, which details our operations for the past year. You can also view an archive of past annual reports.

Audited Results

Review the latest and past audited results.

Current Quarterly Reports

Our audited financial statements and quarterly financial statements are also available.

Past Quarterly Reports

Our audited financial statements and quarterly financial statements are also available.

Other Regulatory Filings SFC

View Regulatory Notices and Other Regulatory Filings for Sagicor Financial Company Ltd

Other Regulatory Filings

View Regulatory Notices and Other Regulatory Filings for Sagicor Financial Corporation Limited

Shareholder Information

View Shareholder Documents, including Notices and Information related to the Sagicor Alignvest Transaction.

Careers at Sagicor

Learn more about Sagicor’s exciting career options.

Join our Team

Are you interested in working at Sagicor? We’d love to meet you. Find out how to join our team.

Important Notices

Find the latest updates and important notices here.

In the Community

Sagicor is committed to improving the lives of the people in the communities in which we operate. Find out more.

Press Releases

You can access the press releases we prepare for news media, detailing our announcements, and other corporate news, here.

Sagicor In the News

See the latest news stories about Sagicor, published in the media.

Latest Tweets

Follow @SagicorGroup on Twitter to get the latest tweets and updates.

Corporate Social Responsibility

People invest in us, and so we invest in them and the communities they live in. Learn how our company works to improve people’s lives.

Contact Media Relations

Learn how to get in touch with our Communications team.

Annual Reports

You can download a copy of the latest annual report, which details our operations for the past year. You can also view an archive of past annual reports.

Audited Results

Review the latest and past audited results.

Quarterly Reports

Our audited financial statements and quarterly financial statements are also available.

Find a Location

Wish to visit one of our offices? Find your nearest Sagicor location.

Let's talk. Send us your comments, questions, or suggestions using our convenient contact form.

Glossary of Terms

It is important to know and understand insurance and financial terms so that you are informed when it comes to your coverage. Learn the meanings of frequently used terms in our glossary.

Visit Our Blog

Our blog contains articles about a variety of financial topics, learn about insurance, home ownership, investments and even retirement planning.

Credit Ratings

Sagicor Financial Company Ltd, its principal operating subsidiaries the following credit ratings from S&P, DBRS, Fitch, and AM Best.


	S&P^(b)	DBRS ^(d)	Fitch^(c)	A.M. Best ^(a)
Sagicor Financial Company Ltd.
Issuer Credit Rating	BBB	BBB (low)	BBB-	bbb- (Good)
Senior Unsecured	BBB	BBB (low)	BB+	bbb (Good)
ivari
Financial Strength		A (low)	A-	A- u (Excellent)
Issuer Credit Rating				a- u (Excellent)
Sagicor Life Insurance Company USA
Financial Strength		A (low)		A- (Excellent)
Issuer Credit Rating				a- (Excellent)
Sagicor Life Jamaica Limited
Financial Strength				B++ (Good)
Issuer Credit Rating				bbb+ (Good)
Sagicor Life Inc
Financial Strength				A- (Excellent)
Issuer Credit Rating				a- (Excellent)
Sagicor Reinsurance Bermuda Ltd.
Financial Strength				A- (Excellent)
Issuer Credit Rating				a- (Excellent)
Sagicor General Insurance Inc.
Financial Strength				A- (Excellent)
Issuer Credit Rating				a- (Excellent)

Updated November 8, 2023
Updated April 17, 2024
Updated November 7, 2023
Updated October 20, 2023

Current Rating Agency Releases

S&P

SFCL 'BBB' Rating Affirmed Following Revised Capital Model Criteria; Outlook Remains Stable - December 29, 2023

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S & P Global Ratings - Press Release - November 8, 2023

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S & P SFCL Upgraded To 'BBB' From 'BB+' Following Acquisition Of ivari, Outlook Stable - Press Release - October 4, 2023

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S & P SFCL Outlook Revised to Positive from Stable on Proposed Acquisition of ivari - Press Release - August 26, 2022

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S & P SFCL Senior Unsecured Notes Press Release - December 7, 2021

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S & P Ratings Score Snapshot - December 2, 2021

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S & P Global Rating Press Release - November 25, 2020

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S & P Bond Rating Press Release - May 3, 2021

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DBRS

Morningstar DBRS Assigns Issuer Rating of BBB (low) to Sagicor Financial Company Ltd. and Financial Strength Rating of A (low) to its Operating Subsidiaries; Stable Trends

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