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Fixed Indexed Annuity

Sage Accumulator — Sagicor Life Insurance Company

Sagicor Life Insurance Company

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10.75%

Best S&P 500 Annual Cap

10%

Free W/D

46

Available jurisdictions

Product data status: October 2, 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 strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,180
Est. value at age 80 (Sage Accumulator)
10.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.75% 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 (10.75% 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 October 2, 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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rate data

Run numbers for Sage Accumulator

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10.75% 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.75% cap rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

10.75% cap rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

10.75% cap rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

56% participation rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

57% participation rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

58% participation rate

Rate effective Aug 19, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Guaranteed Cap Lock

10% cap rate

Rate effective Sep 16, 2026

5-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Guaranteed Cap Lock

10% cap rate

Rate effective Sep 16, 2026

7-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Guaranteed Cap Lock

10% cap rate

Rate effective Sep 16, 2026

10-year point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

5% declared rate

Rate effective Aug 19, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

5% declared rate

Rate effective Aug 19, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

5% declared rate

Rate effective Aug 19, 2026

Fixed account

Requested state: TX

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

+ 9 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.

Free Comparison Report

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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 (34 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 60% · 1-yr

iShares MSCI EAFE ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20265-yr surrender$75,000+

Par: 60% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Requested state: TX5-yr surrender$75,000+

Par: 58% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20265-yr surrender$75,000+

Par: 58% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$75,000+

Par: 53% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20265-yr surrender$75,000+

Par: 53% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Requested state: TX5-yr surrender$75,000+

Par: 37% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20265-yr surrender$75,000+

Par: 37% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Requested state: TX5-yr surrender$75,000+

Cap: 10% · 5-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 16, 20265-yr surrender$75,000+

Cap: 10% · 5-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point

Requested state: TX5-yr surrender$75,000+

Par: 59% · 1-yr

iShares MSCI EAFE ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20267-yr surrender$75,000+

Par: 59% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Requested state: TX7-yr surrender$75,000+

Par: 57% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20267-yr surrender$75,000+

Par: 57% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$75,000+

Par: 52% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20267-yr surrender$75,000+

Par: 52% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Requested state: TX7-yr surrender$75,000+

Par: 36% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 20267-yr surrender$75,000+

Par: 36% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Requested state: TX7-yr surrender$75,000+

Cap: 10% · 7-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 16, 20267-yr surrender$75,000+

Cap: 10% · 7-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point

Requested state: TX7-yr surrender$75,000+

Par: 58% · 1-yr

iShares MSCI EAFE ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Par: 58% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 56% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Par: 56% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 51% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Par: 51% · 1-yr

iShares ESG Aware MSCI USA ETF

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 35% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Par: 35% · 1-yr

iShares MSCI Emerging Markets ETF

Point-to-point

Requested state: TX10-yr surrender$75,000+

Cap: 10.75% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Cap: 10.75% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Fixed: 5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Aug 19, 202610-yr surrender$75,000+

Fixed: 5% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$75,000+

Cap: 10% · 10-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 16, 202610-yr surrender$75,000+

Cap: 10% · 10-yr

S&P 500 Index

Guaranteed Cap Lock · Point-to-point

Requested state: TX10-yr surrender$75,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product 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 withdrawals, surrender charges, 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.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Sage Accumulator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available 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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

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 34 indexed or fixed crediting options, including S&P 500 Index, with 18 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10.75% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.75% annual cap
  • S&P 500 Index: 56% annual participation rate, 0% annual strategy fee
  • S&P 500 Index: 57% annual participation rate, 0% annual strategy fee

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
  • 10 surrender years
  • 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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