1 welcome to SUNSTONE 2015 WE SHINE FOR YOU the of SUNSTONE _A_R_T_ ! "You did not choose me, but I chose you and appointed you so that you might go and BEAR FRUIT—fruit that will last—and so that whatever you ask IN MY NAME the Father will give you. This is my command: Love each other," said Jesus. John 15:16-17 NIV
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Transcript
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 117
1
welcome to
SUNSTONE
2015
WE SHINE FOR YOU
the of SUNSTONE _A_R_T_
You did not choose me but I chose you and appointed you so that you might goand BEAR FRUITmdashfruit that will lastmdashand so that whatever you ask IN MY NAME
the Father will give you This is my command Love each other said Jesus
John 1516-17 NIV
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 217
1 year - Time Deposit
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedom
proverbs 2021
An inheritance quickly gained will not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
AmountPS BANK BDO
APR
2012
FEB
2013
JUN
2013
May
2015
APR
2012
FEB
2013
JUN
2013
May
2015
10000 - 99999 075 025 025 125 187 112 05 05
100000 - 299999 3 15 125 125 212 137 075 05
300000 - 499999 3 15 125 150 212 137 075 088
500000 - 999999 325 175 125 150 225 15 0875 088
1 M - 49 M 35 225 125 150 237 162 1 1
5 M - 99 M 4 275 125 150 25 175 1125 1130
10 M amp UP 425 275 15 125 25 175 1125 1000
subject to 20 withholding tax
http 983087983087 wwwimoneyph 983087 time-deposit
source httpwwwimoneyph
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 317
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
1
325
55
775
10
1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
yearinflation
rate
Big Mac
( )
2008 83 105
2009 41 109
2010 39 114
2011 46 119
2012 32 122
2013 295 125
2014 41 130 100
1075
115
1225
130
2008 2009 2010 2011 2012 2013 2014
years $amp(
when we fail to PLAN then we are planning to FAIL
Average Annual Inflation Rate
source httpwwwimoneyph
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 417
Future Value Multiplier
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedomwhen we fail to PLAN then we are planning to FAIL
Future Value of 1
Formula FV = 1 (1+i)n
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 517
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Value of starting Early
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
AGE STARTED 12 M invested on 10th 55 60 65
20 1500000 16000000 25000000 41000000
21 1500000 14000000 22000000 39000000
25 1500000 9000000 15000000 25000000
30 1488000 6000000 9000000 15000000
MAXILINK Prime - 10 annual growth (illustration purpose)
120kyr for 10yrs = w 4 Million Life insurance w ADB amp TDB
AGE 0 (7 days old) 600K invested on 10th 55 60 65
771000 57000000 93000000 151000000
AGE 0 (7 days old) 300K invested on 10th 55 60 65
385000 28000000 46000000 75000000
60kyr for 10yrs = w 2 Million Life insurance w ADB TDB amp WPD
30kyr for 10yrs = w 1 Million Life insurance w ADB TDB amp WPD
Investment Life Insurance
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 217
1 year - Time Deposit
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedom
proverbs 2021
An inheritance quickly gained will not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
AmountPS BANK BDO
APR
2012
FEB
2013
JUN
2013
May
2015
APR
2012
FEB
2013
JUN
2013
May
2015
10000 - 99999 075 025 025 125 187 112 05 05
100000 - 299999 3 15 125 125 212 137 075 05
300000 - 499999 3 15 125 150 212 137 075 088
500000 - 999999 325 175 125 150 225 15 0875 088
1 M - 49 M 35 225 125 150 237 162 1 1
5 M - 99 M 4 275 125 150 25 175 1125 1130
10 M amp UP 425 275 15 125 25 175 1125 1000
subject to 20 withholding tax
http 983087983087 wwwimoneyph 983087 time-deposit
source httpwwwimoneyph
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 317
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
1
325
55
775
10
1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
yearinflation
rate
Big Mac
( )
2008 83 105
2009 41 109
2010 39 114
2011 46 119
2012 32 122
2013 295 125
2014 41 130 100
1075
115
1225
130
2008 2009 2010 2011 2012 2013 2014
years $amp(
when we fail to PLAN then we are planning to FAIL
Average Annual Inflation Rate
source httpwwwimoneyph
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 417
Future Value Multiplier
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedomwhen we fail to PLAN then we are planning to FAIL
Future Value of 1
Formula FV = 1 (1+i)n
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 517
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Value of starting Early
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
AGE STARTED 12 M invested on 10th 55 60 65
20 1500000 16000000 25000000 41000000
21 1500000 14000000 22000000 39000000
25 1500000 9000000 15000000 25000000
30 1488000 6000000 9000000 15000000
MAXILINK Prime - 10 annual growth (illustration purpose)
120kyr for 10yrs = w 4 Million Life insurance w ADB amp TDB
AGE 0 (7 days old) 600K invested on 10th 55 60 65
771000 57000000 93000000 151000000
AGE 0 (7 days old) 300K invested on 10th 55 60 65
385000 28000000 46000000 75000000
60kyr for 10yrs = w 2 Million Life insurance w ADB TDB amp WPD
30kyr for 10yrs = w 1 Million Life insurance w ADB TDB amp WPD
Investment Life Insurance
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 317
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
1
325
55
775
10
1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
yearinflation
rate
Big Mac
( )
2008 83 105
2009 41 109
2010 39 114
2011 46 119
2012 32 122
2013 295 125
2014 41 130 100
1075
115
1225
130
2008 2009 2010 2011 2012 2013 2014
years $amp(
when we fail to PLAN then we are planning to FAIL
Average Annual Inflation Rate
source httpwwwimoneyph
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 417
Future Value Multiplier
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedomwhen we fail to PLAN then we are planning to FAIL
Future Value of 1
Formula FV = 1 (1+i)n
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 517
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Value of starting Early
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
AGE STARTED 12 M invested on 10th 55 60 65
20 1500000 16000000 25000000 41000000
21 1500000 14000000 22000000 39000000
25 1500000 9000000 15000000 25000000
30 1488000 6000000 9000000 15000000
MAXILINK Prime - 10 annual growth (illustration purpose)
120kyr for 10yrs = w 4 Million Life insurance w ADB amp TDB
AGE 0 (7 days old) 600K invested on 10th 55 60 65
771000 57000000 93000000 151000000
AGE 0 (7 days old) 300K invested on 10th 55 60 65
385000 28000000 46000000 75000000
60kyr for 10yrs = w 2 Million Life insurance w ADB TDB amp WPD
30kyr for 10yrs = w 1 Million Life insurance w ADB TDB amp WPD
Investment Life Insurance
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 417
Future Value Multiplier
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp highly influential advisors
advocating financial freedomwhen we fail to PLAN then we are planning to FAIL
Future Value of 1
Formula FV = 1 (1+i)n
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 517
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Value of starting Early
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
AGE STARTED 12 M invested on 10th 55 60 65
20 1500000 16000000 25000000 41000000
21 1500000 14000000 22000000 39000000
25 1500000 9000000 15000000 25000000
30 1488000 6000000 9000000 15000000
MAXILINK Prime - 10 annual growth (illustration purpose)
120kyr for 10yrs = w 4 Million Life insurance w ADB amp TDB
AGE 0 (7 days old) 600K invested on 10th 55 60 65
771000 57000000 93000000 151000000
AGE 0 (7 days old) 300K invested on 10th 55 60 65
385000 28000000 46000000 75000000
60kyr for 10yrs = w 2 Million Life insurance w ADB TDB amp WPD
30kyr for 10yrs = w 1 Million Life insurance w ADB TDB amp WPD
Investment Life Insurance
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 517
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Value of starting Early
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
AGE STARTED 12 M invested on 10th 55 60 65
20 1500000 16000000 25000000 41000000
21 1500000 14000000 22000000 39000000
25 1500000 9000000 15000000 25000000
30 1488000 6000000 9000000 15000000
MAXILINK Prime - 10 annual growth (illustration purpose)
120kyr for 10yrs = w 4 Million Life insurance w ADB amp TDB
AGE 0 (7 days old) 600K invested on 10th 55 60 65
771000 57000000 93000000 151000000
AGE 0 (7 days old) 300K invested on 10th 55 60 65
385000 28000000 46000000 75000000
60kyr for 10yrs = w 2 Million Life insurance w ADB TDB amp WPD
30kyr for 10yrs = w 1 Million Life insurance w ADB TDB amp WPD
Investment Life Insurance
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 617
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
million marathon
VISION to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and
Leaderrsquos Conference leaders in re1047297ning 1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative leaders amp highly
in1047298uential advisors advocating 1047297nancial freedom
Annual
Savings
Daily
Savings 2 4 6 8 10
10000 27 day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs
30000 82 day 74 yrs 52 yrs 41 yrs 35 yrs 30 yrs
60000 164 day 50 yrs 37 yrs 31 yrs 26 yrs 23 yrs
100000 273 day 35 yrs 28 yrs 24 yrs 21 yrs 19 yrs
150000 411 day 26 yrs 22 yrs 19 yrs 17 yrs 15 yrs
TIME Start as early as you can
MONEY Save as much as you can (REGULARLY)
INTEREST Find better than INFLATION interests
Key FACTORS in building your retirement FUND
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 717
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Annual College
Tuition Fees
SCHOOL(Metro Manila)
2008(Source)
2014(Base Year)
2019(in 5 years)
2024(in 10 years)
2029(in 15 years)
2034(in 20 years)
University of Asia and the Pacific 124800 249651 444902 792859 1412954 2518023
De La Salle University 110448 220941 393738 701681 1250464 2228450
Ateneo de Manila University 90613 181263 323028 575668 1025897 1828250
Assumption College 84315 168664 300576 535657 954593 1701179
Mapua Institute of Technology 84000 168034 299453 533655 951027 1694823
St Scholasticas College 75072 150174 267626 476935 849946 1514688
San Beda College 64152 114325 203739 363083 647049 1153105
Miriam College 62412 111224 198213 353235 629499 1121829
Philippine Womens University 59616 106242 189333 337410 601298 1071573
Colegio de San Juan de Letran 50440 100900 179815 320447 571069 1017701
Far Eastern University 55000 98015 174673 311285 554740 988602
University of the East 47840 95699 170546 303929 541632 965242
University of Sto Tomas 45062 90142 160642 286281 510180 909192
St Paul College (Quezon City) 44256 88530 157769 281160 501055 892930
University of the Philippines 36000 72015 128337 228709 407583 726353
Rates were increased by 1225~ annually based on CHED
published 2008 Annual Tuition Fees in Philippine Daily Inquirer
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 817
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 200000 EXEMPT EXEMPT EXEMPT
200000 500000 --- 5 200000
500000 2000000 15000 8 500000
2000000 5000000 135000 11 2000000
5000000 10000000 465000 15 5000000
10000000 AND OVER 1215000 20 10000000
Estate Tax Table
OVER BUT NOT OVER TAX SHALL BE PLUS OF THE
EXCESS OVER
P --- P 100000 EXEMPT EXEMPT
100000 200000 --- 2 100000
200000 500000 2000 4 200000
500000 1000000 14000 6 500000
1000000 3000000 44000 8 1000000
3000000 5000000 204000 10 3000000
5000000 10000000 404000 12 5000000
10000000 1004000 15 10000000
Donors Tax Table
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
_Mission_
To develop innovative leaders amp
highly influential advisorsadvocating financial freedom
proverbs 2021
An inheritance quickly gainedwill not be blessed in the end
proverbs 215
the PLANS of the diligent leads to profitas surely as haste leads to poverty
PSALM 9012
teach us to number our days thatwe may gain a heart of wisdom
when we fail to PLAN then we are planning to FAIL
Life Insurance is a money forsomeone someday) because
someone cared Today
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 917
the of SUNSTONE _A_R_T_when we fail to PLAN then we are planning to FAIL
150 yrs est 1865
120 yrs est 1895
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1017
InsuranceCompany
Established Years ofExistence
1895 120 1907 108
1910 105
19141919
1939
19391945
1946 69
1947 68
1954 61
1954 61
InsuranceCompany
Established Years ofExistence
1962 53
1963 52
1979 36
1996 19
1999 16
SLF PSE
2000 15
2011 4
the of SUNSTONE _A_R_T_
_VISION_
to be sun lifersquos most innovative league home of passionate achievers of Macaulay MDRT and LeaderrsquosConference leaders in refining
financial education fueled with Faithand united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1117
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
0
10
20
30
40
2007 2008 2009 2010 2011 2012 2013 2014
TOTAL Premiums
in BillionsYear 2014
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1217
the of SUNSTONE _A_R_T__VISION_
to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in
refining financial education fueledwith Faith and united with one goal
when we fail to PLAN then we are planning to FAIL
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1317
the of SUNSTONE _A_R_T_
when we fail to PLAN then we are planning to FAIL
Investment Life Insurance
Advantages of Sun Life
VISION to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning1047297nancial education fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisorsadvocating 1047297nancial freedom
31 LIFE INSURANCE COMPANIES
Listed in PSEi Pure Mutual Funds VUL
Mutual Funds Companies
TAX if not Listed 5 CG amp
10 excess of 100k
with AssetManagement
Company
Protection +
Investment +
Savings =
Variable Unit LinkPublicly Listed CompaniesAmongst top 10
performing companies
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1417
the of SUNSTONE _A_R_T_Investment Life Insurance
_1_(free) withdrawal every year (yearly) In excess of which is 1 charge
_4_(free) fund switching every year (yearly) In excess of which is 1 charge
Loyalty Bonus equivalent to 2 of the average monthly fund balance of the preceding 5 years Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note if the fund value is equivalent to zero (0) then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company Failure to complete the funds required will result to a lapse
policy voiding the life insurance in-forced However a reinstatement is still possible at a premium the amount
is to be computed by the company on the time of writing request
Note On VUL Regular investment the premium invested will initially be allocated for the life insurance premium
once fully paid then it will be invested as excess premiumNote Valuation is Mark to Market and _not_ Compounded Interest
VISION to be sun lifersquos
most innovative league home of passionate achievers of Macaulay
MDRT and Leaderrsquos Conferenceleaders in re1047297ning 1047297nancial
education fueled with Faith andunited with one goal
Variable Universal Life
MISSION To develop
innovative leaders amp highly
in1047298 uential advisors advocating
1047297nancial freedom
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1517
the of SUNSTONE _A_R_T_Investment INVESTED
Option AFRONT - END LOAD
(Peso funds)
Minimum Initial investment of 5000
MinimumSubsequent investment of 1000
Option Bback - END LOAD
(Peso amp dollar funds)
INVESTMENTSales Load Rate(plus 12 VAT)
lt 100000 200 (224)
100000 lt 10M 150 (168)
10M lt 50M 100 (1120)
50M lt 20M 050 (056)
RedemptionPeriod
Subscription of lessthan 50M or less
than $100k
1st year 5 (56)
2nd year 4 (448)
3rd year 3 (336)
4th year 2 (224)
5th year 1 (112)
6th year NONE
Initial Charges are deducted uponinvestment from which charges varies
from the invested amount amp no chargeson withdrawal
5M Mutual Funds Privileges
10 waived back-endredemption
a once a year privilege only applicable to clients with 5M worth of BE investments atthe time of redemptionclient may redeem up to 10 of
total shares as of December 31 of previous year Not automatic must be
applied and indicated in orderticket and subject to approval
Account Options
1 Individual
2 Joint
3 in-Trust for
Account
4 corporation
5 cooperative
NO Init ial Cha rges are deducted uponinvestment amp an equivalent amount of percentage is
deducted depending on the redemption period
_VISION_ OF _ SUNSTONE LEADERS_
Leaders of sunstone unleashes the potentials ofeveryone amp nurturersquos the best A heart which enablesthe most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Mutual Funds SLAMC
MISSION To develop innovative leaders amp highly influential advisors advocating financial freedom
_VISION_ to be sun lifersquos most innovative league home of passionate
achievers of Macaulay MDRT and Leaderrsquos Conference leaders in refining financial education fueled with Faith and united with one goal
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1617
the of SUNSTONE _A_R_T_Investment
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial educationfueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
SCENARIO
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
SCENARIO2
GUARANTEED VARIABLE
DATE Principal
Amt
Current Value Principal
Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 14820330
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
7182019 ART of Sunstone Presentation
httpslidepdfcomreaderfullart-of-sunstone-presentation 1717
the of SUNSTONE _A_R_T_Investment Life Insurance
when we fail to PLAN then we are planning to FAIL
Mark to Market
VISION to be sun lifersquos most innovative league home of passionate achievers of
Macaulay MDRT and Leaderrsquos Conference leaders in re1047297ning 1047297nancial education
fueled with Faith and united with one goal
MISSION To develop innovative
leaders amp highly in1047298uential advisors
advocating 1047297nancial freedom
FUND SWITCHING ILLUSTRATION
GUARANTEED VARIABLE
DATEPrincipal
AmtCurrent Value
Principal Amt
NAVPU UNITS Fund Value
Jan10rsquo05 10000000 10000000 10000000 101 9945301 10000000
Jan10rsquo06 11000000 112 11147688
Jan10rsquo07 12100000 162 16156141
Jan10rsquo08 13310000 184 18311288
JUL16rsquo08 13310000 184 14820330
MONEY MARKET
Jan10rsquo08 18311288 101 18076296 18311288
Jan17rsquo08 101 18320326
BALANCED FUND
Jan17rsquo08 18320626 178 1027673 18320326
JUL16rsquo08 149 15343157
BULL
BEAR
1 0 0
0 0 0
0 0
1 2 2
5 0 0
0 0
1 4 5
0 0 0
0 0
1 6 7
5 0 0
0 0
1 9 0
0 0 0
0 0
J a n 1 0 0
6
J a n 1 0 0 7
J a n 1 0 0 8
J u l 1
6 0 8
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