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Frequently asked questions

Need more information about life insurance and SagicorNow?
Find the answers to the typical questions we hear.

Now. Because you’ll never be younger than you are today, and age plays a role in the cost of insurance. Also, buying a policy when you’re healthy will help ensure that you have coverage if things change in the future.

Use our interactive calculator to get an answer fast.

You’ve come to the right place

If you want a fast and straightforward way to buy affordable life insurance, SagicorNow is the answer. It gives you the convenience of an online shopping experience featuring valuable life insurance solutions backed by the financial stability of Sagicor Life Insurance Company. There are no:

  • Sales calls
  • Medical exams or lab work1
  • Annoying waits for quotes or approvals

Affordable life insurance

Choose from level-premium term life policies for 10, 15 or 20 years or the lifetime protection of permanent whole life insurance protection that can do more than just cover the costs of a funeral. See how this valuable insurance protection can fit your budget.

Whether you want financial protection for a specific time period or affordable lifetime protection, here’s a summary of Sagicor’s term and whole life insurance products.

Sage Term Life Insurance
Coverage amounts from
$1 Million

Level-premium term insurance protection for your choice
of 10, 15 or 20 years.

Learn More
Sage Whole Life Insurance
Coverage amounts from

Lifetime insurance protection
that offers guaranteed
cash value growth.

Learn More

Get a quote in seconds. Apply within minutes.

It’s that easy. Simply answer a few questions to get a quote, adjust your premium rate to fit your budget, then complete the online application.

Once you submit your application, you will receive a notice with further instructions. The entire process takes about 20 minutes — a minor blip in time — compared to your commitment to lifetime insurance, financial security, and peace of mind for your loved ones.

In as little as 10 minutes

You can expect to have a decision for Sage Term Life and Sage Whole Life. No worries if your application needs an underwriting review. Most of these situations receive a decision within 5 business days.

Different factors are considered

Sagicor may want to pursue a full underwriting review to assess such things as pre-existing medical conditions, history of tobacco usage or weight that exceeds healthy guidelines.

Faster than you may think

Within 24-hours of an underwriting decision. That’s our standard procedure to issue policies, as long as all required documentation has been received.

Your premium rates come with no surprises

When you select a Sage Term policy, your premiums remain the same, and never increase for the length the term you choose. And, with Sage Whole Life Insurance, your premiums are guaranteed for life.

You have options

Our insurance-licensed agents are available to discuss these options with you. To speak with a Sagicor agent, simply use the chat/email feature, or call us toll-free at 888-472-4426. We’re available Monday — Friday, 7:30 a.m. to 4:30 p.m., MT.

We make it easy for you

You may file a death claim via email, fax or mail.

  • Email: [email protected]
  • Fax: 480-425-5128
  • Mailing address:
    Sagicor Life Insurance Company
    Attn: Claims Department
    8660 E Hartford Drive, Ste 200
    Scottsdale, AZ 85255

You'll need the following documents

  • For Sage Term Life or Sage Whole Life: The original death certificate with cause of death listed on the certificate
  • A copy of the Claimant Statement — completed by all beneficiaries
  • Additional documentation, depending on the type of beneficiary:
    If the proceeds are payable to a trust, a copy of the trust or trust certificate is required.
    If the proceeds are payable to the estate, legal documentation verifying their authority to act on behalf of the estate is required. For more information, please contact an attorney or your local bar association.

It could take less than a week

The process for Sage Term Life or Sage Whole Life policies

  • Upon initial notification, a claim packet will be sent within 3 business days.
  • Upon receipt of the last requirement, the claim will be processed within 7 business days for non-contestable claims. Processing time may be extended if additional review is required.

Yes. Proceeds can be assigned to a funeral home.

All designated beneficiaries must complete an assignment form provided by the funeral home. A copy of the assignment form for each beneficiary and a copy of the funeral invoice must be submitted to Sagicor.

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