ABOUT SUN LIFE FINANCIAL IT’S TIME FOR A Brighter Life Integrated Sales Tool 03.2015 MONEY FOR LIFE FOR A BRIGHTER LIFE: A HOLISTIC VIEW BRIGHTER LIFE: A LIFE STAGE APPROACH TO FINANCIAL PLANNING YOUR KEY FINANCIAL NEEDS MONEY FOR LIFE SOLUTIONS
ABOUT SUN LIFE FINANCIAL
IT’S TIME FOR A
Brighter Life Integrated Sales Tool 03.2015
MONEY FOR LIFE FOR A BRIGHTER LIFE: A HOLISTIC VIEW
BRIGHTER LIFE: A LIFE STAGE APPROACH TO FINANCIAL PLANNING
YOUR KEY FINANCIAL NEEDS
MONEY FOR LIFE SOLUTIONS
YOUR PERSONAL FINANCIAL PLANNING PRESENTATION
IT’S TIME FOR A
SUN LIFE FINANCIAL AROUND THE WORLD Growing our business and helping customers achieve lifetime financial security.
MEXICO CITY
INDONESIA
PHILIPPINES
VIETNAM
HONG KONG
CHINA
INDIA
MALAYSIA
UNITED KINGDOM
IRELAND
TOKYO
SINGAPORE
SYDNEY
DUBAI
BUENOS AIRES
SÁO PAULO
CANADA
UNITED STATES
PHOENIX
BOSTON MONTREAL
VANCOUVER
TORONTO
BERMUDA
HONG KONG
MILAN
FRANKFURT ZURICH
ROTTERDAM LONDON
PARIS
MADRID
MFS INVESTMENT MANAGEMENT
SUN LIFE FINANCIAL AROUND THE WORLD
WHO ARE WE IN THE PHILIPPINES
Sun Life of Canada (Philippines), Inc.
LIFE INSURANCE
Sun Life Asset Management Company, Inc.
MUTUAL FUNDS
Sun Life Financial Plans, Inc.
PRE-NEED PLANS
Sun Life Grepa
Financial, Inc.
JOINT VENTURE with YGC
Sun Life Financial Philippines
Foundation, Inc.
CORPORATE SOCIAL RESPONSIBILITY
OUR TRACK RECORD IN THE PHILIPPINES
*Based on Insurance Commission’s Report as of December 2014
SUN LIFE ASSET MANAGEMENT COMPANY, INC.
(MUTUAL FUNDS)
SUN LIFE OF CANADA
(PHILIPPINES), INC. (LIFE INSURANCE)
Php
158.
3
Php
140.
8
Php
119.
3
Php
103.
1
Php
89.2
2009 2010 2011 2012 2013
TOTAL ASSETS (IN BILLIONS)
Php
4.5
Php3
.2
Php
2.3
Php
1.7
Php
1.3
2009 2010 2011 2012 2013
WEIGHTED FIRST YEAR PREMIUM (WFYP)
(IN BILLIONS)
Php
29.7
Php
20.1
Php
13.9
Php
10.6
Php
9.6
2009 2010 2011 2012 2013
PRMIUM INCOME (IN BILLIONS)
Php
25.0
Php
9.7
Php
6.5
Php
4.7
Php
1.9
2009 2010 2011 2012 2013
GROSS SALES (IN BILLIONS)
Php
41.6
Php
28.7
Php
21.5
Php
19.4
Php
15.1
2009 2010 2011 2012 2013
ASSETS UNDER MANAGEMENT (AUM)
(IN BILLIONS)
NUMBER ONE LIFE INSURANCE COMPANY IN THE PHILIPPINES*
OUR MISSION IS TO HELP CUSTOMERS ACHIEVE LIFETIME FINANCIAL SECURITY
MEAN TO YOU TODAY?
WHAT DOES A
GETTING STARTED
Building independence and confidence
MOVING UP
Prioritizing family above all
PREPARING AHEAD
Nurturing my health and wealth
LEAVING A LEGACY
Ensuring lasting golden years
AT THE DIFFERENT STAGES OF YOUR LIFE, YOU HAVE DIFFERENT LIFE GOALS OR DREAMS.
AS YOU GO THROUGH LIFE, YOUR VISION OF A BRIGHTER LIFE ALSO CHANGES.
WHAT IS MONEY FOR LIFE?
MONEY FOR LIFE is your own customized HOLISTIC FINANCIAL PLAN that can be created to prepare you for your changing life goals and needs.
LEG
AC
Y
LEAVING A LEGACY
PREPARING AHEAD
MOVING UP
GETTING STARTED
LIFESTYLE
INVESTMENTS (education, retirement,
other life milestones)
INCOME PROTECTION
BASIC LIVING
PROTECTION
PROGRESSING IN YOUR CAREER
GETTING MARRIED
OR HAVING A CHILD
PREPARING FOR
RETIREMENT
LIVING YOUR GOLDEN
YEARS
HEALTH
HEALTH PROTECTION Money to cover medical expenses
related to accident, critical illness, hospitalization or long-term care
INVESTMENTS Money for future needs such as
children’s education, retirement and life milestones
LIFESTYLE Money for hobbies, recreational activities or for causes that you support.
LEGACY Money you leave behind for your loved ones, your chosen charity or foundation
BASIC LIVING Money for food,
clothing, shelter or anything you would
need to survive
INCOME PROTECTION Money to protect you and your family against life’s unforeseen events
WHAT IS MONEY FOR LIFE?
GETTING STARTED
Building independence and confidence
MOVING UP
Prioritizing family above all
PREPARING AHEAD
Nurturing my health and wealth
LEAVING A LEGACY
Ensuring lasting golden years
WHAT LIFE STAGE ARE YOU IN?
GETTING STARTED: BUILDING CONFIDENCE AND INDEPENDENCE
“I work my way towards my aspirations. I want to experience everything. I value my independence but I also want to give back to my parents.
I plan to build my own family someday.”
Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly
LEG
AC
Y
LEAVING A LEGACY
PREPARING AHEAD
MOVING UP
GETTING STARTED
LIFESTYLE
INVESTMENTS (education, retirement,
other life milestones)
INCOME PROTECTION
BASIC LIVING
PROTECTION
PROGRESSING IN YOUR CAREER
GETTING MARRIED
OR HAVING A CHILD
PREPARING FOR
RETIREMENT
LIVING YOUR GOLDEN
YEARS
HEALTH
YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE
PRIORITIES
FINANCIAL NEEDS
SOLUTIONS
Initial stage of career life Various personal
aspirations Strong desire to
experience everything From strengthening
financial independence to planning for achieving life goals/ building own family
Higher risk acceptance level
Day-to-day expenses Emergency fund Protection for
himself/herself and parents
Target saving for achieving personal goals and/ or building family
Solutions with savings and investment at similar importance
Dedicated plan for fulfilling target savings needs
Importance of H&A covers to secure achievement of personal plans
Emphasis on securing a plan for income protection for single breadwinners
WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?
YOUR BRIGHT CHOICES TODAY
1. CREATE A CONSCIOUS SPENDING PLAN.
3. ENSURE FUTURE INCOME.
2. BUILD AN EMERGENCY FUND.
4. SAVE FOR LIFE MILESTONES.
AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?
INCOME PROTECTION
RETIREMENT
HEALTH PROTECTION
EDUCATION
ESTATE TRANSFER
SAVING FOR LIFE MILESTONES
MOVING UP: PRIORITIZING FAMILY ABOVE ALL
“Family is my key concern. Everything I do is for them because I want to ensure that they are well provided for. Their needs are my priority too.
I enjoy being single and there are so many personal goals I plan to achieve”
Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly
LEG
AC
Y
LEAVING A LEGACY
PREPARING AHEAD
MOVING UP
GETTING STARTED
LIFESTYLE
INVESTMENTS (education, retirement,
other life milestones)
INCOME PROTECTION
BASIC LIVING
PROTECTION
PROGRESSING IN YOUR CAREER
GETTING MARRIED
OR HAVING A CHILD
PREPARING FOR
RETIREMENT
LIVING YOUR GOLDEN
YEARS
HEALTH
YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE
PRIORITIES
FINANCIAL NEEDS
SOLUTIONS
In the middle of career life Clearer picture on
personal goals Working hard on realizing
personal goals Family needs becoming top
priority (for married) Concern on personal
health Medium risk acceptance
level
High day-to-day expenses High emergency fund Protection for
himself/herself, own family and parents
Target saving for achieving personal and/ or family goals
Education fund for children
Start of retirement plan
Solutions with higher protection over savings for married
Solutions with savings and investment at similar importance for single
Dedicated plan for fulfilling target savings needs
Importance of H&A covers to secure achievement of personal and family plans
WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?
YOUR BRIGHT CHOICES TODAY
1. CREATE A CONSCIOUS SPENDING PLAN.
4. ENSURE INCOME IN CASE OF ILLNESS OR INJURY.
2. BUILD AN EMERGENCY FUND.
5. BUILD AN EDUCATION FUND.
3. ENSURE FUTURE INCOME.
6. SAVE FOR LIFE MILESTONES.
AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?
INCOME PROTECTION
RETIREMENT
HEALTH PROTECTION
EDUCATION
ESTATE TRANSFER
SAVING FOR LIFE MILESTONES
PREPARING AHEAD: NURTURING HEALTH AND WEALTH
“I have to make sure that I am able to take care of my needs, as well as provide for my family. With fewer expenses like education to worry about and my mortgage nearly paid off, it is time to think about retirement.
Maintaining my lifestyle after retirement is of key importance even though I plan to retire earlier.”
Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly
LEG
AC
Y
LEAVING A LEGACY
PREPARING AHEAD
MOVING UP
GETTING STARTED
LIFESTYLE
INVESTMENTS (education, retirement,
other life milestones)
INCOME PROTECTION
BASIC LIVING
PROTECTION
PROGRESSING IN YOUR CAREER
GETTING MARRIED
OR HAVING A CHILD
PREPARING FOR
RETIREMENT
LIVING YOUR GOLDEN
YEARS
HEALTH
PRIORITIES
FINANCIAL NEEDS
SOLUTIONS
Pre-retirement stage Accomplishment of career
goals Reduction on certain key
financial burdens or increase in financial burden as supporting two generations
Concern on retirement and personal health
Lower risk acceptance level
Lowering day-to-day expenses
Emergency fund Retirement plan Protection for
himself/herself and parents
Target saving for achieving personal goal
Retirement plan solutions with high protection and savings
Importance of H&A covers to secure future retirement life
Investment solutions with balanced investment strategy
YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE
WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?
YOUR BRIGHT CHOICES TODAY
1. CREATE A CONSCIOUS SPENDING PLAN.
4. ENSURE INCOME IN CASE OF ILLNESS OR INJURY.
2. BUILD AN EMERGENCY FUND.
5. PREPARE A RETIREMENT FUND.
3. ENSURE FUTURE INCOME.
6. SAVE FOR LIFE MILESTONES.
AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?
INCOME PROTECTION
RETIREMENT
HEALTH PROTECTION
EDUCATION
ESTATE TRANSFER
SAVING FOR LIFE MILESTONES
LEAVING A LEGACY: ENSURING LASTING GOLDEN YEARS
“I want to live my retirement years in comfort and pursuing lost passions. During these years, I intend to devote more time for my family, my hobbies and interests.
I plan to orderly transfer my wealth to the next generation.”
Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly
LEG
AC
Y
LEAVING A LEGACY
PREPARING AHEAD
MOVING UP
GETTING STARTED
LIFESTYLE
INVESTMENTS (education, retirement,
other life milestones)
INCOME PROTECTION
BASIC LIVING
PROTECTION
PROGRESSING IN YOUR CAREER
GETTING MARRIED
OR HAVING A CHILD
PREPARING FOR
RETIREMENT
LIVING YOUR GOLDEN
YEARS
HEALTH
YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE
PRIORITIES
FINANCIAL NEEDS
SOLUTIONS
Retirement stage Concern on health care Spending mainly on
personal (and spouse’s if married) lifestyle and health care
No or very low financial burdens from next generation
Lowest risk acceptance level
Day-to-day expenses Health care Wealth preservation Protection for himself/
herself and spouse Plan for legacy/ estate
Solutions for wealth preservation
Importance of H&A covers to protect increasing health and medical expenses
Leaving legacy through life protection plan
WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?
YOUR BRIGHT CHOICES TODAY
1. CREATE A CONSCIOUS SPENDING PLAN.
4. PLAN FOR MY ESTATE.
2. BUILD AN EMERGENCY FUND.
5. BUILD A FUND FOR MY LOVED ONES.
3. PRESERVE RETIREMENT FUND.
6. SAVE FOR LIFE MILESTONES.
AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?
INCOME PROTECTION
RETIREMENT
HEALTH PROTECTION
EDUCATION
ESTATE TRANSFER
SAVING FOR LIFE MILESTONES
YOUR KEY
INCOME PROTECTION
RETIREMENT
HEALTH PROTECTION
EDUCATION
ESTATE TRANSFER
SAVING FOR LIFE MILESTONES
FINANCIAL NEEDS
ENSURE FUTURE INCOME
IT’S TIME FOR A
Brighter Life Decks – INCOME PROTECTION 03.2015
IS YOUR FAMILY’S FUTURE SECURE IF YOU SUDDENLY RUN OUT OF TIME?
BRIGHT CHOICE: PROTECT YOUR FAMILY’S INCOME THROUGH LIFE INSURANCE
I Age: 35
I UNTIMELY DEATH
I Age: 35
I UNTIMELY DEATH
Your family will have to scale down their standard of living when what you have accumulated to date - bank deposits and investments - is not enough.
INCOME STOPS/DROPS
LIFE INSURANCE FILLS THE GAP between your existing wealth versus funds needed to support the family.
YOU WORKING FOR MONEY INCOME GROWS
YOUR MONEY WORKING FOR YOU INCOME CONTINUES
YOU WORKING FOR MONEY INCOME GROWS
FAMILY INCOME NEEDS LIABILITIES or DEBTS EXISTING CASH ASSETS
Php 50,000 (income your family needs to maintain
their current standard of living)
X 12 months
÷ 4%
(reasonable interest rate today)
LIABILITIES
Php 1,500,000 (e.g. house, car, personal loans, etc.)
+
EMERGENCY FUND
Php 300,000 (3-6 months income to help meet the unexpected)
+
FINAL EXPENSES
Php 1,200,000 (e.g. medical bills, funeral costs, estate taxes, etc.)
EXISTING LIFE INSURANCE COVERAGE
Individual : Php 2,000,000 Group : Php 2,000,000
+
CASH SAVINGS & INVESTMENT
Php 12,000,000
Php 15,000,000 Amount Needed to Provide for the Family
PLUS: Php 3,000,000 Amount Needed to Meet Liabilities
LESS: Php 16,000,000 Total Cash Assets
HOW MUCH WOULD YOU NEED TO PROVIDE INCOME PROTECTION FOR YOUR LOVED ONES?
Shortfall/Surplus in Income Protection Needs: Php 2,000,000
LIFE GOAL: COMREHENSIVE PROTECTION
I Age: 88
Php 2 MILLION DEATH BENEFIT
(PLUS PROJECTED FUND VALUE OF
Php 1.6 MILLION**
AT 8% AT AGE 55)
Ensure future income for your family when the inevitable comes while accumulating a Fund Value for your other life goals.
WITH ACCIDENT, DISABILITY, & CRITICAL ILLNESS COVERAGE * Premium holiday in 20 years, additional payments may be required if fund value is insufficient to pay for the applicable fees. Annual premium for CIB starts at P4,480 and increases every 5 years. ** 100% Balanced Fund. No withdrawals are made from 35 to 55. Projected Fund Value is not guaranteed.
Sample Product Solution
SUN FLEXILINK 35 YEAR OLD MALE I NON-SMOKER I Face Amount: Php 2,000,000
I Age: 35
I Age: 50
+ FUND ACCUMULATION SECURE A BRIGHTER LIFE FOR YOU AND YOUR FAMILY
with CRITICAL ILLNESS COVERAGE of P 1 MILLION
Php 69,140* Php 64,110* Php 59,670* Php 56,980*
I Age: 40
I Age: 45
I Age: 55
FAMILY INCOME NEEDS LIABILITIES or DEBTS EXISTING CASH ASSETS
Php___________________ (income your family needs to maintain
their current standard of living)
X 12 months
÷ ____%
(reasonable interest rate today)
LIABILITIES
Php___________________ (e.g. house, car, personal loans, etc.)
+
EMERGENCY FUND
Php___________________ (3-6 months income to help meet the unexpected)
+
FINAL EXPENSES
Php___________________ (e.g. medical bills, funeral costs, estate taxes, etc.)
EXISTING LIFE INSURANCE COVERAGE
Individual : Php_________________
Group : Php_________________
+
CASH SAVINGS & INVESTMENT
: Php___________________
Php___________________ Amount Needed to Provide for the Family
PLUS: Php___________________ Amount Needed to Meet Liabilities
LESS: Php___________________ Total Cash Assets
HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF ENSURING FUTURE INCOME?
Shortfall/Surplus in Income Protection Needs: Php___________________
LET’S COMPUTE FOR YOUR PROTECTION FUND
ENSURE INCOME IN CASE OF ILLNESS
IT’S TIME FOR A
Brighter Life Decks – HEALTH PROTECTION 03.2015
ARE YOU FINANCIALLY PREPARED WHEN A SERIOUS ILLNESS STRIKES?
THE REALITY: CRITICAL ILLNESS IS INEVITABLE.
SOURCES: NSO – top 3 leading causes of death, 5 out of 10 Filipinos die of Heart Disease Statistics on chronic disease and cancer – WHO 2005/ / Various Critical Health Societies’ Websites/Philip S. Chua, FEU-NRMF February 2001
According to National Statistics Office (NSO), THE TOP 3 LEADING CAUSES OF DEATH are due to CRITICAL ILLNESS.
NSO 2009 data show that 5 out of 10 DEATHS are CARDIOVASCULAR in nature.
More than 12 million people
are diagnosed with CANCER every year.
25% of all chronic disease deaths occur in people UNDER 60 years old
Diseases of the heart
Cerebrovascular diseases (stroke) Malignant Neoplasms (cancer)
THE REALITY: SURVIVAL IS POSSIBLE BUT COSTLY.
SOURCES: SOLAR 2009 Costing study for selected hospitals in the Philippines: (www.doh.gov.ph/sites/default/files/Costing%Study%20for%20Selected%20Hospitals%20in%20the%20Philippines.pdf)
Average cost of CHEMOTHERAPY PER SESSION is
Php 60,000
a TRIPLE CARDIAC BYPASS SURGERY would normally cost an average of
Php 900,000
when done in St. Luke’s Medical Center
100 95%
WHO GET SICK
SACRIFICE THEIR SAVINGS
53%
BORROW FROM FAMILY MEMBERS
ENSURE INCOME IN CASE OF ILLNESS/INJURY BRIGHT CHOICE: CREATE A SAFETY NET
An illness not only affects you physically but financially as well.
When this happens, you are blocked from achieving your goals and dreams in life.
A health protection plan provides the safety net that would help you get back on your feet after a serious illness.
ILLNESS or INJURY ILLNESS or INJURY GOAL GOAL
PITFALL TO YOUR LIFE GOAL SAVINGS WILL BE USED TO RECOVER AND SURVIVE
HEALTH PROTECTION PLAN CASH BENEFITS TO PAY FOR MEDICAL BILLS,
REPLACE LOST INCOME AND FUND LONG-TERM RECOVERY
YOUR INCOME STOPS AND SO WILL YOUR
ABILITY TO SAVE
I Age: 60
I Age: 30
I Age: 42
I Age: 88
Php 128,020*
ANNUAL PREMIUMS
Get guaranteed cash benefits in case of hospitalization, critical illness or accidental death, while building an investment-linked fund for future health care needs.
I Age: 50
I Age: 35
*Sample Product Solution
SUN FLEXILINK ASSIST OWNER: 30 YEAR OLD I FEMALE I NON-SMOKER I Face Amount: Php 1,000,000 with Accident, Disability, Hospital Income (Php 2,000/day until age 60) and Critical Illness (Php 500,000 until age 70) Coverage. 100% Balanced Fund, Premium holiday after 10 years. Additional payments may be required after 10 years if fund value is insufficient to pay for the applicable charges. ** The Critical Illness coverage premium increases every 5 years *** Projected Value at 8% is not based on past performance and is not guaranteed ****Upon diagnosis of any of the 36 Critical Illnesses specified in the contract
What would happen in case of a serious illness or accident at any stage in your life?
I Age: 40
Php 128,545**
ANNUAL PREMIUMS
HOSPITALIZED FOR 15 DAYS
DIAGNOSED WITH CRITICAL ILLNESS
Receive Php 500,000 from CRITICAL
ILLNESS BENEFIT****
Receive Php 30,000 from HOSPITAL
INCOME COVERAGE
(Php 2,000/day X 15 days)
Php 7.2 MILLION at 8%***
Fund for health and long-term care needs
LIFE GOAL: PREPARE FOR HEALTH & ACCIDENT-RELATED EXPENSES
HEALTH PROTECTION
DESIRED COVERAGE
EXISTING COVERAGE
SHORTFALL / SURPLUS IN COVERAGE
HOSPITALIZATION LESS: Php
CRITICAL ILLNESS LESS: Php
ACCIDENT & DISABILITY
LESS: Php
HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF ENSURING INCOME IN CASE OF AN ILLNESS?
Let’s compute your Safety Net.
SAVE FOR LIFE MILESTONES
IT’S TIME FOR A
Brighter Life Decks – SAVE FOR LIFE MILESTONES 03.2015
IS YOUR MONEY EARNING ENOUGH?
SAVE FOR LIFE MILESTONES BRIGHT CHOICE: MAKE MONEY EARN MORE
TIME
Start as early as you can
INTEREST
Find better-than-inflation rates
MONEY
Save as much as you can
MAKING MONEY EARN MORE BRIGHT CHOICE: START SAVING EARLY (TIME)
How much money will you have if you SAVED EARLY?
Php 3.5 Million*
at age 60
Saved starting 25 years old Php 100,000 annually for 35 years
Php 3 Million*
at age 60
Saved starting 30 years old Php 100,000 annually for 30 years
Php 2 Million*
at age 60
Saved starting 40 years old Php 100,000 annually for 20 years
*Assuming the money does not earn any interest
MAKING MONEY EARN MORE BRIGHT CHOICE: SAVE AS MUCH AS YOU CAN (MONEY)
How much money will you have if you SAVED MORE?
Php 2 Million* Php 200,000 Annually saved for 10 years
Php 1.5 Million* Php 150,000 Annually saved for 10 years
Php 1 Million* Php 100,000 Annually saved for 10 years
*Assuming the money does not earn any interest
MAKING MONEY EARN MORE BRIGHT CHOICE: FIND BETTER INTEREST RATES (INTEREST)
How much money will you have if your money EARNS MORE?
Php 215,893 Invested Php 100,000
8% per annum for 10 years
Php 162,889 Invested Php 100,000
5% per annum for 10 years
Php 110,462 Invested Php 100,000
1% per annum for 10 years
MONEY (SAVINGS) INTEREST (ANNUAL RATE OF RETURN)
ANNUAL 4% 6% 8% 10%
Php 12,000 37 years 30 years 26 years 23 years
Php 24,000 25 years 21 years 19 years 17 years
Php 36,000 19 years 17 years 15 years 14 years
Php 48,000 16 years 14 years 13 years 12 years
Php 60,000 13 years 12 years 11 years 10 years
Number of Years needed to save Php 1 Million
MAKING MONEY EARN MORE TIME VALUE OF MONEY
How can you save Php 1 MILLION?
*compounded annually
TIME Start as early as you can
MONEY Save as much as you can
INTEREST Find better-than-inflation rates
MAKING MONEY EARN MORE BRIGHT CHOICE: INVEST TO BEAT INFLATION
How can you build your fund for your dream car?
Saved in a financial product earning 8% return,
Php 1,469,328
Saved in a 364 day time deposit earning 2.41%* return,
P 1,126,450 *Based on the 5-year historical 364-day time deposit rate
However, the Php 1,000,000 CAR COSTS Php 1,276,282** AFTER 5 YEARS.
at 5% inflationary increase
Two people SAVED Php 1,000,000 and did not touch it for 5 YEARS.
I Age: 45
I Age: 35
I Age: 45
I Age: 35
LIFE GOAL: OWN A REAL ESTATE
The money I don’t spend now is the money I will save to buy my own home.
How much do they need to set aside annually to build a Property Fund of Php 5 Million in 10 years?
364D-TIME DEPOSIT potentially earning 2.41% p.a.
Php 437,595 annually for 10 years*
**Sample Product Solution
SUN FLEXILINK1 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 83,875 I No Riders I 100% Balanced Fund with regular excess premiums from durations 2 to 10. The Death Benefit is equivalent to the higher of the Fund Value or the Face Amount plus the single premium plus 125% of each excess premium, less 125% of each partial withdrawal, if any. Additional payments may be required if fund value is insufficient to pay for the applicable fees. When the fund value of Sun FlexiLink1 is fully withdrawn, the life insurance coverage terminates. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected fund value is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 10 years.
Php 5,000,968***
PROPERTY FUND
Php 5,000,968***
PROPERTY FUND
SUN FLEXILINK1 potentially earning 8% p.a.
Php 335,500 annually for 10 years** WITH LIFE INSURANCE COVERAGE OF AT LEAST P 419,375
I Age: 65
I Age: 55
LIFE GOAL: GIFT FOR LOVED ONES
The money I don’t spend now is the money I can leave to my loved ones as a gift.
How much do I need to set aside to leave a Fund of Php 10 Million to my Loved Ones?
364D-TIME DEPOSIT potentially earning 2.41% p.a.
Php 7,880,910 lump sum payment*
**Sample Product Solution
SUN MAXILINK ONE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 1,161,725 I No Riders I 100% Opportunity Fund The Death Benefit is equivalent to the higher of the Fund Value or 125% of the single premium, less 125% of each partial withdrawal, if any. Under the Guaranteed Insurability Offer, the death benefit shall be limited to the fund value plus insurance charges paid in the event of Insured’s demise within the first two years from policy date, except if due to accident. When the fund value of Sun MaxiLink One is fully withdrawn, the life insurance coverage terminates. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected fund value is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 10 years.
Php 10 Million***
FUND FOR LOVED ONES
Php 10 Million***
FUND FOR LOVED ONES
SUN MAXILINK ONE potentially earning 8% p.a.
Php 4,646,900 lump sum payment** WITH LIFE INSURANCE COVERAGE OF AT LEAST PHP 5,808,625
INVESTED FOR
I Age: 65
I Age: 55
10 YEARS
INVESTED FOR
10 YEARS
HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF SAVING FOR LIFE MILESTONES?
Your life milestone:
in ________ years.
Php ______________________________ ------------
BUILD AN EDUCATION FUND
IT’S TIME FOR A
Brighter Life Decks – EDUCATION 03.2015
ARE YOU READY TO SEND THEM TO THE BEST SCHOOLS
IN SPITE OF THE RISING COST OF EDUCATION?
SCHOOL (Metro Manila) 2008* (SOURCE)
2015 (BASE YEAR)
2020 (IN 5 YEARS)
2025 (IN 10 YEARS)
2030 (IN 15 YEARS)
2035 (IN 20 YEARS)
UNIVERSITY OF ASIA AND THE PACIFIC 124,800 280,233 499,403 889,985 1,586,041 2,826,481
DE LA SALLE UNIVERSITY 110,448 248,006 441,971 787,635 1,403,644 2,501,431
ATENEO DE MANILA UNIVERSITY 90,613 203,468 362,600 646,189 1,151,572 2,052,215
ASSUMPTION COLLEGE 84,315 189,326 337,397 601,275 1,071,530 1,909,573
MAPUA INSTITUTE OF TECHNOLOGY 84,000 188,618 336,136 599,028 1,067,527 1,902,439
ST. SCHOLASTICA’S COLLEGE 75,072 168,571 300,410 535,360 954,064 1,700,237
COLEGIO DE SAN JUAN DE LETRAN 50,440 113,261 201,842 359,702 641,025 1,142,369
UNIVERSITY OF THE EAST 47,840 107,423 191,438 341,161 607,982 1,083,484
UNIVERSITY OF STO. TOMAS 45,062 101,184 180,320 321,349 572,675 1,020,563
ST. PAUL COLLEGE (Quezon City) 44,256 99,375 177,096 315,602 562,434 1,002,314
UNIVERSITY OF THE PHILIPPINES 36,000 80,836 144,058 256,726 457,512 815,331
THE REALITY: ANNUAL COLLEGE TUITION FEE IS ON THE RISE.
*Rates were increased by 12.25% annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.
SCHOOL (Provincial) 2008* (SOURCE)
2015 (BASE YEAR)
2020 (IN 5 YEARS)
2025 (IN 10 YEARS)
2030 (IN 15 YEARS)
2035 (IN 20 YEARS)
ATENEO DE NAGA 28,084 63,061 112,382 200,275 356,910 636,049
CEBU DOCTORS UNIVERSITY 38,237 85,859 153,010 272,679 485,941 865,995
LA CONSOLACION (Bacolod) 19,215 43,146 76,891 137,028 244,197 435,183
UNIVERSITY OF SAN CARLOS (Cebu) 26,490 59,482 106,003 188,908 336,652 599,948
ATENEO DE DAVAO, UNIVERSITY 37,952 85,220 151,870 270,647 482,319 859,540
CAGAYAN CAPITOL (Cagayan De Oro) 20,070 45,066 80,313 143,125 255,063 454,547
SCHOOL (Provincial) 2008* (SOURCE)
2015 (BASE YEAR)
2020 (IN 5 YEARS)
2025 (IN 10 YEARS)
2030 (IN 15 YEARS)
2035 (IN 20 YEARS)
ST. LOUIS UNIVERSITY (Baguio) 18,500 26,166 46,630 83,099 148,090 263,911
WEST VISAYAS STATE UNIV. (Iloilo) 20,420 28,881 51,469 91,723 163,459 291,301
SILIMAN UNIVERSITY (Dumaguete) 56,000 79,204 141,149 251,542 448,273 798,866
THE REALITY: ANNUAL COLLEGE TUITION FEE IS ON THE RISE.
**Rates were increased by 12.25% annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer. ***Rates were increased by 12.25% annually based on the 2012 Annual Tuition Fees published in the university’s website.
2 years of SENIOR HIGH SCHOOL
KINDERGARTEN
4 years of JUNIOR HIGH SCHOOL
6 years of ELEMENTARY
BUILD AN EDUCATION FUND BRIGHT CHOICE: MAKE MONEY EARN MORE TO KEEP UP WITH THE COST OF EDUCATION
TIME
Start as early as you can
INTEREST
Find better-than-inflation rates
MONEY
Save as much as you can
HOW MUCH WILL TUITION FEES COST BY THE TIME YOUR CHILD ENTERS COLLEGE?
*sample computation
ESTIMATED ANNUAL TUITION
FEE INCREASE IS
Php 100,000
I Age: 21
PRESENT ANNUAL COLLEGE TUITION FEE
12.25% Php 713,129
FUTURE ANNUAL COLLEGE TUITION FEE
17 YEARS TO COLLEGE
I Age: 20
I Age: 19
I Age: 18
I Age: 1
TARGET EDUCATION FUND:
Php 3.4 MILLION
Php 800,487
Php 898,547
Php 1,008,619
1st Year
2nd Year
3rd Year
4th Year
LIFE GOAL: BUILD A COLLEGE EDUCATION FUND HOW MUCH DO THEY NEED TO SET ASIDE ANNUALLY TO HAVE AN EDUCATION FUND OF Php 3.4 MILLION?
I Parent’s Age: 35 Child’s Age: 1
I Parent’s Age: 45 I
Child’s Age: 18
I Parent’s Age: 35 Child’s Age: 1
I Parent’s Age: 45 I
Child’s Age: 18
The money I don’t spend now is the money I will spend for my child’s college education.
*364D-Time Deposit, rolled over every year, projected return is based on the 5-year historical interest rate of 2.41% per annum. ***Projected value for education at 2.41% and 8% are not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 17 years.
**Sample Product Solution
SUN MAXILINK PRIME OWNER: 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: P 1,000,000 with Accident and Disability Coverage I 100% Balanced Fund Additional payments may be required if fund value is insufficient to pay the applicable fees.
364D-TIME DEPOSIT potentially earning 2.41% p.a.
Php 251,874 annually for 10 years*
SUN MAXILINK PRIME potentially earning 8% p.a.
Php 151,440 annually for 10 years**
PARENT WITH LIFE INSURANCE COVERAGE OF AT LEAST Php 2 MILLION
Php 3.4 MILLION***
EDUCATION FUND
Php 3.4 MILLION***
EDUCATION FUND
HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF BUILDING AN EDUCATION FUND FOR YOUR CHILD?
ESTIMATED ANNUAL TUITION
FEE INCREASE IS
Php__________
I Age: ___
PRESENT ANNUAL COLLEGE TUITION FEE
__________%
Php__________
FUTURE ANNUAL COLLEGE TUITION FEE
______ YEARS TO COLLEGE
I Age: ___
I Age: ___
I Age: ___
I Age: ___
TARGET EDUCATION FUND:
Php____________________________
Php__________
Php__________
Php__________
1st Year
2nd Year
3rd Year
4th Year
I Age: ___
LESS Future Value of Existing Savings: Php __________ Expected Fund: Php __________
CHILD’S NAME: ___________________________________
Php__________
5th Year
PREPARE A RETIREMENT FUND
IT’S TIME FOR A
Brighter Life Decks – RETIREMENT 03.2015
WOULD YOU LIKE TO BE FINANCIALLY FREE IN YOUR RETIREMENT YEARS?
THE REALITY: WHY SHOULD WE TAKE RETIREMENT SERIOUSLY?
SOURCES: Life Expectancy – National Statistical Coordination Board (YEAR) Out of 100 retirees Statistics – Study of Lifestyles, Attitudes & Relationships (SOLAR) 2007 Monthly Pension – SSS Contribution Table, Revision January 2007
NATIONAL STATISTICAL COORDINATION BOARD ESTIMATES LIFE EXPECTANCY TO BE AT
67.61 YEARS OLD FOR MALES
73.14 YEARS OLD
FOR FEMALES
AVERAGE MONTHLY PENSION IN THE PHILIPPINES IS ONLY
Php 8,000
ACCORDING TO IT’S TIME FINDINGS, OUT OF 100 RETIREES:
ONLY 2 ARE FINANCIALLY INDEPENDENT
45 STILL DEPEND
ON THEIR RELATIVES
23 CONTINUE TO WORK
30 RELY ON CHARITY
I Age: 35
I Age: 60
THE REALITY: RETIREMENT WILL COST MORE WITH INFLATION.
*Based on the figures published in the National Statistics website, average inflation rate for the past 15 years, specifically from 2000 to 2014, is 4.7%.
ANNUAL INFLATION
RATE IS
5%
Php 30,000
Php 101,591
25 years to RETIREMENT
PREPARE A RETIREMENT FUND BRIGHT CHOICE: BUILD PASSIVE INCOME
TIME
Start as early as you can
INTEREST
Find better-than-inflation rates
MONEY
Save as much as you can
BUILD PASSIVE INCOME BRIGHT CHOICE: START SAVING EARLY (TIME)
How much money will you have if you SAVED EARLY?
Php 2.5 Million*
at age 60
Saved starting 35 years old Php 100,000 annually for 25 years
Php 2 Million*
at age 60
Saved starting 40 years old Php 100,000 annually for 20 years
Php 1.5 Million*
at age 60
Saved starting 45 years old Php 100,000 annually for 15 years
*Assuming the money does not earn any interest
BUILD PASSIVE INCOME BRIGHT CHOICE: SAVE AS MUCH AS YOU CAN (MONEY)
How much money will you have if you SAVED MORE?
Php 2 Million* Php 200,000 Annually Saved for 10 years
Php 1.5 Million* Php 150,000 Annually Saved for 10 years
Php 1 Million* Php 100,000 Annually Saved for 10 years
*Assuming the money does not earn any interest
BUILD PASSIVE INCOME BRIGHT CHOICE: FIND BETTER INTEREST RATES (INTEREST)
How much money will you have if your money EARNS MORE?
Php 215,893 Invested Php 100,000
8% per annum for 10 years
Php 162,889 Invested Php 100,000
5% per annum for 10 years
Php 110,462 Invested Php 100,000
1% per annum for 10 years
MONEY (SAVINGS) INTEREST (ANNUAL RATE OF RETURN)
ANNUAL 4% 6% 8% 10%
Php 12,000 37 years 30 years 26 years 23 years
Php 24,000 25 years 21 years 19 years 17 years
Php 36,000 19 years 17 years 15 years 14 years
Php 48,000 16 years 14 years 13 years 12 years
Php 60,000 13 years 12 years 11 years 10 years
Number of Years needed to save Php 1 Million
BUILD PASSIVE INCOME TIME VALUE OF MONEY
How can you save Php 1 MILLION?
TIME Start as early as you can
MONEY Save as much as you can
INTEREST Find better-than-inflation rates
HOW MUCH WILL YOU NEED TO BECOME FINANCIALLY FREE IN YOUR RETIREMENT YEARS?
*sample computation
ESTIMATED ANNUAL
INFLATION RATE
5%
25 years to RETIREMENT
I Age: 35
I Age: 60
PRESENT ANNUAL COST OF LIVING
FUTURE ANNUAL COST OF LIVING
DIVIDED BY EXPECTED RETURN:
TARGET RETIREMENT FUND Php 24.4 MILLION
Php 1,219,088 Php 30,000
5%
LIFE GOAL: RETIREMENT FUNDING
I Age: 35
I Age: 45 I
Age: 60
I Age: 35
I Age: 45 I
Age: 60
The money I don’t spend now is the money I will spend for my Retirement.
**Sample Product Solution
SUN MAXILINK PRIME 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: P 500,000 with Accident and Disability Coverage, 100% Balanced Fund, Additional payments may be required if fund value is insufficient to pay for the applicable fees. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected value for retirement is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 25 years
SUN MAXILINK PRIME potentially earning 8% p.a. WITH LIFE INSURANCE COVERAGE OF AT LEAST Php 1 MILLION
364D-TIME DEPOSIT potentially earning 2.41% p.a.
Php 1,494,018 annually for 10 years*
Php 24.4 MILLION***
How much do they need to set aside annually to build a Retirement Fund of Php 24.4 Million?
Php 513,220 annually for 10 years** RETIREMENT FUND
Php 24.4 MILLION*** RETIREMENT FUND
I Age Today: ____
I Retirement Age: ____ _____ years to RETIREMENT
HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF PREPARING A RETIREMENT FUND?
ESTIMATED ANNUAL
INFLATION RATE
________%
PRESENT ANNUAL COST OF LIVING
FUTURE ANNUAL COST OF LIVING
DIVIDED BY EXPECTED RETURN:
TARGET RETIREMENT FUND Php
Php
Php
%
Future Value of Existing Savings:
Php
Expected Fund: Php
LESS:
PLAN YOUR ESTATE
IT’S TIME FOR A
Brighter Life Decks – ESTATE PLAN NING 03.2015
ARE YOU AWARE THAT IN THE EVENT OF DEATH, NOT EVERYTHING YOU ACCUMULATED WILL BE PASSED ON TO YOUR HEIRS?
THE REALITY
Your heirs will need to pay the government up to 20% of the value of your estate before it can be transferred to their names.
YOUR ESTATE
FINANCIAL ASSETS Bank Savings Account, Bonds, Stocks, Mutual Funds, UITFs
REAL ASSETS Real Estate Property, Business,
Vehicle, Collectibles
GOVERNMENT YOUR HEIR/S
ESTATE TAX COMPUTATION (WHAT YOU OWE TO THE GOVERNMENT BEFORE THEY TRANSFER YOUR ESTATE TO YOUR HEIRS)
OVER BUT NOT OVER YOUR TAX WILL BE PLUS OF THE EXCESS OVER
--- Php 200,000 Exempted
Php 200,000 Php 500,000 -NIL- 5% Php 200,000
PHp 500,000 Php 2,000,000 Php 15,000 8% Php 500,000
Php 2,000,000 Php 5,000,000 Php 135,000 11% Php 2,000,000
Php 5,000,000 Php 10,000,000 Php 465,000 15% Php 5,000,000
Php 10,000,000 and over Php 1,215,000 20% Php 10,000,000
THE REALITY
“In this world, nothing can be said
to be certain, except DEATH and TAXES”
SAMPLE COMPUTATION Your Net Estate : Php 30,000,000 Estate Tax Computation : Php 1,215,000 + (Php 20,000,000 x 20%)
Total Estate Tax : Php 5,215,000
- Benjamin Franklin
PLAN FOR YOUR ESTATE BRIGHT CHOICE: CREATE A LIQUID FUND TO SETTLE YOUR ESTATE TAXES
* Annual premium starts at Php 55,809 and increases every 5 years. Total premium is the amount payable assuming that the client lives within the plan’s coverage period (Age 55 to 75).
Sample Product Solution
SUN SAFER LIFE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 2,607,500
Life Insurance is the only financial vehicle that can ensure efficient transfer of your wealth.
Php 30 MILLION NET ESTATE
Pay the Government
Php 5,215,000 in Estate Taxes out-of-pocket
Php 24,785,000
TOTAL NET ESTATE
Php 30 MILLION TOTAL NET ESTATE
Php 30 MILLION NET ESTATE
Secure Life Insurance coverage of
Php 5,215,000 and pay
Php 2,120,857 in Total Premiums*
ASSET MARKET VALUE
REAL ASSETS (Real Estate, Business, Cars, etc.)
Php 20,000,000
FINANCIAL ASSETS (Bank Savings Accounts, Bonds, Stocks, Mutual Funds, UITFs, etc.)
Php 10,000,000
TOTAL MARKET VALUE Php 30,000,000
TOTAL ESTATE TAX Php 5,215,000*
LESS: EXISTING INSURANCE Php 2,000,000
TOTAL (SHORT FALL) Amount needed to pay for Estate Taxes Php 3,215,000
HOW MUCH LIQUID FUND DO YOU NEED TO PRESERVE THE VALUE OF YOUR ESTATE?
*Estate Tax may vary depending on the value of assets upon death
LIFE GOAL: BEST VALUE ESTATE PRESERVATION PLAN PRESERVE THE VALUE OF YOUR ESTATE
Php 3,215,000**
DEATH BENEFIT
Ensure efficient transfer of your wealth through term life insurance
Php 1,310,555 in TOTAL PREMIUMS versus
Php 3,215,000 in LUMP SUM CASH for ESTATE TAXES
* Renewable every 5 years. Total premiums is the amount payable assuming that the client lives within the plan’s coverage period (Age 55 to 75). ** Not subject to estate tax if beneficiary designation is irrevocable.
Sample Product Solution
SUN SAFER LIFE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 1,607,500
I Age: 55
I Age: 70
MINIMAL INCREASE WITH MAXIMUM COVERAGE
Php 108,488* Php 69,233* Php 49,831* Php 34,559*
I Age: 60
I Age: 65
I Age: 75
ASSET MARKET VALUE
REAL ASSETS (Real Estate, Business, Cars, etc.)
FINANCIAL ASSETS (Bank Savings Accounts, Bonds, Stocks, Mutual Funds, UITFs, etc.)
TOTAL MARKET VALUE
TOTAL ESTATE TAX
LESS: EXISTING INSURANCE
TOTAL (SHORT FALL) Amount needed to pay for Estate Taxes
How much do you need to make the BRIGHT CHOICE of creating a fund to preserve the value of your ESTATE?
LET’S COMPUTE FOR YOUR LIQUID FUND
MONEY FOR LIFE PRODUCT SOLUTIONS FOR
GETTING STARTED
MONEY FOR LIFE PRODUCT SOLUTIONS ADVISOR’S REFERENCE
MONEY FOR LIFE PRODUCT SOLUTIONS FOR
MOVING UP
MONEY FOR LIFE PRODUCT SOLUTIONS FOR
PREPARING AHEAD
MONEY FOR LIFE PRODUCT SOLUTIONS FOR
LEAVING A LEGACY
LIFE PROTECTION PRODUCTS
SAVING LEVEL PRODUCTS
LOW SUN Safer Life 5YRCT - Safer Life Rider (5YRCT)
MEDIUM SUN StartUp SUN Smarter Life Classic
WEALTH PRODUCTS
RISK/SPECIAL FEATURES
GENERAL
MEDIUM Sun FlexiLink Sun FlexiDollar
HIGH Sun FlexiLink 1 Sun FlexiLinkDollar 1
HEALTH AND ACCIDENT PRODUCTS
COVERAGE HI & HS CRITICAL ILLNESS (CI) ACCIDENTAL DEATH,
DISMEMBERMENT AND DISABLEMENT
DISABILITY
ESSENTIAL
Sun First Aid Sun LifeAssure Living Benefit Rider (LBR)
Accidental Death Benefit Rider (ADB)
Total Disability Benefit Rider (TDB) Advance Payment Disability
Benefit Rider (APDB) Contingent Benefit
Upon Disability Rider (CBTD) Waiver of Premium Coverage
After Death of Initial Owner Rider (WPD) Waiver of Premium Coverage Upon Death or Disability
of Initial Owner Rider (WPDD)
COMPREHENSIVE
Accidental Death, Dismemberment and Disablement Rider (ADDD)
MONEY FOR LIFE PRODUCT SOLUTIONS FOR GETTING STARTED
HEALTH AND ACCIDENT PRODUCTS
COVERAGE HI & HS CRITICAL ILLNESS (CI) PREGNANCY CARE HEALTH FUND ACCIDENTAL DEATH, DISMEMBERMENT &
DISABLEMENT DISABILITY
ESSENTIAL
Sun First Aid Hospital Income
Benefit Rider (HIB)
Sun LifeAssure Living Benefit Rider
(LBR) Critical Illness
Benefit Rider (CIB)
Accidental Death Benefit Rider (ADB)
Total Disability Benefit Rider (TDB) Advance Payment Disability Benefit Rider
(APDB) Contingent Benefit Upon Disability Rider
(CBTD) Waiver of Premium Coverage After Death of
Initial Owner Rider (WPD) Waiver of Premium Coverage Upon Death or
Disability of Initial Owner Rider (WPDD)
COMPREHENSIVE
Sun Maiden Female Critical
Illness Benefit Rider (FCI)
Sun Maiden Plus Female Critical Illness
and Maternity Benefit Rider (FCIM)
Sun FlexiLink Assist
Accidental Death, Dismemberment and Disablement Rider (ADDD)
LIFE PROTECTION PRODUCTS
SAVING LEVEL PRODUCTS
MEDIUM SUN Smarter Life Classic
HIGH SUN Smarter Life Elite
WEALTH PRODUCTS
RISK/SPECIAL FEATURES GENERAL EDUCATION
LOW Sun Acceler8 Sun Dream Achiever
MEDIUM
Sun FlexiLink Sun FlexiDollar Sun MaxiLink Prime Sun MaxiLink Bright
HIGH Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun Life Prosperity Funds
MONEY FOR LIFE PRODUCT SOLUTIONS FOR MOVING UP
HEALTH AND ACCIDENT PRODUCTS
COVERAGE HI & HS CRITICAL ILLNESS (CI) HEALTH FUND ACCIDENTAL DEATH,
DISMEMBERMENT AND DISABLEMENT
DISABILITY
ESSENTIAL
Sun First Aid Hospital Income Benefit
Rider (HIB)
Sun LifeAssure Living Benefit Rider (LBR) Critical Illness Benefit Rider
(CIB)
Accidental Death Benefit Rider (ADB)
Total Disability Benefit Rider (TDB)
Waiver of Premium Coverage After Death of Initial Owner Rider (WPD)
Waiver of Premium Coverage Upon Death or Disability of Initial Owner Rider (WPDD)
COMPREHENSIVE Sun Flexilink Assist
WEALTH PRODUCTS
RISK/SPECIAL FEATURES GENERAL INVESTMENT DIVERSIFICATION
LOW Sun Acceler8
MEDIUM Sun MaxiLink Prime Sun MaxiLink Bright
Sun Dollar Maximizer*
HIGH
Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun MaxiLink One Sun MaxiLink Dollar One Sun Life Prosperity Funds
LIFE PROTECTION PRODUCTS
SAVING LEVEL PRODUCTS
HIGH SUN Smarter Life Elite
MONEY FOR LIFE PRODUCT SOLUTIONS FOR PREPARING AHEAD
*limited offer product
LIFE PROTECTION PRODUCTS
SAVING LEVEL PRODUCTS
LOW SUN Safer Life
HEALTH AND ACCIDENT PRODUCTS
COVERAGE HEALTH FUND
COMPREHENSIVE Sun Flexilink Assist
WEALTH PRODUCTS
RISK/SPECIAL FEATURES
GENERAL INVESTMENT DIVERSIFICATION
MEDIUM Sun MaxiLink Prime Sun MaxiLink Bright
HIGH
Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun MaxiLink One Sun MaxiLink Dollar One Sun Life Prosperity Funds
Sun Dollar Maximizer*
MONEY FOR LIFE PRODUCT SOLUTIONS FOR LEAVING A LEGACY
*limited offer product