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 .
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.
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.
Money Market Funds invest purely in short-term (one year or less) debt
instruments.
Bond Funds invest in long-term debt instruments of governments or
corporations.
Balanced Funds invest both in shares of stock and debt instruments.
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.
HOW TO INVEST?
For new investors, the Investor Profile Questionnaire is required to assess their
risk profile and to determine the Sun Life Prosperity Fund suitable for their
investment objectives.
For new investors, the Investor Information Form must be fully accomplished
and submitted with the Investor Profile Questionnaire.
For new investors opening a an In Trust For Account, the Confirmation of ITF
Agreement Form must be fully accomplished and submitted.
The Order Ticket for Initial Investment must be submitted with the Investor Profile
Questionnaire and the Client Information Form upon initial account opening.
While the required forms for opening a Sun Life Prosperity Fund account are
available, we highly encourage you to get in touch with a Sun Life Mutual
Fund Advisor to thoroughly understand the benefits and risks in investing in
mutual funds. SLAMC shall only accept account opening forms duly signed by
a Sun Life Mutual Fund Advisor.
For current investors in the Sun Life Prosperity Funds
For current investors wishing to add to their existing investments. A
validated deposit slip or confirmation of money transfer must be submitted
with the Order Ticket for Subsequent Investment.

For current investors who would like to enroll in the Sun Life Prosperity Funds'
Auto-Invest Program, the following forms must be submitted:
SLAMCI Auto-Invest Enrollment Form
SLAMCI Auto-Invest Cancellation Form
SLAMCI Auto-Invest Amendment Form
BDO ADA Form
BPI ADA Form
For current investors wishing to redeem from or transfer their existing
investments. The original share certificate (if issued) of the investment being
redeemed for withdrawal or transfer must be submitted with the Order Ticket
for Redemption/Interfund Transfer.
For current investors wishing to update their personal account information
(i.e. Change of Name, Change of Legal Residence, Change of Citizenship,
etc.) and enroll into MF Services a Enrollment to MF Services a Non-Financial
Amendment Form must be submitted.
Completed forms may be submitted to your Sun Life Mutual Fund Advisor or
at any of the Sun Life Financial offices.
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 preneed 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