Single Premium Immediate Annuity

• No contract expense charges or fees
• Minimum Premium Amount: $5,000
• Flexible Payment Periods: monthly, quarterly, semi-annual, or annually
• 401(k), 403(b), and IRA Rollovers: Convert qualified and non-qualified monies or simply use your savings to enjoy a guaranteed income during retirement.

• All premiums paid, considerations, fees or charges will be refunded if the contract is returned to Sagicor, or one of our representatives, for cancellation within 30 days after the contract is delivered.
• The contract will be deemed void from its beginning.

• This is an inherent rider and is included at no additional cost.
• This rider provides for a one-time withdrawal of no less than $2,500 and up to 30% of the withdrawal base at anytime during the period, beginning with the first contract anniversary, through the end of the guaranteed period.
• Use of this one-time withdrawal results in reduced annuity income payments. This rider may be exercised only by the original owner, as of the contract date.

Choose a payout plan that works for your individual situation and enjoy the option of protecting your spouse:

• Period Certain: Guarantees you an income over a certain period of time. Should you pass away before the period certain time ends, the remaining income payments are paid to your beneficiary. Issue age of Annuitant is 15 days - no limit.
• Lifetime Income: Guarantees you a steady and predictable income for the rest of your life. Issue age of Annuitant is 15 days thru 85 years.
• Lifetime Income with Period Certain:Guarantees lifetime income with a period certain guarantee. Should you pass away before the period certain time ends, the remaining income payments are paid to your beneficiary for the remainder of that period certain. Issue age of Annuitant is 15 days thru 85 years.
• Joint Life Income: Income payments are made to you and another person for the rest of your lives. When you or the other person dies, payments continue to the survivor and can be a partial percentage, such as two-thirds, or a full 100% of the payments received when both were living. Issue age of Annuitant is 15 days thru 85 years.
• Joint Life with Period Certain: Income payments are guaranteed to be made to you and another person, or your beneficiary during a certain period. Income payments will continue to be made after the certain period, as long as one of you is living. When you or the other person dies, payments continue to the survivor and can be a partial percentage, such as two-thirds, or a full 100% of the payments received when both were living. Issue age of Annuitant is 15 days thru 85 years.