INDIVIDUAL

SUN Safer Life

is a 5-year renewable and convertible term life insurance product that provides

guaranteed maximum protection, keeping your family's future safe as you leave nothing to chance. Premium for this product
is generally more affordable than most permanent life insurance product, thus, giving you enough protection at a cost that
fits your budget.
With SUN Safer Life, you can enjoy longer protection even until your golden years as it automatically renews every 5 years
regardless of your health condition. Plus, it allows you to convert your policy to any of Sun Life's eligible life insurance
products without having to undergo the process of applying for new life insurance coverage.
To summarize, below are the benefits of SUN Safer Life:

Valuable life insurance coverage equal to 200% of the Face Amount.

Additional protection in case of insured's total and permanent disability and accidental death.
Longer protection until your golden years with the automatic renewal1 of coverage
Conversion2 to any eligible life insurance product without hassle.

Note: The above benefits are subject to the specific guidelines set by the Company and the actual
provisions on the insurance policy contract.
1
SUN Safer Life is automatically renewed every 5 years without evidence of insurability up to age 74, with
premium adjustment every 5th anniversary of the policy.
2
SUN Safer Life may also be converted, in whole or in part, to any eligible life or endowment insurance
product (including VUL) prior to the policy anniversary on or following the insured's age 65. Any additional
benefit contained in the original policy may be included in the new policy if premiums are payable for life.

SUN Smarter Life

Individual insurance
SUN Smarter Life is a protection product that provides double life insurance coverage starting Day 1 until age 100, while the
insured lives, thereby ensuring a financially secure future for the family no matter what happens. On top of this, the product
provides living benefits in the unfortunate event of terminal illness or emergencies. Proving smart options to maximize
protection are supplementary benefits for accidental death and waiver of payments upon death or disability of insured or
payor, which may be added to the plan for a minimal amount.
Clients can choose between the Classic variant which provides basic insurance protection until Age 100, or the Elite variant
which provides LIFETIME guaranteed cash payouts. Each cash payout is fixed at 8% of the face amount given starting at
the end of the 6th year and every other year onwards until Age 100. These cash benefits may be used to help fund other
financial needs such as paying for child's education, family vacation, or they may be used as pension allowance during
retirement years.
To summarize, below are the benefits of SUN Smarter Life:

Lifetime insurance protection, equal to 200% of the face amount starting on Day 1 until Age 100, as long as the
insured lives

Lifetime guaranteed cash benefits equal to 8% of the face amount starting at the end of the6th year and every
other year thereafter, until Age 100 (Available to the Elite variant only)
Living benefits in the form of guaranteed cash values and dividends*

Flexible payment options (5-Pay, 10-Pay or Regular Pay)

Acceptance age of up to 80 years old

*Dividends are not guaranteed

Sun Acceler8
Individual insurance
Sun Acceler8 is a protection and savings product in one that provides guaranteed cash benefits at specific periods
throughout the duration of the policy, plus a lump sum maturity benefit at the end of 20 years. What makes this product
unique is that both the insurance coverage and the guaranteed cash benefits accelerate over time, addressing potential loss
of value of ones money brought about by inflation.
The guaranteed benefits of the product may be withdrawn to alleviate education funding needs, or may be accumulated as a
starter retirement fund.
As the name suggests, the features of the product revolve around the number 8:

8 years guaranteed paying period

Guaranteed cash benefits starting at the end of the 8th year and every two years thereafter, until the 20th year
Total guaranteed cash benefits equals 200% of the Face Amount
- Cash benefit starts at 8% of the Face Amount, increasing by 2% of the Face Amount every two years, up to a
maximum of 20% of the Face Amount
- Lump sum maturity benefit amounting to 102% of the Face Amount, given at the end of 20 years
Life insurance coverage for 20 years, starting at 100% of the Face Amount and increasing by 16% of the Face
Amount for the first 8 years until it reaches the maximum coverage of 228% of the Face Amount
Special bonus given after 8 years, and dividend earnings starting on the 9th year*

*Special bonus and dividend earnings are not guaranteed

Sun LifeAssure
Individual insurance
Sun LifeAssure is a nonparticipating peso-denominated five-year renewable term life plan with critical illness benefit.
Offering the broadest coverage for critical illness insurance in the market today, Sun LifeAssure is a five-year renewable
term plan that pays the face amount either upon death of the life insured or if life insured is diagnosed, while living, to have
any of the 36 specified critical illnesses and, where applicable, has undergone any specified surgeries before the insured
attains age 70.
Covered critical illnesses include heart attack, cancer, stroke, multiple sclerosis and others. Special premium rates are also
available for non-smokers^.
Critical Illnesses
1. Heart Attack
2. Stroke
3. Cancer
4. Kidney Failure
5. Dissecting Aortic Aneurysm
6. End Stage Lung Disease
7. Progressive Muscular Atrophy
8. Major Burns
9. Multiple Sclerosis
10. Paralysis
11. Total Blindness
12. Loss of Limbs
13. Aplastic Anaemia
14. Bacterial Meningitis

15. Benign Brain Tumour

16. Deafness
17. Encephalitis
18. Amyotrophic Lateral Sclerosis (ALS)
19. Progressive Bulbar Palsy (PBP)
20. Meningeal Tuberculosis
21. Cerebral Metastasis
22. Loss of Speech
23. Coma
24. Parkinsons Disease
25. Terminal Illness
26. Medullary Cystic Disease
27. Alzheimers Disease
28. Fulminant Hepatitis
29. Major Head Trauma
30. End Stage Liver Failure
31. Motor Neurone Disease
32. Guillain-Barre Syndrome
Critical Illnesses Requiring Surgery
Critical Illnesses Requiring Surgery means any of the surgeries specified and defined as follows:
33. Major Organ Transplant
34. Coronary Artery Bypass Surgery
35. Surgery for Disease of the Aorta (Aortic Surgery)
36. Replacement of Heart Valve

Sun Maiden and Sun Maiden Plus are insurance packages specially designed for
women which provide the following benefits:
FINANCIAL ASSISTANCE
Cushions the financial impact of common female-specific illnesses and surgeries such as cancer, osteoporosis and
hysterectomy to name a few.
HEALTH WELLNESS BENEFIT
Makes available free diagnostic or preventive procedures during the first 10 years of coverage to help women remain in tiptop shape.
LIFE INSURANCE COVERAGE
Guarantees security against the unforeseen with life cover until age 65.
ADD-ON BENEFITS
Customizes the coverage to include accident benefits, critical illness benefits, or waiver of payment upon disability.
AFFORDABLE PAYMENT OPTIONS
Answers womens health and protection needs in one reasonable package with monthly payments starting at Ps. 676.00.
MATERNITY BENEFIT (only for Sun Maiden Plus)
Provides cash support for up to 3 childbirths in addition to financial aid in case of pregnancy-related complications..

Sun Dream Achiever

Individual insurance
Sun Dream Achiever is a life insurance product and savings in one with guaranteed education benefits paid in four (4)
annual installments starting on the year chosen by the insured, regardless of school and course.
The product has the following benefits to help every parent give the best for their children:

Life Insurance Coverage

Protects the life of the insured Parent or Payor for the entire duration of the policy, ensuring that the child can continue his
education no matter what happens.
Guaranteed Education Benefits
Provides four (4) annual cash payouts that increase by 15% every year regardless of school or course chosen, where total
cash benefits equal to 100% of the insurance coverage.
Dividend Earnings
Boosts the protection benefits and/or cash payouts of the insured Parent or Payor. The dividend earnings are not
guaranteed and dependent on Company performance.
Flexible Cash Payout Options
Gives the insured the option to choose when the cash payouts will start -- from 12 to 17 years after the policy effective date.
This allows the insured Parent or Payor to use the cash payouts as high school or college education stipends.
Short Paying Period
Fully pay the policy in five (5) years.
Simplified Application
Speeds up the application process for the first Ps. 500,000 coverage through the Simplified Issue Offer.

Sun First Aid

Individual insurance
Sun First Aid is an affordable hospital income plan that helps defray the cost of hospitalization. Its money back feature gives
you the unique benefit of receiving cash whether you get hospitalized or not.
Hospitalization Benefits

Daily cash benefit for each day of hospital confinement

Additional cash benefits if hospital confinement exceeds 30 days

Additional cash benefits if confined in an intensive care unit

Surgical cash benefits based on a benefit schedule

Cash benefits paid directly to you

Protection Benefits

Life insurance coverage

Accident coverage

Waiver of premiums in case of disability

Money Back Feature

50% or 75% return of all premiums paid at the end of ten years

Sun StartUp

is a ten (10) pay, peso denominated, nonparticipating endowment insurance product

maturing at the end of 10 years.

This product guarantees payment of the face amount upon death of the life insured; and return of a portion of the premiums
paid when life insured outlives the 10-year period.

Affordable Payment Option

Secure the future of your loved ones for less than Ps. 500.00 per month
Life Insurance Coverage

Gets you started with life cover for 10 years.

Money Back Feature
Returns a portion of the premiums you've paid after 10 years
Add-on Benefit
Enhances your plan to include coverage against accidents.
Hassle-Free Application
Easy to apply through its simplified application process.

Supplementary Benefits Overview

Individual insurance
Supplementary Benefits
Supplementary Benefits or Riders are also available to enhance your basic insurance plan.
Accidental Death Benefit
This benefit pays an additional amount if death is due to accident.
Accidental Death, Dismemberment and Disablement Benefit
It pays an additional amount for death, dismemberment or total disability due to accident.
Total Disability Benefit
It waives premiums if the insured becomes totally and permanently disabled.
Waiver of Premium Upon Death of the Initial Owner
It waives premiums before attainment of age 21 by the life insured child in case of death of the initial owner.
Waiver of Premium upon Death or Disability of the Initial Owner
It waives premiums before attainment of age 21 by the life insured child in case of total and permanent disability or death of
the initial owner.
Critical Illness Benefit Rider
It pays an amount when the insured is diagnosed with any of the critical conditions listed in the policy contract.
Advance Payment Disability Benefit
It advances the face amount in 10 equal installments in the event the insured becomes totally and permanently disabled
before age 60.
Hospital Income Benefit
It pays a daily hospital income in case of hospitalization of the insured. The daily hospital income doubles in case of
confinement in an intensive care unit or confinement due to dread disease.

Female Critical Illness Benefit

It provides a percentage of the female benefit amount upon diagnosis of any of the female-specific illnesses listed in the
policy contract.
Female Critical Illness and Maternity Benefit
In addition to the benefits of Female Critical Illness Benefit, it provides financial assistance upon diagnosis of any of the
pregnancy-related complications listed in the policy contract or if insured delivers a child.
Contingent Benefit Upon Total Disability
It pays 10% of the face amount annually during total disability and payable until the policy anniversary before the first
education benefit payout. Attachment of this benefit is subject to regular underwriting.
Term 90 - Yearly Renewable and Convertible Term Benefit
Term 90 - Yearly Renewable and Convertible Term Plan renews every year at the attained age premium and can be
converted to a permanent plan.
Term 90 - 5 Year Renewable and Convertible Term Benefit
Term 90 - 5 Year Renewable and Convertible Term Plan renews every 5 years at the attained age premium and can be
converted to a permanent plan.
Sun Forex Yearly Renewable and Convertible Term Benefit
Sun Forex Yearly Renewable and Convertible Term Benefit provides additional life insurance coverage which renews every
year at the attained age premium and can be converted to a permanent plan.
Sun Forex 5 Year Renewable and Convertible Term Benefit
Sun Forex 5 Year Renewable and Convertible Term Benefit renews every 5 years at the attained age premium and can be
converted to a permanent plan.
Living Benefit Rider
It advances 60% of the face amount, subject to the prior deduction of any outstanding advances (loans) with interest, in case
the insured is diagnosed to be terminally ill with a life expectancy of 12 months or less. This is provided with no additional
premium. The sum of all Living Benefit Amounts payable on all Sun Life policies of the life insured shall not exceed Ps. 2
Million. Interest is charged on advances, including the Living Benefit amount paid, at a specified rate of interest as declared
by the Company.
Safer Life Rider - 5 Year Renewable and Convertible Term
Safer Life Rider is a non-participating 5-year renewable and convertible term life insurance that can be attached to SUN
Smarter Life Classic/Elite Peso 5, 10, and Regular Pay. The rider helps boost the insurance coverage of up to 12 times the
face amount of the base plan at a generally lower premium compared to the corresponding premium for increasing the face
amount of the basic plan.

Plans
Sun FlexiLink Assist

Sun FlexiLink Assist is an insurance package that provides you with a complete suite of life, accident, disability and health
protection benefits, with potential for wealth accumulation.
It gives you comprehensive health benefits which lessen the burden of medical expenses. Itsprotection benefits let you
worry less about lifes uncertainties while its investment component gives you the opportunity to build funds for your familys
future needs or for your long-term care requirements when you reach your golden years.
Comprehensive Health Benefits
Be prepared for the possibility of the costly treatment of a critical illness, hospitalization due to illness, accident or
intensive care confinement with guaranteed cash benefits regardless of the actual medical expenses. Keep your
investment funds intact while the comprehensive health benefits cover your medical expenses.
Guaranteed Life Insurance Protection
Secure your familys future with life insurance protection that is equal to your policys Face Amount plus Fund Value.

Your coverage is guaranteed not to fall lower than 500% of your regular premium plus 125% of each excess premium
less 125% of each partial withdrawal, if any. Enjoy this benefit for as long as your policy is in-force or until you reach age
88.
Flexible Investment Fund
Select from several investment fund options with historically better yields than traditional savings instruments. Sun Lifes
top-notch investment professionals prudently invest a portion of the premiums you pay to maximize the potential growth
of your funds. When times get tough, you may use the value of your investment as a contingency fund (through partial
withdrawals) or as a health fund in your later years. Or you can use your fund to fulfill your other goals!
Accident and Disability Protection
Receive protection in the event of accidental death and get assurance that your policy premiums will be taken care of in
case of total and permanent disability.
Flexible Payment Choices
Choose from easy and flexible payment choices depending on your financial capability. Pay in minimum period of 5, 10
or 20 years and avail of premium holiday option.
Loyalty Bonus
Keep your policy active for at least 10 years and receive a Loyalty Bonus! This may be credited to your policy in the form
of units at the end of the 10th year and every five years thereafter as long as your policy is in force.
Note: The above benefits are subject to the specific guidelines set by the Company and the actual provisions of the insurance policy contract.

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Sun MaxiLink Dollar One

Sun MaxiLink Dollar One is a dollar-denominated, investment-linked life insurance product that lets you boost the value of
your dollars by investing into global funds. With NO UPFRONT CHARGES, your dollars are fully invested to achieve the
best possible returns while you enjoy financial security and peace of mind with its life insurance coverage*.
With Sun MaxiLink Dollar One, you can reap rewards when you keep your policy active for at least ten (10) years. Starting at
the end of the 10th policy anniversary and every five (5) years thereafter, you may receive a Loyalty Bonus** that is currently
equal to 2% of the average monthly fund balance of the preceding 5 years.
Whats more, application is hassle-free with its Guaranteed Issue Offer, subject to applicable limits and conditions.
*Life insurance coverage shall be equivalent to 125% of the single premium, less 125% of withdrawals made, until age 88. For policies issued under the
guaranteed issue offer, the death benefit shall be limited to the fund value plus insurance charges paid in case of the insureds untimely demise within two (2)
years after the policy issue date, except if death is due to accident.

**Loyalty Bonus is not guaranteed and shall depend on the actual performance of the fund.

Note: The benefits are subject to the specific guidelines set by the company and the actual provisions of the insurance policy contract.

Sun Dollar Maximizer (Emerging Asia) **limited-offer only!

Sun Dollar Maximizer (Emerging Asia) is a single pay, US dollar-denominated, investment-linked insurance product that
matures in seven (7) years and allows you to participate in the equities of eight (8) high-growth Emerging Asian economies China, South Korea, Taiwan, Indonesia, Malaysia, Thailand, Vietnam and the Philippines without the fear of losing your
capital.*

Enhance your dollars earning potential through Sun Dollar Maximizer (Emerging Asia):

Diversification through High-Growth Asian Assets

For a minimum of US $8,000, you can seize the worlds bright spots for foreign investments!
The premiums shall be invested in exchange-traded funds of eight (8) Emerging Asian economies - assets that have
shown stronger potential for future growth and are difficult to invest in as an individual client.
Guaranteed Life Insurance Coverage
Gives added financial security by protecting the life of the insured with coverage of at least 125% of the single payment.
For policies issued under the Guaranteed Insurability Offer (GIO), the amount of coverage shall be limited to the fund
value plus charges in case of the insureds death within the first 2 years from policy effective date, except if due to
accident.
100% Capital Protection*
Attain peace of mind knowing that you will receive your FULL single payment at the end of the seven-year period
regardless of fund performance.
Optimized Returns
You need only one good year to maximize returns because of the products Best Performance, Look-Back feature,
where the highest cumulative annual performance within the seven-year period is used to determine the participation on
earnings. The product has a Volatility Control Mechanism that cushions the investment downside during times of market
fluctuations.
Guaranteed Acceptance
Hassle-free application and policy approval through the guaranteed insurability offer, subject to certain limits.

Seize the bright spots of Asia with Sun Dollar Maximizer (Emerging Asia).
Call your Sun Life Advisor now or contact us through 849-9888 or sunlink@sunlife.com for inquiries.

*Capital protection is subject to the ability of the note issuer to perform its obligations and the absence of a credit event of
the Republic of the Philippines.

Sun MaxiLink One

Sun MaxiLink One is a single-pay, peso-denominated, protection and savings product that offers an opportunity for faster
accumulation of fund value because it has no initial charges. It provides life insurance coverage* to the insured PLUS the
flexibility to choose where your money will be invested, depending on your risk appetite and financial objectives, to maximize
your moneys earning potential.

Policies that remain active for at least 10 years shall also be rewarded with a loyalty bonus currently equivalent to 2% of the
policys average fund for the last 5 years. The loyalty bonus is payable at the end of the 10th year and every 5 years
thereafter as long as the policy remains active.

Whats more, Sun MaxiLink One guarantees your acceptance if the single premium is within the age and other limits of the
guaranteed issue offer.

*Life insurance coverage shall be equivalent to 125% of the single premium, less 125% of withdrawals made, until age 88. For policies issued under
the guaranteed insurability offer, coverage shall be limited to the fund value plus insurance charges paid in case of the insureds demise within two
years after the policy issue date, except if due to accident.

Sun FlexiLink
The Sun FlexLink is a peso-denominated variable life insurance plan that provides financial protection PLUS the flexibility to
choose where your premium payments will be invested. Our top-notch investment professionals will carefully invest a portion
of the premiums you pay so you get the best out of your hard-earned peso.

Available Riders for Sun FlexiLink

Select an option

Please select an available rider from the selection menu

Sun FlexiDollar
The Sun FlexiDollar is a dollar-denominated variable life insurance plan that provides financial protection PLUS the flexibility
to choose where your premium payments will be invested. Our top-notch investment professionals will carefully invest a
portion of the premiums you pay -- so you get the best out of your hard-earned dollar.

Available Riders for Sun FlexiDollar

Select an option

Please select an available rider from the selection menu

Sun FlexiLink1
Sun FlexiLink1 is a single pay peso denominated variable life insurance plan that provides financial protection PLUS the
flexibility to choose where your premium will be invested. Our top-notch investment professionals will carefully invest a
portion of the premium you pay so you get the best out of your hard-earned peso.

Available Riders for Sun FlexiLink1

Select an option

Please select an available rider from the selection menu

Sun FlexiDollar1
Sun FlexiDollar1 is a single pay dollar denominated variable life insurance plan that provides financial protection PLUS the
flexibility to choose where your premium will be invested. Our top-notch investment professionals will carefully invest a
portion of the premium you pay so you get the best out of your hard-earned dollar.

Available Riders for Sun FlexiDollar1

Select an option

Please select an available rider from the selection menu

Sun MaxiLink Prime

The Sun MaxiLink Prime is a peso denominated variable life insurance plan that provides financial protection PLUS a
potential source of savings that can fund future needs like retirement income through its investment earnings. There are 5
funds to choose from where your premium payments will be invested in. These funds are managed actively and prudently by
our top-notch investment professionals. Sun MaxiLink Prime is payable for at least 10 years*

* The premium paying period is not guaranteed. You may be required to pay additional premiums after 10 years if the fund value is insufficient to pay
charges.

Available Riders for Sun MaxiLink Prime

Select an option

Please select an available rider from the selection menu

Sun MaxiLink Bright

Sun MaxiLink Bright is a peso denominated variable life insurance plan that provides financial protection PLUS a potential
source of savings. It enhances your money's growth potential to fund future needs like education through its investment
earnings. There are 5 funds to choose from where your premium payments will be invested in. These funds are managed
actively and prudently by our top-notch investment professionals. Sun MaxiLink Bright is payable for at least 5 years*

* The premium paying period is not guaranteed. You may be required to pay additional premiums after 5 years if the fund value is insufficient to pay
charges.

Available Riders for Sun MaxiLink Bright

Select an option