Sun MaxiLink Prime
Sun MaxiLink Prime
Sun MaxiLink Prime
Make a bright choice with Sun MaxiLink Prime, an investment-linked life insurance product that primarily helps address your
need for:
The addition of supplements or riders may also provide protection for contingencies such as accidents, disability and
hospital confinements due to illnesses.
Note: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance
policy contract.
2The values above are computed based on 8% projected return which is subject to change and is not guaranteed by Sun Life. Projected values are net of
Equity
all current charges.
This is for information purposes only and is not a contract of insurance. For more information on the above benefits and additional details, please refer to the product proposal attached herein.
Variable Life Insurance Proposal
In the Philippines, insurance products are being offered through Sun Life of Canada (Philippines), Inc., a member of the Sun Life
Financial group of companies. In this proposal, you and your refer to the policy owner while we, us, our and the Company refer to
Sun Life of Canada (Philippines), Inc.
Proposal Information
On the Life of : Frederick Corbeza Age Last Birthday : 36 (Male)
Currency : Philippine Peso
Basic Plan Benefit Amount Regular Premium
Sun MaxiLink Prime - Non-Smoker Ps 750,000.00 Ps 46,365.00
Additional Benefits
Total Disability Benefit (Waiver of Premium) - TDB Ps 877.50
Accidental Death Benefit - ADB Ps 500,000.00 Ps 825.00
Critical Illness Benefit - CIB Ps 500,000.00 Ps 2,510.00
Class: Standard Total Initial Annual Regular Premium Ps 50,577.50
Annual Excess Premium (to be Billed Regularly) Ps 9,422.50
Total Initial Annual Premium (to be Billed Ps 60,000.00
Regularly)
Excess Premium (One-time) Ps 0.00
Sun MaxiLink Prime is a variable life insurance product until age 88 payable for 10 years*. The living benefit is equal to the fund
value, which is partially or fully withdrawable from the policy's share in the separate account(s). The death benefit is the higher of
the sum of 200% of the face amount and the fund value or the minimum death benefit. The minimum death benefit is equal to
500% of the regular premium plus 125% of each paid excess premium, if any, less 125% of each partial withdrawal, if any. No
other benefits are payable under this product.
The policy is a variable contract. Only the face amount is guaranteed. The rest of the benefits, namely the fund value and the actual
death benefit payable depend on the investment experience of separate account(s) linked to the policy.
The investment risks associated with this product are borne solely by the policy owner.
If you decide the policy is not suitable for your needs, then you may return said documents for cancellation by giving us written
notice. We must receive such notice within 15 days from the date you receive the policy. We will refund the fund value of the units
allocated to your policy inclusive of the initial charges.
Notes:
(i) All payments and benefits shown are in Philippine pesos.
(ii) The illustrations assume that all premiums are paid in full when due and as planned with no premium holiday, you will have no withdrawals on the
policy beyond those illustrated, mode of payment is annual and the current scale of charges remains unchanged.
(iii) The Company reserves the right to adjust the basic and rider premium, and any charges in this plan.
(iv) The above values are illustrations only of the key features of the recommended insurance plans. This illustration may differ from any earlier
proposal illustration.
(v) The values in the succeeding pages are illustration of possible performance of your fund. Since the fund performance may vary, the values of your
units are not guaranteed and will depend on the actual investment performance at that given period. The value of the policy could be less than the
premiums paid.
(vi) Any excess premium you have paid is considered such only if the Annual Regular Premium has been fully paid. The Company may require evidence
of insurability of the Life Insured with respect to payment of any excess premium.
(vii) *Premium payment period of 10 years is not guaranteed. You may still be required to pay additional premium after 10 years if the fund value is
insufficient to pay the charges.
This proposal shall form part of the insurance contract once the policy is issued. A copy of this proposal and the policy contract will be delivered to you.
While we have made every effort to ensure accuracy, errors and omissions may have occurred in the preparation of this proposal.
Should there be any discrepancy between the statement(s) contained in this material and the insurance policy contract, the provisions of the insurance policy
contract will prevail.
Fund Allocation
100% Equity Fund
Historical Investment Performance of Investment Funds of Sun Life's Variable Life Insurance Products
Year-on-Year Return
Compounded
3-Year 5-Year 10-Year
Annual Growth
Fund Name 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- Return Return Return
Rate (for
(Fund Launch Date) 08 09 10 11 12 13 14 15 16 17 (2017 vs (2017 vs (2017 vs
completed
2014) 2012) 2007)
calendar years)
Peso Balanced
-26.72% 27.03% 26.92% 1.95% 23.20% 1.14% 11.81% -3.75% -2.74% 12.70% 9.76% 5.51% 19.32% 77.05%
(Dec. 6, 2004)
Peso Bond
0.01% 6.11% 10.69% 6.90% 6.56% 8.25% 0.16% -0.96% -0.90% 0.71% 5.28% -1.16% 7.16% 43.40%
(Sep. 13, 2004)
Peso Equity
-36.70% 47.10% 36.98% 1.34% 30.97% 1.31% 19.73% -5.02% -1.78% 20.94% 12.60% 12.82% 36.86% 131.69%
(Sep. 13, 2004)
Peso Money Market
2.19% 1.49% 1.03% 0.50% 0.66% -0.34% -0.37% 0.10% -0.06% 0.60% 0.58% 0.65% -0.07% 5.92%
(Jun. 25, 2007)
MyFuture 2020
-8.16%* 34.12% 33.77% 1.84% 31.37% 2.88% 16.74% -4.10% -2.64% 9.01% 12.71% 1.77% 22.24% N/A
(Jun. 7, 2008)
MyFuture 2025
-9.74%* 32.88% 33.56% 2.25% 31.15% 2.97% 18.15% -5.51% -2.42% 14.71% 13.24% 5.76% 28.67% N/A
(Jun. 7, 2008)
MyFuture 2030
-11.12%* 36.04% 34.36% 1.61% 30.93% 2.10% 20.58% -5.05% -2.68% 16.78% 13.92% 7.90% 32.84% N/A
(Jun. 7, 2008)
MyFuture 2035
-11.21%* 36.48% 34.98% 1.71% 30.93% 3.31% 20.55% -4.86% -2.08% 17.67% 14.37% 9.62% 36.53% N/A
(Jun. 7, 2008)
MyFuture 2040
-11.75%* 37.44% 34.21% 1.94% 30.96% 3.14% 20.36% -4.79% -2.04% 20.54% 14.70% 12.43% 39.58% N/A
(Jun. 7, 2008)
Growth PLUS
N/A N/A N/A N/A N/A N/A N/A -12.09%* -2.81% 21.42% 8.63% N/A N/A N/A
(Apr. 8, 2015)
Index
N/A N/A N/A N/A N/A N/A N/A N/A 1.71%* 23.64% 23.64% N/A N/A N/A
(Jan. 25, 2016)
Captains
N/A N/A N/A N/A N/A N/A N/A N/A -6.56%* 14.24% 14.24% N/A N/A N/A
(Apr. 18, 2016)
Opportunity Tracker
N/A N/A N/A N/A N/A N/A N/A N/A N/A -0.46%* N/A N/A N/A N/A
(Oct. 9, 2017)
* Returns are from Fund inception date and not full year returns.
The values above are actual investment returns of Investment Funds of variable life insurance products, net of fund management charges. Past investment
performance is not necessarily indicative of the future or likely performance of the funds.
The Unit Price of an Investment Fund on a Valuation Date is determined by dividing the net asset value of the Investment Fund on the Valuation Date by the
aggregate number of outstanding Units of the Investment Fund on the Valuation Date. Currently, Valuation is done on a daily basis.
The Unit Prices of the Investment Funds are published weekly on major newspapers. You may also visit our website at www.sunlife.com.ph for the daily
Unit Prices.
Critical Illnesses
20. Major Burns
1. Acute Heart Attack
21. Major Head Trauma
2. Alzheimer's Disease
22. Medullary Cystic Disease
3. Amyotrophic Lateral Sclerosis(ALS)
23. Meningeal Tuberculosis
4. Aplastic Anaemia
24. Motor Neuron Disease
5. Bacterial Meningitis
25. Multiple Sclerosis
6. Benign Brain Tumour
26. Paralysis
7. Cerebral Metastasis
27. Parkinson's Disease
8. Coma
28. Progressive Bulbar Palsy (PBP)
9. Deafness
29. Progressive Muscular Atrophy (PMA)
10. Dissecting Aortic Aneurysm
30. Stroke
11. Encephalitis
31. Terminal Illness
12. End Stage Liver Failure
32. Total Blindness
13. End Stage Lung Disease
14. End Stage Renal Disease
Critical Illnesses Requiring Surgery
15. Fulminant Hepatitis
33. Coronary Artery Bypass Surgery
16. Guillain-Barre Syndrome
34. Major Organ Transplant
17. Invasive Cancer
35. Replacement of Heart Valve
18. Loss of Limbs
36. Surgery for Disease of the Aorta (Aorta Surgery)
19. Loss of Speech
We will not pay for claims arising from any of the following: (a) critical illnesses diagnosed within 90 days from the issue date of this benefit or
its last reinstatement, whichever is later; (b) any pre-existing or recurring critical illnesses which are diagnosed or which the life insured
contracted prior to the issue date of this benefit or date of last reinstatement; (c) congenital abnormalities; (d) any Human Immunodeficiency
Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or
variations thereof; (e) attempted suicide or self-inflicted injury while sane or insane; (f) taking or absorbing, accidentally or otherwise, any
intoxicating liquor, sedative or poison drug, narcotic or medicine, except as prescribed by a Doctor; and (g) inhaling any gas or fumes except if
inhalation is accidental AND in the course of duty.
Note: This benefit automatically renews every five years with a premium adjustment every 5th anniversary of the policy. We may change
the premium rate of this benefit from time to time but not more often than once a year, subject to the approval of the Insurance
Commission. We will advise you by written notice as to the new premium rate prior to the renewal date.
Premium Schedule
Critical Illness Benefit Critical Illness Benefit
Duration Duration
Premium Premium
1-5 2,510.00 31 - 34 24,900.00
6 - 10 4,030.00
11 - 15 6,310.00
16 - 20 9,275.00
21 - 25 14,055.00
26 - 30 19,010.00
*The CIB Face Amount will be subject to Financial Underwriting.
PROJECTED BENEFITS
End Attained Premiums Fund Value Death Benefit
of Age Paid Charges** 4% 8% 10% 4% 8% 10%
Year
1 37 60,000 37,629 23,369 24,374 24,877 1,523,369 1,524,374 1,524,877
2 38 60,000 28,361 57,611 61,319 63,206 1,557,611 1,561,319 1,563,206
3 39 60,000 19,093 102,650 110,808 115,033 1,602,650 1,610,808 1,615,033
4 40 60,000 12,143 156,539 171,405 179,239 1,656,539 1,671,405 1,679,239
5 41 60,000 12,148 212,523 236,733 249,716 1,712,523 1,736,733 1,749,716
6 42 61,520 9,243 275,275 311,916 331,913 1,775,275 1,811,916 1,831,913
7 43 61,520 9,518 340,192 392,688 421,855 1,840,192 1,892,688 1,921,855
8 44 61,520 9,850 407,298 479,427 520,240 1,907,298 1,979,427 2,020,240
9 45 61,520 10,227 476,634 572,551 627,844 1,976,634 2,072,551 2,127,844
10 46 61,520 10,617 556,296 681,877 755,627 2,056,296 2,181,877 2,255,627
11 47 6,310 11,113 573,181 730,394 824,724 2,073,181 2,230,394 2,324,724
12 48 6,310 11,521 590,307 782,277 900,146 2,090,307 2,282,277 2,400,146
13 49 6,310 11,934 607,678 837,786 982,506 2,107,678 2,337,786 2,482,506
14 50 6,310 12,350 625,301 897,198 1,072,479 2,125,301 2,397,198 2,572,479
15 51 6,310 12,765 655,215 977,103 1,189,759 2,155,215 2,477,103 2,689,759
16 52 9,275 16,138 673,904 1,046,653 1,299,260 2,173,904 2,546,653 2,799,260
17 53 9,275 16,545 692,904 1,121,216 1,419,036 2,192,904 2,621,216 2,919,036
18 54 9,275 16,949 712,233 1,201,185 1,550,096 2,212,233 2,701,185 3,050,096
19 55 9,275 17,357 731,899 1,286,979 1,693,538 2,231,899 2,786,979 3,193,538
20 56 9,275 17,687 766,120 1,402,480 1,880,538 2,266,120 2,902,480 3,380,538
19 55 9,275 17,357 731,899 1,286,979 1,693,538 2,231,899 2,786,979 3,193,538
24 60 14,055 23,956 854,508 1,854,987 2,689,825 2,354,508 3,354,987 4,189,825
29 65 19,010 39,577 969,388 2,657,640 4,263,518 2,469,388 4,157,640 5,763,518
*The investment returns used are net of the fund management charge of 2.00% (plus VAT) of the fund value.
** Charges are based on a 4% investment return.
The projected values are net of: (a) premium charges of 65% of annual regular premium on the first policy year and 5% of annual regular
premium from the second to the fifth year, all excess premiums shall be subject to a premium charge of 5%; (b) monthly periodic charge of
40% of the annual regular premium on the second year, 20% on the third year and 5% on the fourth and fifth; (c) monthly insurance charge of
200% of the Face Amount multiplied by the insurance rate determined by the Company, plus additional benefit premiums, if any; and (d) a
fund management charge of 2.00% (plus VAT) of the fund value. The figures shown above are net of all charges. The monthly charges are
deducted from the fund. No premium charge and monthly periodic charge are imposed on any extra premium and additional benefit
premium.
A loyalty bonus on the 10th policy anniversary year and every 5 years thereafter is included in the above illustration. The loyalty bonus is
currently equal to 2% of the average monthly fund balance of the preceding 5 years. It is not guaranteed and will depend on the actual
performance of the fund.
You should only invest in this product if you intend to pay the regular premium for the whole of your chosen payment term. Should you
terminate the policy early, you may suffer a loss as illustrated above.
The figures shown herein are based on assumptions in the accompanying first page of this proposal.
I have read and understood the disclosures in this proposal illustration. I likewise signify that my advisor has
explained to me the features and the charges on the policy, the manner in which the variable benefits will reflect
the investment experience of the separate account(s), and the guarantees on minimum death benefit.
Further, I acknowledge that:
I have applied with Sun Life of Canada (Philippines), Inc. for a Variable Life Insurance Policy, and have
reviewed the illustration(s) that shows how a variable life insurance policy performs using company's
assumptions and based on the Insurance Commission's guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will
depend on the actual performance of that given period and that the value of my policy could be less than the
premiums paid. The unit values of my Variable Life Insurance are periodically published.
I understand that all investment risks under the policy are to be borne solely by me, as the policy owner.
By requesting a proposal on Sun Life of Canada (Philippines), Inc.'s products and services and by sharing and
disclosing my personal data, I authorize and consent to the use, processing and exchange of information needed
to prepare the proposal. In the event I do not proceed with my insurance application with Sun Life of Canada
(Philippines), Inc., my personal data is kept for one year in Sun Life of Canada (Philippines), Inc.'s data
processing systems after which, it will be irreversibly anonymized for the sole purpose of data analytics and
proposal counts report.
End of Proposal