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Fixed Indexed Annuity

Sage Accumulator

Sagicor Life Insurance Company

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10.25%

Best S&P 500 Annual Cap

10%

Free W/D

46

Available jurisdictions

Product data status: July 15, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Sage Accumulator would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,762
Est. value at age 80 (Sage Accumulator)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Sage Accumulator's published cap rate (10.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Sage Accumulator compares for your age, state, premium, and income goals alongside other Sagicor Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Sage Accumulator

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Sagicor Life Insurance Company product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

10.25% cap on S&P 500

An accumulation-focused fixed indexed annuity from A- rated Sagicor Life with a shorter five-year surrender chassis, built around an S&P 500 annual point-to-point cap plus participation-rate alternatives on the S&P 500 and three iShares ETF-tracking indexes (MSCI EAFE, MSCI Emerging Markets, ESG Aware MSCI USA), with no lifetime-income rider on the contract.

1-year term10-year surrender$75,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A- rated carrier on a shorter five-year surrender chassis than the FIA norm, want a single contract that can express either a recognizable S&P 500 cap or diversified developed-international and emerging-market participation exposure, and who are not looking for a guaranteed-lifetime-income mechanism inside this contract.

AM Best

A- Excellent

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

46 jurisdictions (restricted footprint)

Minimum premium

$25,000

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

1-year term · 7-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

1-year term · 5-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

56% participation rate

Participation

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

57% participation rate

Participation

1-year term · 7-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

58% participation rate

Participation

1-year term · 5-year surrender · $75,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 7-year surrender · $75,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 5-year surrender · $75,000+

Rate varies by premium band.

+ 18 additional crediting options (iShares MSCI, iShares ESG...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Pure accumulation design with no income rider on the contract — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with an income story it cannot deliver.
  • Five-year surrender chassis is shorter than the 7-to-10-year norm for accumulation FIAs, meaning buyers reach unrestricted liquidity faster — useful when the contract is being held for a defined accumulation window rather than a multi-decade deferral.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a participation-rate alternative on the same S&P 500, plus annual point-to-point participation strategies on three iShares ETF-tracking indexes (MSCI EAFE for developed international, MSCI Emerging Markets, and ESG Aware MSCI USA) — so the same contract can express either a like-for-like S&P comparison or a diversified ex-US allocation without changing carriers.
  • Standard accumulation liquidity package is built in — the contract's annual free-withdrawal allowance plus nursing-home, terminal-illness, and required-minimum-distribution surrender waivers — without an optional rider charge.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch Sage Accumulator as a guaranteed lifetime payout product — buyers who need contractually guaranteed lifetime withdrawals should be comparing income-focused FIAs, not this contract.
  • First-year surrender charge is comparatively heavy and the ladder stays steep across the five-year window — even though the surrender period itself is shorter than peers, an early surrender inside that window costs more than a typical 10-year ladder at the same point. Read the live surrender-charge schedule before sizing the contract.
  • Filed in 45 jurisdictions — the contract is NOT available in New York, Alaska, Connecticut, Maine, Montana, or Vermont. Confirm state availability before recommending to buyers in any of those six states.
  • The international-exposure index strategies (iShares MSCI EAFE, Emerging Markets, ESG MSCI USA) use ETF-tracking indexes whose participation rates can be quoted at headline-friendly levels but track underlying markets that behave very differently from the S&P 500. Each strategy has to be evaluated on its own historical behavior — they are not interchangeable allocations.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no income rider on this contract — look at an income-focused FIA instead), buyers who want a long deferral with a 10-year surrender ladder rather than a five-year chassis, or residents of New York, Alaska, Connecticut, Maine, Montana, or Vermont where this contract is not filed.

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See how Sage Accumulator compares for your age, state, premium, and income goals alongside other Sagicor Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (64 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 60% · 1-yr

iShares MSCI EAFE ETF

participation

5-yr surrender$75,000+

Par: 58% · 1-yr

S&P 500 Index

participation

5-yr surrender$75,000+

Par: 53% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

5-yr surrender$75,000+

Par: 37% · 1-yr

iShares MSCI Emerging Markets ETF

participation

5-yr surrender$75,000+

Par: 55% · 1-yr

iShares MSCI EAFE ETF

participation

5-yr surrenderUp to $74,999.99

Par: 53% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $74,999.99

Par: 48% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

5-yr surrenderUp to $74,999.99

Par: 32% · 1-yr

iShares MSCI Emerging Markets ETF

participation

5-yr surrenderUp to $74,999.99

Par: 59% · 1-yr

iShares MSCI EAFE ETF

participation

7-yr surrender$75,000+

Par: 57% · 1-yr

S&P 500 Index

participation

7-yr surrender$75,000+

Par: 52% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

7-yr surrender$75,000+

Par: 36% · 1-yr

iShares MSCI Emerging Markets ETF

participation

7-yr surrender$75,000+

Par: 54% · 1-yr

iShares MSCI EAFE ETF

participation

7-yr surrenderUp to $74,999.99

Par: 52% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $74,999.99

Par: 47% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

7-yr surrenderUp to $74,999.99

Par: 31% · 1-yr

iShares MSCI Emerging Markets ETF

participation

7-yr surrenderUp to $74,999.99

Par: 58% · 1-yr

iShares MSCI EAFE ETF

participation

10-yr surrender$75,000+

Par: 56% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 51% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

10-yr surrender$75,000+

Par: 35% · 1-yr

iShares MSCI Emerging Markets ETF

participation

10-yr surrender$75,000+

Cap: 10.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Par: 53% · 1-yr

iShares MSCI EAFE ETF

participation

10-yr surrenderUp to $74,999.99

Par: 51% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $74,999.99

Par: 46% · 1-yr

iShares ESG Aware MSCI USA ETF

participation

10-yr surrenderUp to $74,999.99

Par: 30% · 1-yr

iShares MSCI Emerging Markets ETF

participation

10-yr surrenderUp to $74,999.99

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $74,999.99

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $74,999.99

Par: 57.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 3089$75,000+

Par: 55.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3089$75,000+

Par: 50.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 3089$75,000+

Par: 34.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 3089$75,000+

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3089$75,000+

Fixed: 4.95% · 1-yr

Fixed Account

Fixed account

Other state rate set 3089$75,000+

Par: 52.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 3089Up to $74,999.99

Par: 50.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3089Up to $74,999.99

Par: 45.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 3089Up to $74,999.99

Par: 29.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 3089Up to $74,999.99

Cap: 9.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3089Up to $74,999.99

Fixed: 4.45% · 1-yr

Fixed Account

Fixed account

Other state rate set 3089Up to $74,999.99

Par: 58.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 4821$75,000+

Par: 56.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4821$75,000+

Par: 51.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 4821$75,000+

Par: 35.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 4821$75,000+

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4821$75,000+

Fixed: 4.95% · 1-yr

Fixed Account

Fixed account

Other state rate set 4821$75,000+

Par: 53.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 4821Up to $74,999.99

Par: 51.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4821Up to $74,999.99

Par: 46.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 4821Up to $74,999.99

Par: 30.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 4821Up to $74,999.99

Cap: 9.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4821Up to $74,999.99

Fixed: 4.45% · 1-yr

Fixed Account

Fixed account

Other state rate set 4821Up to $74,999.99

Par: 59.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 4853$75,000+

Par: 57.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4853$75,000+

Par: 52.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 4853$75,000+

Par: 36.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 4853$75,000+

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4853$75,000+

Fixed: 4.95% · 1-yr

Fixed Account

Fixed account

Other state rate set 4853$75,000+

Par: 54.5% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Other state rate set 4853Up to $74,999.99

Par: 52.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4853Up to $74,999.99

Par: 47.5% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Other state rate set 4853Up to $74,999.99

Par: 31.5% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Other state rate set 4853Up to $74,999.99

Cap: 9.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 4853Up to $74,999.99

Fixed: 4.45% · 1-yr

Fixed Account

Fixed account

Other state rate set 4853Up to $74,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Sage Accumulator

● Can I lose money in Sage Accumulator?

A negative index return by itself does not reduce the contract's account value: Sage Accumulator credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do Sage Accumulator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Sage Accumulator strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

product guide

Sage Accumulator Client Guide.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Sage Accumulator currently shows 56 distinct indexed or fixed crediting choices across 64 displayed rate-table rows, including S&P 500 Index, with 36 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10.25% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 9.15% annual point-to-point cap
  • S&P 500 Index: 10.15% annual point-to-point cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Sage Accumulator Client Guide.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Sage Accumulator rate report

See how Sage Accumulator compares for your age, state, premium, and income goals alongside other Sagicor Life Insurance Company fixed indexed annuity options.

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