Sagicor

• ETF Focus: Large- and mid-cap developed market stocks from companies in Europe, Australia, Asia, and the Far East
• ETF Benchmark: MSCI EAFE Index

• ETF Focus: Large- and mid-sized companies in emerging markets
• ETF Benchmark: MSCI Emerging Markets Index

• ETF Focus: Large- and mid-cap stocks of U.S. companies with positive environmental, social and governance (ESG) characteristics
• ETF Benchmark: MSCI USA Extended ESG Focus Index

FROM SAGICOR…

At Sagicor, strong annuity sales continue even in the face of a rising rate environment that could cause some to hold out for a “better rate” rather than locking something in today. Part of the strategy that keeps these sales moving forward is a short-term laddering approach using our 3, 4 and 5-year MYGA products. This can be particularly appealing for risk averse clients who are nervous about the recent market downturn and increased volatility.

How it Works
Laddering with a MYGA is similar to CD or bond laddering. Since Milestone MYGA offers guaranteed rates for specific time periods, you can ladder or stagger a choice of guaranteed rates for 3-, 4-, 5-, 6-, or 7-years. This gives your clients the potential of locking into higher guaranteed interest crediting when the contract period is up.

The Outcome

• If the client simply liquidates each annuity at the end of the level period, their $300,000 would grow to $347,304 before any taxes by the end of year 5. More if the client repositions each annuity as the guarantee period comes to an end.
• Of course, if they roll into a new annuity at the end of the guarantee period, there could be even more growth if future rates are higher than those available today.
• Don’t want to wait until the end of the guarantee period to reallocate these funds elsewhere? No problem! The Sagicor Milestone MYGA offers 10% penalty free withdrawals starting in year 2.

Why Milestone MYGA?

• Competitive guaranteed rates for 3, 4, 5, 6 or 7 years
• 10% penalty-free withdrawals beginning contract-year two
• Issue through age 90
• Minimum Premium Amount: $15,000 (Qualified and Non-Qualified)
• No annual contract fees
• A death benefit — paid out in a lump sum or an available settlement option

How to Get the Word Out

• Target Market: Conservative investors in the baby boomer generation demographic with dormant savings
• 56% of Baby Boomers are concerned that current market volatility is going to impact their retirement funds.
• Sagicor has materials to help advisors market the product to consumers, including:
  • Conversation Starters
  • Customizable Letter
  • Customizable Emails

Click to find additional marketing, education, and training materials.

Find out more about these changes from Sagicor…

• Formal Announcement from Sagicor
• Milestone MYGA Product Materials
• Additional Marketing, Education, & Training Materials

FROM SAGICOR…

Milestone MYGA 6 available in DC, DE, FL, ND, and SD starting November 13th

This is great news for clients who want to lock in a 6-year guaranteed rate of interest — with no exposure to market risk. Milestone MYGA offers clients a choice of competitive interest crediting for 3, 4, 5, 6 and 7 years, plus:

• 10% penalty-free withdrawals beginning contract-year two
• Issue availability to age 90
• Full account value payable at death

Find out more about these changes from Sagicor…

• Formal Announcement from Sagicor
• Current Rates