Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Sagicor review

Annuity Atlas covers 13 Sagicor annuity products with live rates and contract specs. 13 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
13
MYGA yield (lineup max)
6.20% · 7yr · Milestone Max MYGA 7-Year
Surrender range
3–10 years
Rate as of Oct 14, 2026
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Products covered
13
A.M. Best
A
Categories covered
FIA · MYGA

13 Sagicor annuities

Click any product for rates, specs, and the full peer-group review.

Milestone Max MYGA 7-Year
Buyers with at least $25,000 to commit for seven years who want a locked-in rate plus a no-cost waiver for terminal illness or nursing-home confinement, and who don't live in one of the states where Max isn't sold
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Milestone MYGA 7-Year
Shoppers who want a low-minimum, straightforward 7-year rate lock without needing the illness-waiver features of the carrier's Max tier
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Milestone Max MYGA 5-Year
Buyers with $25,000 or more to commit for five years who want a locked rate, near-nationwide state approval, and a built-in nursing-home or terminal-illness liquidity waiver they hope never to need
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Milestone Max MYGA 6-Year
Shoppers outside California who want a locked 6-year MYGA rate plus built-in nursing-home and terminal-illness liquidity relief, and who can meet the $25,000 minimum
A
A.M. BEST
MYGA6-YR SURRENDER
Review →
Milestone MYGA 5-Year
Shoppers in the narrow list of states where this legacy contract is still filed who want a no-fee, five-year locked rate and a lower minimum premium than Sagicor's newer Milestone Max version
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Milestone MYGA 6-Year
California residents who want a locked 6-year rate with no market value adjustment and a stronger-than-typical guaranteed floor, and who are comfortable getting a live rate quote rather than relying on a published table
A
A.M. BEST
MYGA6-YR SURRENDER
Review →
Milestone Max MYGA 3-Year
Savers with at least $25,000 who want a locked 3-year rate plus a no-cost nursing-home and terminal-illness withdrawal waiver
A
A.M. BEST
MYGA3-YR SURRENDER
Review →
Milestone Max MYGA 4-Year
Buyers with at least $25,000 to commit for four years who want a genuinely better locked rate than Sagicor's own base Milestone MYGA pays at the same premium size
A
A.M. BEST
MYGA4-YR SURRENDER
Review →
Milestone MYGA 3-Year
Shoppers below the $25,000 minimum Sagicor requires on its own higher-rate Milestone Max sibling who want a simple, no-fee 3-year locked rate
A
A.M. BEST
MYGA3-YR SURRENDER
Review →
Milestone MYGA 4-Year
Savers with $100,000 or more to commit for four years who want a locked guaranteed rate and don't need access to the money in year one
A
A.M. BEST
MYGA4-YR SURRENDER
Review →
Sage Accumulator 10-Year
Buyers with a decade-plus horizon who want strong index-crediting upside and a no-fee base contract without paying for an income rider they won't use
A
A.M. BEST
FIA10-YR SURRENDER
Review →
Sage Accumulator 5-Year
Buyers who want a 5-year FIA with competitive cap rates, a full-account-value death benefit, and a built-in nursing home/terminal illness waiver without paying rider fees
A
A.M. BEST
FIA5-YR SURRENDER
Review →
Sage Accumulator 7-Year
Buyers who want a diversified index-crediting menu with no annual base fee and a chronic-illness withdrawal waiver, and who don't need a lifetime income rider
A
A.M. BEST
FIA7-YR SURRENDER
Review →

Frequently asked questions

Is Sagicor a good annuity company?
We have reviewed 13 Sagicor products, and A.M. Best rates the carrier A for financial strength.
What is the surrender period for Sagicor annuities?
Surrender periods on Sagicor's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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