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A surrender charge applies to amounts exceeding the annual free withdrawal amount. The charge is a percentage of the accumulation value and declines annually. Each guarantee period has its own surrender charge schedule. Upon renewal, the surrender schedule resets for the new term. Clients are given a 30-day window at the end of the term to withdraw without surrender charges. After the 7-year term, renewals occur annually with no further surrender charges.

Milestone Max MYGA (not available in California): Includes RMD access year 1, nursing home/terminal illness waivers, annuitization after year 1.

Upon the annuitant’s death, beneficiaries receive the full accumulation value without surrender charges or MVA. Paid as lump sum or annuitized options.

Beginning in year 2, policyholders may withdraw up to 10% of the prior year’s contract anniversary accumulation value per year without penalty. Minimum withdrawal: $500.

Issued by Sagicor Life Insurance Company, Milestone MYGA is available to individuals up to age 90 with a minimum single premium of $15,000. The product features tax-deferred growth, guaranteed interest rates over 3 to 7-year terms, and options for penalty-free withdrawals. The annuity protects principal, ensures beneficiaries receive a full death benefit, and allows flexibility at renewal periods with a 30-day window for full or partial withdrawals without surrender charges.

Automatic renewal occurs unless action is taken during a 30-day penalty-free window following the guarantee period. The 3-, 4-, 5-, and 6-year terms renew with new interest rates and reset surrender charge schedules. The 7-year term renews with a new interest rate on an annual basis without surrender charges.

Premium, less any applicable surrender charges and MVA (market value adjustment), if applicable. Guaranteed based on the claims-paying ability of Sagicor.

 is a single premium deferred fixed annuity offering multi-year guaranteed interest rates. It is designed to grow savings safely and predictably with no exposure to market volatility. During the selected guarantee period, the premium earns a fixed interest rate on a tax-deferred basis. After the guarantee period ends, clients have the option to withdraw funds without penalty, continue growing the annuity, or annuitize for income. It’s tailored for those seeking secure, predictable returns and flexible retirement income options

Surrender charges apply to any withdrawal above the 10% penalty-free limit and restart if the policy is renewed. The surrender charge schedule decreases annually. For example, the 5-year contract has a schedule of 9%, 8%, 7%, 6%, 5%. After the initial term, the contractholder receives a 30-day penalty-free window to withdraw funds or begin income payments. During periods when surrender charges apply, a Market Value Adjustment (MVA) also applies, which may increase or decrease the amount received based on interest rate movement. MVAs do not apply to the death benefit or the guaranteed surrender value.

No optional paid riders. Built-in features include terminal illness and nursing home confinement waivers.

The full contract/account value is paid to beneficiaries upon death.

Waiver of surrender charges for terminal illness or confinement to a nursing home after the first year. Also includes annual RMD access from year one for qualified contracts.

10% penalty-free annually starting in contract year 2. RMDs allowed from contract year 1 for qualified contracts.

Non-qualified, Traditional IRA, Roth IRA, SEP IRA, 401(k) rollover (inferred from qualified mention and industry standard).

This annuity offers a fixed interest rate for the selected guarantee period and allows 10% penalty-free withdrawals starting in the second year. It includes a death benefit equal to the full contract value, waivers for nursing home and terminal illness, RMD accessibility from year one for qualified contracts, and flexible income options after the first contract year. Renewal is automatic unless action is taken during the 30-day window.

At the end of the guarantee period, if no action is taken, the contract renews for a new guarantee period of the same length with a new guaranteed interest rate and a new surrender charge schedule. A 30-day penalty-free window is provided at renewal. After all renewal surrender charge periods have elapsed, the product renews annually without any charges.

The accumulation value less any applicable surrender charges and market value adjustments (MVA). MVAs do not apply to the death benefit or guaranteed surrender value.

is a multi-year guaranteed single premium deferred annuity that provides predictable growth through guaranteed interest rates over fixed terms of 3, 4, 5, 6, or 7 years. Designed for retirees or pre-retirees, it offers principal protection, tax-deferred accumulation, penalty-free access in specific situations, and a legacy benefit—all issued by Sagicor Life Insurance Company.

Sagicor Milestone MYGA (California)

Sagicor Milestone Max MYGA