Accordia Life vs Sagicor Life Insurance

Comprehensive side-by-side comparison of indexed universal life insurance companies

Updated 2025
Independent Analysis
Professional Ratings

Accordia Life

Founded: 1962

Des Moines, Iowa

Financial Strength Ratings

AM Best A
S&P A-
Moody's A2
Assets
$8 billion
IUL Experience
8+ years
Products
3
Avg Cap Rate
9%

Key Strengths

Offers 3+ IUL products
Lifetime Builder IUL, Provider IUL, Survivorship Builder IUL, Global Accumulator
Global Atlantic (KKR-owned) parent
Visit Accordia Life Website →

Sagicor Life Insurance

Founded: 1840

Scottsdale, Arizona

Financial Strength Ratings

AM Best A-
Assets
$5.5 billion assets
IUL Experience
5+ years
Products
1
Avg Cap Rate
9%

Key Strengths

Offers Sage IUL
Accelewriting® instant decisions
No-exam up to $1M
Visit Sagicor Life Insurance Website →

Detailed Feature Comparison

Feature Accordia Life Sagicor Life Insurance
Founded 1962 1840
Headquarters Des Moines, Iowa Scottsdale, Arizona
Assets Under Management $8 billion $5.5 billion assets
Years in IUL Business 8+ years 5+ years
Number of IUL Products 3 1
Typical Cap Rate Range 8% - 10% 8% - 10%
Participation Rates 110% 110%
Minimum Premium $5,000 annual $3,600 annual
Issue Ages 0-85 years 0-85 years
Underwriting Speed 2-4 weeks 1-2 minutes (Accelewriting)

Accordia Life IUL Policies

Lifetime Builder IUL

Cap Rate: 8% to 10%

Floor: 0%

Compare this policy →

Sagicor Life Insurance IUL Policies

Sage IUL

Cap Rate: 8% to 10%

Floor: 0%

Compare this policy →

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