Sun Maxilink Bright - a life insurance plan with investment that can be used to finance future need like education, estate and retirement. It is payable for at least 5 years which pays the higher of 200% of the face amount plus fund value or the minimum death benefit upon death of the insured. It has also additional benefits such as Accidental Death Benefit, Total Disability Benefit , Waiver of Premium upon Death of Initial Owner and Waiver of Premium upon Death or Disability of Initial Owner. This plan is payable for 5 years.
SAMPLE PROPOSAL
Juan Dela Cruz, 30, Male, Non-Smoker,Face Amount 500,000
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Face Amount 500,000 - If Juan Dela Cruz die due to accident or natural causes her beneficiary can claim 200% of face amount equivalent to 1 Million pesos even if she only paid once. This is a guaranteed amount.
Total Disability Benefit (Waiver of Premium) – TDB – This rider is a must to one life insurance policy because if Sisa is already disabled and cannot able to go to work and earn money Sun life is the one who is responsible to pay her premium.
Accidental Death Benefit - This rider is an optional. If Juan Dela Cruz die due to accident her beneficiary can claim 500,000 plus the face amount 1 million pesos equivalent to 1,500,000 pesos. To claim this benefit, beneficiary must prove that the cause of death is due to accident they must provide death certificate, medical and police report.
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Investment Component
Our premiums will pay for the insurance cost, charges and part of it will be invested in the investment fund. There are three allocation fund that can be invested.
1. Equity Fund – Stock of corporations
(e.g. PLDT, Ayala Corp., BPI, Globe)
2. Bonds Fund – Fixed income securities (government bonds and corporate bonds)
3. Balanced Fund – 70% in equity, 30% in bond
If Juan dela Cruz reach the age 50 here are the projected fund value which I can withdraw.
At 8% annual fund earning : Php 1,274,715.00
At 10% annual fund earning : Php 1,776,540.00
These fund values are not fixed and not guaranteed as they depend on the actual performance of the fund you choose. They are just projections to give each policy holder an idea of how his/her money can potentially grow through the years.
Mode of payment : Quarterly, Semi-Annual, Annual
Can you save 227.00 pesos daily for for your future and for the future of your love ones? Save your money instead of buying Gadgets, bags, dress, shoes etc.Would you imagine Php 81,610.00 Annual Premium
Php 40,805.00 Semi Annual Premium
Php 20,402.50 Quarterly Premium
Php 6,800.85 Monthly Premium
Php 227.00 Daily Premium
If you are young and professional, this is the best time for you to invest and plan your future because you have a longer time to grow your investment. Investment is a long term commitment. It’s not about quick win. A small or big amount may produce rewards over the long-term.
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