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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. 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 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 s 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

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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*

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

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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 one’s 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”:   

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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 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. Parkinson’s Disease 25. Terminal Illness 26. Medullary Cystic Disease 27. Alzheimer’s 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 By 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 women’s 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 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

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Additional cash benefits if confined in an intensive care unit

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Surgical cash benefits based on a benefit schedule

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Cash benefits paid directly to you

Protection Benefits  Life insurance coverage 

Accident coverage

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Waiver of s in case of disability

Money Back Feature  50% or 75% return of all s 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 s 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 s 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 s if the insured becomes totally and permanently disabled. Waiver of Upon Death of the Initial Owner It waives s before attainment of age 21 by the life insured child in case of death of the initial owner. Waiver of upon Death or Disability of the Initial Owner It waives s 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 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 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 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 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 . 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 compared to the corresponding 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 life’s uncertainties while its investment component gives you the opportunity to build funds for your family’s 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 family’s future with life insurance protection that is equal to your policy’s Face Amount plus Fund Value.

Your coverage is guaranteed not to fall lower than 500% of your regular plus 125% of each excess 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 Life’s top-notch investment professionals prudently invest a portion of the s 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 s 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 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. What’s 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 , 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 insured’s 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 dollar’s 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 world’s bright spots for foreign investments! The s 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 insured’s 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 product’s “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 us through 849-9888 or [email protected] 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 money’s 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 policy’s 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.

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

*Life insurance coverage shall be equivalent to 125% of the single , 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 insured’s 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 payments will be invested. Our top-notch investment professionals will carefully invest a portion of the s you pay – so you get the best out of your hard-earned peso.

Available Riders for Sun FlexiLink

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

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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 will be invested. Our top-notch investment professionals will carefully invest a portion of the you pay – so you get the best out of your hard-earned peso.

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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 will be invested. Our top-notch investment professionals will carefully invest a portion of the you pay – so you get the best out of your hard-earned dollar.

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

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

Available Riders for Sun MaxiLink Bright

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