How does inflation impact my retirement income needs?- Sagicor

Our Brand

The name Sagicor is a combination of two words, "Sage" meaning wise and "Cor" for heart or judgement.

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".

Our Values

We strongly believe in Sagicor's values of being a Timeless, Borderless, and Colourless entity.

Corporate Social Responsibility

Learn how Sagicor works to improve the lives of the people in the communities in which it operates.

Customer Testimonials

Read what our valued customers have to say about us.

Sagicor Bank (Barbados) Limited

Sagicor Bank is leading the digital banking revolution by boldly presenting banking options that are easy-to-get, simple-to-use, safe, secure and rewarding. We are a dynamic, digital-first commercial bank focused on ensuring your financial health is A-grade.

Sagicor General Insurance Inc

We at Sagicor General pride ourselves on delivering the best possible insurance protection for home, vehicle, commercial, and travel. We are one of the longest-running general insurance companies operating in the Caribbean, and excel in efficiency, excellent customer service, and settling claims quickly.

Sagicor Life Inc

What began as the Barbados Mutual Life Assurance Society, is now the leading regional provider of financial services, operating in 17 countries in the English and Dutch-speaking Caribbean and Latin America. We’re the leader because we place our customers first, serving them with dedication, passion, and care.

Sagicor Financial Company Ltd

Sagicor has been in business since 1840 and our longevity can be attributed to our savvy business practices and skill in creating shareholder value. As the second-oldest insurer in the Americas, we’ve learned a thing or two about being successful. Nested within this corporation are our other companies.

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.

Sagicor Life Inc Management Team

Want to learn more about the executives responsible for Sagicor Life Inc? Here’s everything you need to know.

Sagicor General Insurance Inc Management Team

We’d like to introduce you to the executive management team of Sagicor General Insurance Inc.

Barbados Segregated Fund Reports

View the latest and archived financial reports for the Barbados Segregated Fund.

Sagicor International Balanced Fund Reports

View the latest and archived financial reports for the Sagicor International Balanced Fund.

Sagicor General Financial Reports

View the latest and archived SGI financial reports.

Sagicor Life Inc Financial Reports

View the latest and archived SLI financial reports.

Corporate 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.

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 Policy

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 open invitation to 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 US customers to the US Internal Revenue Service (IRS) or indirectly through domestic authorities.

Accident Insurance

Accidents can happen anywhere, anytime and affect the quality of life you enjoy. Our coverage includes loss or damage during a burglary, transporting money, mortgage indemnity, jewelry, travel and more.

Health Insurance

When you have access to the best healthcare available, even though you may not need it, it means you and your family can get busy living life to the fullest.

Liability Insurance

Liability insurance provides a person with protection against claims resulting from injuries and damage to people and/or property.

Life Insurance

The thought of knowing your family and loved ones are safe, even if you are no longer around, gives you a peace of mind that can’t be underestimated. And because every person’s life and needs are different, we have products that can suit you at any stage of your life.

Marine Insurance

Your private boat is considered one of your most valuable possessions. This is important for you and your family, especially on those much needed getaways. Our coverage protects your yacht or pleasure boat from any unforeseen circumstances.

Motor Insurance

No question, owning a vehicle brings freedom and enhances your life. But in the event of a collision, you need someone to take care of things. Proper insurance can protect you, your vehicle, or any damage or loss as a result of an accident.

Travel Insurance

From a once-in-a-lifetime trip to the Australian Outback to a pleasure craft cruise off the Grenadines, rest assured that Sagicor General’s Travel Insurance has you covered.

Property Insurance

Your home is a valuable asset—after all, it’s where you and your family live. In the event of a fire, natural disaster, or theft of your possessions, it’s a great comfort to know they can be replaced.

Bulkeley Heights

In a tranquil setting just a short distance from downtown, Bulkeley Heights is a unique and practical neighbourhood and an affordable lifestyle opportunity.

Home Equity Financing

If you have a large expense, like a renovation coming up, you don’t need to save for it; with Home Equity Financing you already have. Your home has value that is available to you.

Residential Land Loans

You have a dream home in your mind’s eye, and the perfect land to build it on—your little slice of heaven. We have the means to make that parcel of land yours, and to make that dream a reality.

Residential Mortgages

It’s the most significant purchase you’re likely to ever make. But owning your own home also brings a sense of security to you and your family. Sagicor helps you achieve that.

Equity Trading

You know you should take charge of your financial future. But trading stocks can be daunting to the newcomer or the curious. Take heart—you don’t need much to begin. We can help you achieve your financial goals.

Fixed Income Trading

Fixed income gives you greater stability to your portfolio. We can help you add existing government or corporate bonds to your investments.

Investment Management

You deserve the one-on-one, personal assistance only a portfolio manager can bring. It also includes access to our wealth management services, plus trustee, directorial, and staff sessions for corporate clients.

Global Balanced Fund

Invest in local, regional, and even international shares, stocks, and bonds, through the first Barbados-based global fund.

Preferred Income Fund

Fixed income securities and preferred shares, both regionally and internationally, are featured in this investment.

Sagicor Renewable Energy Fund

This fund focuses on green investments with an emphasis on renewable energy as well as other socially responsible investment opportunities, which are typically dominated by privately held interests.

Select Growth Fund

Do you desire long-term growth from being more fully invested in stocks and greater exposure to world markets? Then this is the fund for you.

Bulkeley Heights

In a tranquil setting just a short distance from downtown, Bulkeley Heights is a unique and practical neighbourhood and an affordable lifestyle opportunity.

Carmichael Crescent

The island’s newest land development is centrally located in Carmichael, St. George, minutes away from numerous amenities. This development offers beautiful country views of the St. George Valley.

The Estates at St George

Live Where You Love. Introducing elegant new apartment homes for your active and independent life.

Millennium Saver

A plan that motivates you to save more can also prepare you more for retirement. And with just a little sacrifice over the long term, your retirement picture gets better and better. Stop working. Start living.

Registered Retirement Savings Plan

Whether around the corner or in 20 years, your retirement should create feelings of eager anticipation—not anxiety. Ensure a stable, comfortable future for you and your family.

Single Premium Annuity

When it comes to guaranteed retirement income and taking advantage of income tax benefits for older persons, and you have a lump sum of money at your disposal, Sagicor can help you.

The Estates at St George

Live Where You Love. Introducing elegant new apartment homes for your active and independent life.

Accident Insurance

At your business, or on the road, accidents can happen any moment. Protecting your business from damage or loss is paramount to the continuity of any business entity.

Bonds Insurance

We offer various types of bonds namely Bid/Tender, Performance, Custom and Advance Payments Bonds. Bonds are not insurance policies in the true sense of the word but financial guarantees.

Group Life and Health Insurance

Show concern for your employees’ well-being and that of their families, and they will return the favour. After all, a happy hard-working employee is a healthy one.

Liability Insurance

Liability insurance provides your company with protection against claims resulting from injuries and damage to people and/or property.

Marine Insurance

Is your vessel used for commercial purposes? Let’s take away your worries and calm your mind, just like the ocean, as we cover you from waves of financial debt.

Motor Insurance

Cover your commercial vehicles with our motor policy. Our coverage includes hired vehicles, taxis, PSVs, company owned vehicles, those used for delivery and more.

Property Insurance

Every business or commercial enterprise should seek to protect its physical assets with our commercial property insurance coverage. Coverage includes fire, flood, hurricane, theft and more.

Sagicor Business Growth Solution

As your business evolves, Sagicor will be with you every step of the way. Your future will look brighter with this plan that allows you to save, invest and protect you, your family and your business.

Commercial Land Loans

Consider the costs of renting for your business operations. Owning your own property could prove to be more beneficial – not only are you rent-free, but you’re purchasing a business asset that could increase in value. Sagicor can help make that a reality.

Commercial Mortgages

When your business reaches the threshold of needing more land or property, or even renovating or constructing a new structure, our commercial mortgages can smooth that transition with customised payment options and flexibility.

Global Balanced Fund

Invest in local, regional, and even international shares, stocks, and bonds, through the first Barbados-based global fund.

Preferred Income Fund

Fixed income securities and preferred shares, both regionally and internationally, are featured in this investment.

Sagicor Renewable Energy Fund

This fund focuses on green investments with an emphasis on renewable energy as well as other socially responsible investment opportunities, which are typically dominated by privately held interests.

Select Growth Fund

Do you desire long-term growth from being more fully invested in stocks and greater exposure to world markets? Then this is the fund for you.

Group Retirement Solutions

Sagicor offers group retirement solutions to suit your business’ needs. Group retirement means your employees can share in a special savings plan that benefits them, after years of loyal service to your business.

Segregated Pension Fund

Barbadians that stick together, win together. This fund allows you to “pool” your money with others, in a tax-exempt vehicle that provides a well-diversified array of investments; lowering risk while increasing your chances for a comfortable retirement.

Share your feedback

Sagicor values your feedback and considers all issues, whether they be complaints or compliments, to be essential in evaluating and improving our service and product offerings to you. Report these issues using our Service Quality Form.

Pay Online

Pay your life, health, motor, property and general insurance premiums; even your mortgage easily and conveniently using our Sagicor GO mobile app and client portal.

eConnect

Book an appointment to connect with our customer service representatives online; safely and conveniently from the comfort of your home with the eConnect Virtual Client Experience.

Find an Agent

Need our services? A Sagicor agent in our network is eager to serve you. Find one close by.

Message Us on WhatsApp

Another convenient way for you to connect with us. Simply save this number (246) 467-7243 (SAGE), to your contacts.

Find a Location

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

If you have comments, questions or suggestions, we’re ready to listen. Use our convenient client contact form.

Live Chat

Need help quickly? Our agents are standing by.

Virtual Client Experience

Enjoy safe, convenient customer service from the comfort of your home with eConnect - Sagicor's new Virtual Client Experience Platform.

Report a Claim

We realise accidents and loss happen. The Sagicor team can help you through your entire claims process. Learn how to report life, health, motor, or home insurance claims.

Car Accident Guide

Use this as a step by step guide on what to do at the scene of an accident. We've got you covered!

Group Life & Health

Find out how to file a group life and health claim.

Individual Health

Learn how to make a health insurance claim.

Individual Life

Find out the steps you need to take to report a life insurance claim.

Motor

Find out the steps you need to take to report a motor insurance claim.

Property

Find out the steps you need to take to report a home insurance claim.

Travel

Find out the steps you need to take to report a travel insurance claim.

Visit our Blog

If you’d like to learn more about insurance, home ownership, investments, and even retirement planning, our blog contains handy posted articles on these and other financial topics.

Buying Guides

Insurance and finance can often be complex. Here are some convenient buying guides to help you better understand these subjects.

Customer Service Standards

We want to serve you better and commit to putting your first.

Find a Medical Provider

Search the Sagicor Core Network to find a medical provider near you.

Frequently Used Terms

Want to be more informed? Know and understand insurance and financial terms by learning the meanings of frequently used terms in our glossary.

Frequently Used Terms

Want to be more informed? Know and understand insurance and financial terms by learning the meanings of frequently used terms in our glossary.

Sagicor GO Mobile App

Manage all of your life, motor, home and travel insurance policies (even your mortgage) while on the go with Sagicor GO. Download the app here.

Ways to Pay

You want to pay your premiums for life, health, motor, home, travel and general insurance, your way. That’s why Sagicor gives you more options.

Advisor Portal Login

Sagicor Advisor Reporting Solution is an interactive website, specifically designed to allow advisors to view information about their clients.

Do you have a Group Life and Health policy? If you are an administrator, log in to manage your company’s account.

Manage Your Sagicor Policy

Manage everything about your life and general insurance policies, view statements, premium payments, and even change your contact details, with our convenient online portal.

Manage Your Claims

If you are a Group Life and Health administrator, log in to manage your CariCare claims.

Manage Your Mutual Funds

Have you purchased mutual funds in Barbados or Trinidad? Log in here to manage them.

Manage Your Pension

As a member or administration of a Group Pension plan, you can log in to view your company’s contributions.

Staff Benefits Portal

As a member or administration of a Group Pension plan, you can log in to view your company’s contributions.

Application Forms

Download application forms for health, life, motor, travel, home insurance, and mortgages.

Claim Forms

Download claim forms for health, life, motor, travel, and home insurance.

Group Life and Health Forms

Now you have convenient access to download forms for Group Life and Health Insurance policies.

Other forms

Not an application or claim? All your other forms to manage your policy can be found here.

Important Notices

Find the very 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.

Sagicor in the News

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

Press Releases

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

Latest Tweets

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

Corporate Social Responsibility

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

How does inflation impact my retirement income needs? -Results

The income you earn now may not be sufficient to sustain your desired lifestyle in retirement. Even very low inflation dramatically erodes the purchasing power of your savings. Your plan has got to take this change in purchasing power into account or you may get caught short.

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