Protection from market losses

Our interest crediting strategies let you to capture a portion of the index or ETF’s upside performance, subject to the application of interest Caps and Participation rates, while protecting you from losses when performance is negative.

These strategies allow you to diversify between a guaranteed rate, options linked to indexes featuring domestic or international exposure, or those with positive environmental, social and governance characteristics. Choose from:

If you believe in the strength of the U.S. economy, consider a strategy linked to the performance of the S&P 500® Index.


  • S&P 500® Index Strategies
    Widely regarded as the best single gauge of large-cap U.S. equities1, the Index tracks 500 of the largest U.S. publicly-traded corporations in the nation’s foremost industries.1
    VIEW FACT SHEET

If you want interest crediting opportunities and diversification with some international exposure, consider a strategy linked to:


  • iShares MSCI EAFE ETF
    This ETF seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities,
    excluding the U.S. and Canada.
    VIEW FACT SHEET

  • iShares MSCI Emerging Markets ETF
    This ETF seeks to track the investment results of an index composed of large- and mid-capitalization emerging market equities.
    VIEW FACT SHEET

If you want interest crediting opportunities and exposure to U.S. companies that have higher ESG qualities, consider a strategy linked to:


  • iShares ESG Aware MSCI USA ETF
    This ETF seeks to track the investment results of an index composed of U.S. companies that have positive ESG characteristics as identified by the index provider while exhibiting risk and return characteristics similar to those of the parent index.
    VIEW FACT SHEET

If you prefer the predictability of a guaranteed minimum fixed rate, consider the Declared Rate. You’ll earn interest credited daily, based on a fixed rate declared by Sagicor, which is guaranteed to never be less than the guaranteed minimum declared rate.


1S&P Dow Jones Indices, S&P 500®

iShares® and BlackRock®, and the corresponding logos, are registered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”) and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Sagicor Life Insurance Company for certain purposes. Sagicor Life Insurance Company’s products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares MSCI EAFE ETF, the iShares MSCI Emerging Markets ETF, or the iShares ESG Aware MSCI USA ETF, nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by Sagicor Life Insurance Company or any member of the public regarding the advisability of purchasing any product or service offered by Sagicor Life Insurance Company. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares ETFs or any data related thereto, or in connection with the operation, marketing, trading or sale of any Sagicor Life Insurance Company product or service offered by Sagicor Life Insurance Company.

For more information about iShares, see ishares.com.

The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sagicor Life Insurance Company (Sagicor). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sagicor. Sagicor’s product(s) are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.