Products & services

Sun Life Philippines offers a range of financial products to fulfill the

needs of millions of Filipino people. Our products vary
from education products and health insurance to retirement
plans and investments.
How can we help you?
Individual Insurance

Whether it is helping you plan your finances or funding your childs

education, we can help you achieve all your dreams.
Variable Life Insurance

If youre looking for protection along with the possibility of greater

returns, our variable life insurance plans may be the perfect choice.
Group Insurance

We help organizations provide their members with a comprehensive

life insurance plan. Whats more, our group insurance plans can be
specially designed to fit your organizations needs and budget.
Mutual Funds

Whether youre looking for higher returns or more balanced

investments, we have a range of mutual funds to meet your needs.
Pre-Need Plans

Our pre-need plans address certain future needs way before these
needs arise, helping you cope better with the spiraling cost of
living .
Customer FAQ

To help you get a better understanding of Sun Life Philippines and

how we can be of service to you, weve answered some frequently
asked questions.

Individual insurance
Sun Life Financial, through its member company, Sun Life of Canada (Philippines),
Inc., offers individual life insurance products that address your needs and fit your
financial profile. We offer financial security for you and your family. Sun Life
Financial has been helping meet the demands of these changing times through these
products.

How can we help you?

SUN Fit and Well (NEW)
is a New Generation Wellness Product that offers you comprehensive life and health
protection no matter what happens, giving you and your family comfort and peace of
mind in times of great distress caused by a serious illness. You may opt to choose
between the basic plan which provides life and critical illness coverage or the Plus or
Advantage variant which also provides guaranteed cash benefits that you can rest on
during your golden years.
SUN Healthier Life
is an affordable health solution that helps one get through any stage of a critical
illness. Just like a safety net, it helps secure the much needed finances in case of a
health emergency. It provides cash benefits so that the customer need not jeopardize
ones savings and investments particularly in the unexpected diagnosis of a critical
illness like Cancer, Heart Attack or Stroke or should there be a need to go through
certain medical procedures such as an Angioplasty.
SUN Safer Life - 5 Year Renewable and Convertible Term (NEW)
is a 5-year term life insurance product that provides maximum protection at a cost that
fits your budget. With its convertibility and automatic renewability features, you can
enjoy the benefit of keeping yourself and your loved ones future secured for a longer
period.
Sun LifeAssure
is a nonparticipating peso-denominated five-year renewable term life plan with critical
illness benefit.
SUN Smarter Life
is a protection product that provides double life insurance coverage starting Day 1
until Age 100. You can choose between the Classic variant which provides basic life
insurance coverage; or the Elite variant which also provides LIFETIME guaranteed

cash payouts equal to 8% of the Face Amount given at the end of the 6th year and
every other year onwards.
Sun Maiden and Sun Maiden Plus
are insurance packages specially designed for women.
Sun Acceler8
is a protection and savings 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. Both the guaranteed cash benefits and the life insurance coverage
increases to address inflation.
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.
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.
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.
Supplementary Benefits or Riders
are also available to enhance the basic insurance plan.

Variable life insurance

Sun Life Philippines has a wide range of variable life insurance
plans designed to meet both your insurance and investment needs.
All our plans offer financial protection, but, depending on your needs
you can choose a plan that either allows you to invest in selected
global equities, choose where your premium payments will be
invested depending on your risk appetite, and allows our investment
professionals to maximize growth potential for your money.
How can we help you?
Plans

Depending on your needs, we have a number of Variable Insurance

Plans including Sun FlexiLink, Sun FlexiDollar and Sun MaxiLink.

Funds

We have a fund for every financial need and for every stage in your
life. The funds we offer are Equity Fund, Bond Fund, Balanced
Fund, Income Fund, Opportunity Fund, Growth Fund, My Future
Fund, Money Market Fund, Global Income Fund, Global
Opportunity Fund, Dynamic Fund, Growth PLUS Fund, Index
Fund and Captains Fund.
Group insurance

Through our member company Sun Life of Canada (Philippines), we

offer organizations in the Philippines the opportunity to provide life
insurance protection for their members through a comprehensive
Group Life Insurance package. Our unique approach in packaging
benefits helps organizations provide a comprehensive life insurance
plan for their members at very affordable premium rates. Our group
insurance plans can be specially designed to fit your organizations
needs and budget.
How can we help you?

Products
Take a look at some of the comprehensive Group Insurance Plans
we offer. These plans can be specially designed to fit your
organizations needs and budgets.

Forms
Send us the completed application or maintenance group insurance
form and help us serve you better.
Group yearly renewable term plan

Death Benefit
Sun Life Philippines shall pay the amount of insurance of an
Employee, in the event of his death, to his designated beneficiary or
beneficiaries indicated to Sun Life Philippines in writing.

Suicide
If an Employee dies by suicide less than one year after the Effective
Date or date of reinstatement of his insurance, the pertinent
provisions of the Insurance Code shall apply. Where no death
benefit is payable, Sun Life Philippines shall refund all premiums
paid from the Effective Date or date of reinstatement of his
insurance to date of death.

Conversion Privilege
Each Employee shall have the privilege to convert his group
insurance into an ordinary life insurance policy without Evidence of
Insurability.

Free Coverage During Conversion Period

Whether or not the Employee actually applied for conversion and
pays the first premium, the amount of insurance he is entitled to
convert shall remain in force during the 31 day conversion period.

Mutual Funds
What is a Mutual Fund?

A Mutual Fund is an investment company that pools together money

from different investors and invests them in various securities
depending on the investment objective of the fund. The mutual fund
company issues shares to the public that represents their holdings
in the fund.
What are the different types of Mutual Funds available?
There are four basic types of mutual funds currently available in the
market categorized according to the investment objective of the
fund or the investments that the fund is primarily invested in.
1.

Money Market Funds invest purely in short-term (one year or

less) debt instruments.

2.

Bond Funds invest in long-term debt instruments of

governments or corporations.

3.

Balanced Funds invest both in shares of stock and debt

instruments.

4.

Stock Funds / Equity Funds invest primarily in shares of

stock.
What is the NAVPS?
NAVPS or the net asset value per share represents the price of one
share from a mutual fund. All shares in a mutual fund are bought
and sold using the NAVPS, which changes every business day
depending on the market performance of the fund.
How do I earn from Mutual Funds?
If the NAVPS of the mutual fund you are invested in increases or
appreciates, you can sell your mutual fund shares for a profit. In the
same way, if the NAVPS of the mutual fund you are invested in
decreases or depreciates, you may realize a loss if you redeem.

Like any other investment instrument, mutual funds are best held
long-term especially for mutual funds that have investment
objectives of capital growth such as equity funds.

Pre-need plans
Sun Life Financial Plans, Inc. is a subsidiary of Sun Life of Canada (Philippines), Inc.
Borne out of the groups desire to be of greater service to the Filipino people, it
answers the growing demand for flexible pre-need products.
Incorporated in 2001, SLFPI offers innovative products that provide both guaranteed
and value added benefits to customers. SLFI maintains capital and trust fund positions
in excess of SEC requirements and is committed to meeting all of its obligations to
policyholders in the Philippines.
Pre-need plans help you plan for future needs before the needs arise and Sun Life
Financial pre-need plans let your money work for you.
Educational Plans
Sun Classic and Sun Elite Pension Plan
Sun Pension Plus Plan
Sun Ka Pa Product Series
Optional Riders
Beginning March 2, 2010, new business for these products will no longer be offered.

Educational plans
Red Toga and Gold Toga Education Plan Series
Everything begins with a good education. It is the most important legacy we can give
our children.

The quality of education a child receives can help shape their character and life, more
than any material objects you can leave them. Sun Life Financial Plans, Inc. helps you
provide your child with the best education plan you can possibly give them.
With Red Toga and Gold Toga Series, you get the flexibility to finance your childs
school expenses just the way you want.
Benefits and Features
Increasing plan benefits
The Education Benefit per unit is P 1,000. A 20% increase of the Education
benefit is guaranteed every year to cushion the rise in tuition costs
Tailor-fit to your needs
Plans are available in 4, 5 and 7 year courses
Flexible payment terms
You may choose to pay only once or stretch your payment periods to 5, 7, 10,
15 or 20 years
Protection in times of uncertainty
Credit Life and Credit disability are available to continue your payments in
case of death or disability.
Convenience and Adaptability
Benefits are paid in cash directly to you as the plan holder, making you fee to
choose when and what to use it for
Transferability
The plan is transferable. In case something happens to the Scholar, you can
grant your Plan to another child.

Sun Classic and Sun Elite Pension Plan

Your retirement should be the most relaxing and stress-free time of your life. Plan
ahead with Sun Life Financial Plans, Inc. and retire in the way you truly deserve.

Sun Classic and Sun Elite Pension provide you with the ease, flexibility and
convenience to choose the scheme that best suit your needs and matches your
financial requirements.
Benefits and Features
Affordable Plan Benefits.
The Pension Benefit per unit is P10,000.
Flexible Payment Terms.
You may choose to pay only once or stretch your paying period to 5, 7, 10, 15
and 20 years.
Protection in times of uncertainty
Credit Life and Credit disability are available to continue your payments in
case of death or disability.

Sun Pension Plus Plan

With Sun Pension Plus you get dividends* on top of the Pension Fund. You may
choose to receive this yearly throughout your term, accumulate it at the end of your
maturity period or apply it as payment for your succeeding installments.
Benefits and Features
Affordable Plan Benefits.
The Pension Benefit per unit is P10,000.
Flexible Payment Terms.
You may choose to pay only once or stretch your paying period to 5, 7, 10, 15
and 20 years.
Protection in times of uncertainty
Credit Life and Credit disability are available to continue your payments in
case of death or disability.

 Dividends*
On top of your retirement fund, you may also get dividends. You can choose to
receive this in cash, accumulate this at interest and withdraw whenever you
wish, or apply it as payment for your installments. The value of the dividends
will vary depending on the Companys performance and will be based on the
prevailing rate at the specific time you choose to get them.

Sun Ka Pa Product Series

Sun Life Financial Plans dream plans
Sun Life has a series of pre-need products designed to help Filipinos realize their
aspirations through a disciplined savings approach. The series features Sun
Kaganapan, Sun Kabuhayan, Sun Lakbay and Sun Pensionado.
Sun Kaganapan
Addresses event-funding needs for those special events in our lives.
Sun Kabuhayan
This is perfect for the aspiring entrepreneur who is willing to acquire the
discipline to set aside a business starter fund.
Sun Lakbay
This is perfect for the would-be travelr who wants to see the world by way of a
fund that is independent of their savings.
Sun Pensionado
This is for those who desire to retire in style and be independent in their golden
years.
Sun Kaganapan, Sun Kabuhayan, Sun Lakbay and Sun Pensionado are packaged Sun
Pension Plus Plans. In case of death or disability, installments may be waived.
Beneficiaries will receive maturity benefits at the maturity date. With GYRT
insurance coverage computed for clients at age 40. In case of accidental death or
disability, maturity benefits are advanced to your beneficiaries.

Optional Riders
In line with our commitment to provide our clients with comprehensive and flexible
products and services, we bring to you the following optional riders to provide you
with insurance coverage on top of the benefits you will receive.
Group Yearly Renewable Term (GYRT)
Provides the planholder insurance coverage to be paid in case of death.
Accidental Death & Dismemberment (AD&D)
Provides benefits to the planholder in case of death or dismemberment due to
an accident. The AD&D rider may only be purchased together with the GYRT
rider; it cannot be obtained alone.For information on Eligibility, Amount of
Coverage and Duration of coverage for GYRT and AD&D, please contact us
Personal Accident Protection (PAP)
Provides the Planholder insurance coverage to be paid in case of death due to
accident. This also comes with a comprehensive Accidental Dismemberment
and Disability coverage.
Medical Reimbursement (MR)
Provides the Scholar insurance coverage to be paid in case of his death due to
accident. This also comes with a comprehensive Accidental Dismemberment
and Disability coverage for the Scholar. This is available only for Sun Life
Education planholders.
Family Accident Protection (FAP)
Provides Accidental Death and Dismemberment insurance which extends
coverage to Planholders dependents such as spouse, dependent children and
dependent parents. This also includes Medical Reimbursement coverage.
* Dividend rates vary based on Trust Fund investment performance, hence are not
guaranteed.
Corporate social responsibility

Building a Brighter World

When Sun Life established its roots in colonial Manila, we made a

commitment to help Filipinos achieve a sustainable future. Through
world wars and economic downturns, we bore witness to a countrys
journey towards financial prosperity and security. And for a nation
that has nurtured us for more than a century, it is finally time to give
back.
In 1992, we started Sharing Hope and Resources for Education and
Social Services or S.H.A.R.E.S. Here, our spirit of volunteerism
shined brighter, from relief efforts to building houses for the
homeless. And the light of generosity radiated through the company,
inspiring Sun Lifers to truly make a difference.
Incorporated in 2007, the Sun Life Foundation became the
culmination of our deep and collective desire to help alleviate the
plight of those most in need. Here, our mission to create a Brighter
World takes flight: a pioneering financial literacy advocacy Its Time!,
and the award-winning digital film collection called SUN SHORTS,
and a model relocation community aptly named Legacy of Light
Village, among other projects.
For Sun Life, a Brighter World ensures the future of generations
while creating a prosperous present. Be part of our journey.
Support. Share. Shine

Sun Life worldwide

Chartered in Canada in 1865, Sun Life is one of the worlds leading
financial services companies. With headquarters in Toronto, we and
our partners today operate in key markets worldwide including
Canada, the United States, the United Kingdom, Ireland, China,
Hong Kong, the Philippines, Japan, Korea, Indonesia, India and
Singapore.

Sun Life Financial Inc. trades on the Toronto (TSX), New York
(NYSE) and Philippines (PSE) stock exchanges under the ticker
symbol SLF.
Our mission:
To help our customers achieve lifetime financial security
Vision:
To be an international leader in protection and wealth management.
Values
Integrity
We are committed to the highest standards of business ethics and
good governance.
Engagement
We value our diverse, talented workforce and encourage, support
and reward them in contributing to the full extent of their potential.
Customer Focus
We provide sound financial solutions for our customers and always
work with their interests in mind.
Excellence
We pursue operational excellence through our dedicated people,
our quality products and services, and our value-based risk
management.
Value
We deliver value to the customers and shareholders we serve and
to the communities in which we operate.
Strong Credit Ratings*
Weve earned high independent ratings from international rating
agencies:

Standard & Poors: AA (Very Strong) (as of March 6, 2009)

Moodys: Aa3 (Excellent) (as of February 12, 2009)

The financial strength rating of Sun Life Assurance Company

of Canada (Sun Life Assurance) was affirmed at A+ (Superior) with
a stable outlook by A.M. Best.

*All financial ratings are assigned to Sun Life Assurance Company

of Canada, the parent company of Sun Life Philippines.
International Recognition
Some of our recent achievements:

Donald A. Stewart, Sun Life Financials Chief Executive Officer,

was named the Canadian International Executive of the Year by the
Canadian Chamber of Commerce in November, 2007

Ranked among the top 10 in the Canadian financial services

sector both in Macleans magazine and the Jantzi Researchs 2007
Corporate Social Responsibility Report

Ranked in the top 10 S&P/TSX composite index listed

corporations included in the Globe & Mails Board Games Corporate
Governance Ranking for 2007

Consistently listed in the Global FTSE4Good index since its

launch in 2001

One of the worlds top 500 companies both in FORTUNE

Magazine and the Financial Times