Sun Maxilink One – is a one-time payment. This is similar to time deposit in the bank but in sun life it was invested and managed by fund managers who will monitor the ups and downs of the economy and invest not more than 10% in a particular company thus making our funds for our stockholders safe and more profitable. This plan has also You can simply sit back, worry free, as you watch your investment grow over time. Policy matures at the insured's attained age 88.
SAMPLE PROPOSAL
Juan Dela Cruz, 40, Male, Non smoker, Face Amount: 250,000.00
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If Juan Dela Cruz dies and the cause of death is other than accident the beneficiary can claim only the Fund Value. Thus if he dies due to accident his beneficiary higher of the Fund Value or the minimum death benefit, which is equal to the face amount plus the entire single premium less 125% of each partial withdrawal, if any.
The death benefit after 2 years is the higher of (1) the Fund Value, or (2) the minimum death benefit.
(Click to see Illustration Benefits).
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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 I reach the age 50 here are the projected fund value which I can withdraw.
At 8% annual fund earning : Php 538,916.00
At 10% annual fund earning : Php 644,936.00
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.
Do you think if Juan Dela Cruz deposit his money in the bank, he can earn this amount? try to compute and compare which is higher.
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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