Sagicor Financial Company (SFC) investor relations material

Company overview and market position

• Leading provider of insurance and related financial services with operations in 19 countries across North America and the Caribbean.

• Product suite includes life and health insurance, annuities, pensions, property and casualty insurance, and ancillary financial products.

• Holds top market positions: 2nd in universal life in Canada, 1st in life, health, and pensions in Jamaica, Barbados, and Eastern Caribbean, and 2nd in Trinidad and Tobago.

• Over 185 years of history, with a diversified regional presence and strong brand recognition.

Financial performance and growth

• Total assets grew over 195% since 2019, reaching $25.9 billion by Q2 2026.

• Core earnings increased by more than 125% since TSX listing; deployable capital up over 55%.

• Revenues primarily from life, health insurance, and annuities, with over 80% of revenues from these lines.

• Sustained profitability with LTM Q2 2026 core earnings of $170 million and net income of $159 million.

Capital strength and risk management

• Maintains a strong capital base with $3.5 billion in loss absorbing capital and a Group LICAT ratio of 134%-139%.

• Conservative leverage with a financial leverage ratio of 27.4% and over $1 billion in net capital raised since 2019.

• Investment grade credit ratings from S&P, Fitch, and DBRS, all with positive or stable outlooks.

• Conservative investment portfolio, 68% in debt securities, primarily investment grade, with limited exposure to higher-risk assets.

• Robust enterprise risk management framework with three lines of defense and strong board oversight.