You may contribute any premium, subject to a minimum amount determined by the company from time to time. You can select the amount of life insurance coverage required today and ensure that it maintains its value in real terms by choosing automatic inflation linking. If desired, you can increase the life insurance benefit by more than the rate of inflation or decrease it to suit any new circumstances in the future, subject to the minimum coverage allowed.

A percentage of each basic premium paid is invested each month on your behalf in the interest fund. A percentage of each additional premium, whether it is a regular additional premium or a lump sum premium is invested in the Sagicor Segregated Funds (excluding the interest fund). You may determine the proportion of these additional premiums to be allocated to each fund. The basic sum insured, the returns from the interest fund, and the rider benefits, if purchased, are guaranteed. The benefits payable under the investment funds are not guaranteed, but will fluctuate with the market values of the assets supporting the funds.