Sagicor Milestone Max – Guaranteed Growth with MYGA Simplicity and Flexibility
At Diversified Insurance Brokers, we help individuals secure retirement strategies built around safety, stability, and growth. The Sagicor Milestone Max Multi-Year Guaranteed Annuity (MYGA), issued by Sagicor Insurance Company, delivers guaranteed interest rates and flexible liquidity—ideal for conservative investors or retirees looking to lock in predictable returns.
Whether you’re rolling over retirement accounts or investing non-qualified funds, this product offers simplicity, control, and peace of mind for the years ahead.
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Choose Your Term Length and Lock In Your Rate
The Milestone Max offers multiple guarantee periods—3, 4, 5, 6, or 7 years—so you can tailor your annuity to match your personal financial timeline. At the time of publication of this article, interest rates are competitive across all term lengths, giving you the option to balance duration and yield.
Once you lock in your fixed rate, your account will grow steadily—without any exposure to market risk.
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Access to Funds Without Penalties
The Milestone Max provides up to 10% penalty-free withdrawals annually after the first year—giving you access to a portion of your funds while still preserving your contract.
It also includes:
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Nursing Home Waiver
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Terminal Illness Waiver
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RMD Waiver (for qualified accounts)
These provisions help ensure flexibility during difficult times and make this annuity especially retirement-friendly.
Maturity Options and Legacy Planning
At the end of your selected guarantee period, you’ll have several options:
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Renew into a new guaranteed term
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Withdraw funds penalty-free
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Convert to an income stream for retirement
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Transfer funds to another annuity strategy
In the event of death, your beneficiaries will receive the full contract accumulation value, helping preserve wealth and simplify estate planning.
Who It’s a Good Fit For
The Milestone Max MYGA is ideal for:
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Individuals nearing retirement who want guaranteed growth
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Investors who prefer no market volatility
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People with IRAs or other retirement accounts looking for safe rollovers
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Anyone looking for a short- to mid-term fixed-rate option with liquidity
Whether you’re moving funds from a 401(k), IRA, or brokerage account, Milestone Max offers a safe and stable home for your retirement savings.
Backed by Sagicor and Delivered by Experts
Sagicor Life Insurance Company brings strong financial backing and a track record of disciplined management. When combined with the personalized guidance of Diversified Insurance Brokers, you gain more than a MYGA—you gain a strategy aligned with your retirement goals.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Sagicor Milestone Max
What is the Sagicor Milestone Max annuity?
Milestone Max is a fixed indexed annuity designed for savers who want long-term accumulation potential, principal protection, and multiple index crediting strategies. It also includes strong liquidity features and optional income benefits.
How does Milestone Max earn interest?
The annuity credits interest based on the performance of selected index strategies, each using caps, participation rates, or spreads. A fixed-interest allocation is also available for guaranteed growth.
Does Milestone Max offer a premium bonus?
Some versions include a first-year premium bonus added to the accumulation value. Bonus vesting schedules may apply, especially if the contract is surrendered early.
Is my money protected from market losses?
Yes. Even during years of poor index performance, the annuity will not lose value due to market volatility. Negative index returns simply result in zero interest credit for the period.
What liquidity options are available?
Milestone Max typically allows annual penalty-free withdrawals up to a set percentage after the first contract year. Additional waivers may apply for qualifying nursing home confinement or terminal illness.
Does this annuity include an MVA?
Many versions include a Market Value Adjustment. The MVA can increase or reduce early-withdrawal amounts depending on interest-rate movements since the policy date.
Is an optional income rider available?
Yes. An optional lifetime income benefit rider may be available, offering guaranteed withdrawals and potential roll-up features for an additional fee.
Can I allocate funds to multiple strategies?
Yes. Milestone Max allows allocations across several index strategies and the fixed-interest option, giving you flexibility to diversify your growth approach.
Is this annuity available for IRAs and rollovers?
Yes. Milestone Max can be purchased with qualified funds such as IRAs and 401(k) rollovers, as well as non-qualified money.
Who is Sagicor Milestone Max best suited for?
This annuity is ideal for individuals seeking principal protection, steady long-term accumulation, flexible indexing options, and the potential for guaranteed retirement income.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
