How Much Does Life Insurance By Sagicor Cost?



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Summary:

Sample quotes and policy information contained in this review of How Much Does Life Insurance By Sagicor Life Cost? was taken directly from the Sagicor Life website.  Actual results will vary and will depend on your age, your health, and other factors.  You must complete an application and get an underwriting approval before you know your exact cost.

Click Sagicor Life Insurance Review - Pros & Cons - Frequently Asked Questions and read our full Sagicor review.

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Sagicor PRICING AND FEES

The pricing for Sagicor term life insurance is excellent compared to the competition.  In addition, there are no hidden fees to apply.

HOW MUCH DOES Sagicor TERM LIFE INSURANCE COST?

The cost of the 10, 15, & 20 year term life insurance by Sagicor Life is less expensive that other leading carriers such as Ladder Life or Bestow.

QUICK VIEW

  • Product Name: Sage Term Life
  • Minimum Policy Face Amount: $50,000
  • Issue Ages:  20 Year Term -18 years to 65 years (to age 55 for Tobacco) 15 Year Term - 18 years to 70 years - 10 Year Term  - 18 years to 75 years
  • Level Period: 10, 15, & 20 Years

Sagicor term life insurance UNDERWRITING CLASSES

Accelerated Underwriting - 

  • Preferred Non-Tobacco
  • Standard Non-Tobacco
  • Rated Non-Tobacco
  • Preferred Tobacco and Standard Tobacco

Fully Underwritten - 

  • Preferred Non-Tobacco
  • Standard Non-Tobacco
  • Preferred Tobacco
  • Standard Tobacco
  • Substandard ratings up to Table 8

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Sagicor Term LIfe Insurance ADDITIONAL RIDERS

  • Accelerated Benefits Rider - Terminal condition or chronic illness 
  • Accidental Death
  • Children's Term Rider
  • Wavier of monthly deductions
  • Conversion: Sagicor term life insurance may be converted, without evidence of insurance, to any permanent life insurance policy being issued by Sagicor for conversion at that time.  Conversion may occur at any time prior to the policy anniversary following the insured’s 70th birthday.  Term Conversion credits are available in years 2 through 5 and allow 100% of the prior 12 months’ paid premium to be applied towards the cost of any eligible permanent life insurance policy.  Conversion credits apply to both full and partial policy conversions

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    Sagicor TERM LIFE INSURANCE PROS

    • Excellent prices
    • Easy online application
    • Accelerated underwriting - possible instant approval

    CONS OF Sagicor TERM LIFE INSURANCE

    • No 30 year term available
    • No all applicants are eligible for accelerated underwriting and will have to complete a full medical exam 

    Sagicor Term life insurance SAMPLE MONTHLY QUOTES

    Sample quotes assume Preferred Plus Underwriting Class.  Actual prices may be different.  Click here to get your personalized quote.

    Monthly Sagicor Term Life Insurance Quotes (Age 30 - Male)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $8.34

    $8.68

    $9.63

    $250,000

    $10.31

    $11.12

    $13.75

    $500,000

    $14.49

    $16.11

    $21.37

    $1,000,000

    $21.68

    $26.10

    $35.28

    Monthly Sagicor Term Life Insurance Quotes (Age 30 - Female)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $7.57

    $8.24

    $8.87

    $250,000

    $9.21

    $10.54

    $11.85

    $500,000

    $12.29

    $14.95

    $17.58

    $1,000,000

    $18.33

    $23.10

    $28.81

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    Monthly Sagicor Term Life Insurance Quotes (Age 40 - Male)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $9.70

    $10.53

    $10.92

    $250,000

    $12.39

    $14.60

    $16.56

    $500,000

    $18.65

    $23.08

    $26.99

    $1,000,000

    $30.20

    $39.70

    $47.44

    Monthly Sagicor Term Life Insurance Quotes (Age 40 - Female)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $9.14

    $9.44

    $10.32

    $250,000

    $10.62

    $13.03

    $14.96

    $500,000

    $15.11

    $19.94

    $23.80

    $1,000,000

    $23.22

    $32.18

    $41.13

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    Monthly Sagicor Term Life Insurance Quotes (Age 50 - Male)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $17.28

    $22.57

    $25.14

    $250,000

    $33.74

    $37.73

    $42.39

    $500,000

    $61.35

    $69.34

    $78.66

    $1,000,000

    $96.30

    $125.93

    $145.07

    Monthly Sagicor Term Life Insurance Quotes (Age 50 - Female)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $15.79

    $22.49

    $22.57

    $250,000

    $27.93

    $30.91

    $36.53

    $500,000

    $49.73

    $55.69

    $66.94

    $1,000,000

    $77.72

    $92.94

    $124.70

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    Monthly Sagicor Term Life Insurance Quotes (Age 60 - Male)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $40.17

    $54.89

    $71.35

    $250,000

    $82.21

    $116.52

    $155.88

    $500,000

    $158.30

    $226.92

    $305.63

    $1,000,000

    $310.48

    $447.72

    $605.13

    Monthly Sagicor Term Life Insurance Quotes (Age 60 - Female)

    Coverage

    10 Year

    15 Year

    20 Year

    $100,000

    $26.30

    $41.26

    $48.87

    $250,000

    $52.27

    $77.98

    $108.93

    $500,000

    $98.42

    $149.84

    $211.74

    $1,000,000

    $190.72

    $293.56

    $417.35


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    WHAT IS THE PRICE FOR Sagicor UNIVERSAL LIFE INSURANCE?

    The price for Sagicor universal life insurance is competitive compared to other leading carriers.

    QUICK VIEW

    • Product Name: Sage No Lapse Universal Life (NLUL)
    • Minimum Policy Face Amount: $25,000
    • Issue Ages: 16 to 80
    • Level Period: Permanent policy designed to last your entire life

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    Sagicor universal life UNDERWRITING CLASSES

    Accelerated Underwriting - 

    • Preferred Non-Tobacco
    • Standard Non-Tobacco
    • Rated Non-Tobacco
    • Preferred Tobacco and Standard Tobacco

    Fully Underwritten - 

    • Preferred Non-Tobacco
    • Standard Non-Tobacco
    • Preferred Tobacco
    • Standard Tobacco
    • Substandard ratings up to Table 8


    Sagicor universal life ADDITIONAL RIDERS

    • Accelerated Benefits Rider - Terminal condition or chronic illness 
    • Accidental Death
    • Children's Term Rider
    • Wavier of monthly deductions


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    Sagicor UNIVERSAL LIFE INSURANCE PROS

    • Sage NLUL is a flexible-premium product designed to provide affordable life insurance coverage your rest of your life.
    • Lapse protection - The No Lapse feature does not mean the policy can never lapse.  See policy for more details
    • Accelerated underwriting is  available for face amounts of $25,0005 to $400,000 for ages 16 years to 65 years — No telephone interview and an underwriting decision returned within minutes — No bodily fluids, no medical exams and no Attending Physician’s Statements (APS) are required.
    • Full underwriting is available for face amounts of $25,0005+ for ages 66 years to 85 years — Available for face amounts of $400,001+ for ages 16 years to 85 years

    CONS OF SAgicor UNIVERSAL LIFE INSURANCE

    There are no cons for Sagicor Universal Life Insurance.  The product has good prices, and should be considered if you are in the market for universal life. 

    SUMMARY

    Although you might not be familiar with the Sagicor Life name, you should consider this company if you are in the market for 10, 15, 20 year term life insurance or guaranteed universal life.  Their prices are super competitive and the application and underwriting process is fast and easy. 

    Have you had any experience with Sagicor Life? Let us know in the comments.


    Written by:  Chris Lalor

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