Term

𝘛𝘦𝘳𝘮 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 

⛱  Is 𝘵𝘩𝘦 𝘮𝘰𝘴𝘵 𝘢𝘧𝘧𝘰𝘳𝘥𝘢𝘣𝘭𝘦 𝘧𝘰𝘳𝘮 𝘰𝘧 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘵𝘩𝘢𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘗𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘧𝘰𝘳 𝘢 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘱𝘦𝘳𝘪𝘰𝘥.
⛱𝘛𝘩𝘪𝘴 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘢𝘱𝘱𝘭𝘪𝘤𝘢𝘣𝘭𝘦 𝘵𝘰 𝘵𝘩𝘰𝘴𝘦 𝘱𝘦𝘳𝘴𝘰𝘯𝘴 𝘸𝘩𝘰 𝘩𝘢𝘷𝘦 𝘭𝘪𝘮𝘪𝘵𝘦𝘥 𝘣𝘶𝘥𝘨𝘦𝘵 𝘣𝘶𝘵 𝘴𝘵𝘪𝘭𝘭 𝘸𝘢𝘯𝘵 𝘵𝘰 𝘱𝘳𝘰𝘵𝘦𝘤𝘵 𝘵𝘩𝘦 𝘧𝘶𝘵𝘶𝘳𝘦 𝘰𝘧 𝘵𝘩𝘦𝘪𝘳 𝘧𝘢𝘮𝘪𝘭𝘺 𝘪𝘯 𝘤𝘢𝘴𝘦 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘣𝘢𝘥 𝘩𝘢𝘱𝘱𝘦𝘯𝘴.

𝘚𝘶𝘯 𝘚𝘢𝘧𝘦𝘳 𝘓𝘪𝘧𝘦 

📌𝘐𝘵 𝘪𝘴 𝘢 5-𝘺𝘦𝘢𝘳𝘭𝘺 𝘳𝘦𝘯𝘦𝘸𝘢𝘣𝘭𝘦 𝘢𝘯𝘥 𝘤𝘰𝘯𝘷𝘦𝘳𝘵𝘪𝘣𝘭𝘦 𝘵𝘦𝘳𝘮 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘵𝘩𝘢𝘵 𝘰𝘧𝘧𝘦𝘳𝘴 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘦𝘲𝘶𝘪𝘷𝘢𝘭𝘦𝘯𝘵 𝘵𝘰 200% 𝘰𝘧 𝘵𝘩𝘦 𝘍𝘢𝘤𝘦 𝘈𝘮𝘰𝘶𝘯𝘵 𝘶𝘯𝘵𝘪𝘭 𝘢𝘨𝘦 75.

📌𝘛𝘩𝘦 𝘱𝘭𝘢𝘯 𝘢𝘶𝘵𝘰𝘮𝘢𝘵𝘪𝘤𝘢𝘭𝘭𝘺 𝘳𝘦𝘯𝘦𝘸𝘴 𝘦𝘷𝘦𝘳𝘺 5 𝘺𝘦𝘢𝘳𝘴 𝘶𝘯𝘵𝘪𝘭 𝘢𝘨𝘦 74 (𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘦𝘷𝘪𝘥𝘦𝘯𝘤𝘦 𝘰𝘧 𝘪𝘯𝘴𝘶𝘳𝘢𝘣𝘪𝘭𝘪𝘵𝘺) 𝘢𝘯𝘥 𝘱𝘳𝘦𝘮𝘪𝘶𝘮 𝘪𝘯𝘤𝘳𝘦𝘢𝘴𝘦𝘴 𝘢𝘴 𝘺𝘰𝘶 𝘳𝘦𝘯𝘦𝘸 𝘰𝘳 𝘤𝘰𝘯𝘷𝘦𝘳𝘵 𝘵𝘩𝘦 𝘱𝘭𝘢𝘯 𝘵𝘰 𝘦𝘪𝘵𝘩𝘦𝘳 𝘞𝘩𝘰𝘭𝘦 𝘓𝘪𝘧𝘦, 𝘌𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘰𝘳 𝘝𝘜𝘓 (𝘢𝘵 𝘢𝘵𝘵𝘢𝘪𝘯𝘦𝘥 𝘢𝘨𝘦).

📌 𝘈𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘳𝘪𝘥𝘦𝘳𝘴 𝘢𝘳𝘦 𝘈𝘤𝘤𝘪𝘥𝘦𝘯𝘵𝘢𝘭 𝘋𝘦𝘢𝘵𝘩 𝘉𝘦𝘯𝘦𝘧𝘪𝘵 𝘢𝘯𝘥 𝘛𝘰𝘵𝘢𝘭 𝘋𝘪𝘴𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘉𝘦𝘯𝘦𝘧𝘪𝘵.

*𝘕𝘰 𝘴𝘢𝘷𝘪𝘯𝘨𝘴 𝘤𝘰𝘮𝘱𝘰𝘯𝘦𝘯𝘵. 𝘔𝘢𝘪𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘱𝘶𝘳𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯.
*𝘛𝘩𝘪𝘴 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘱𝘦𝘳𝘧𝘦𝘤𝘵 𝘧𝘰𝘳 𝘵𝘩𝘰𝘴𝘦 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘸𝘩𝘰 𝘢𝘳𝘦 𝘭𝘰𝘰𝘬𝘪𝘯𝘨 𝘧𝘰𝘳 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘶𝘳𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘱𝘳𝘰𝘥𝘶𝘤𝘵, 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘵𝘰 𝘤𝘰𝘷𝘦𝘳 𝘢𝘯 𝘦𝘹𝘪𝘴𝘵𝘪𝘯𝘨 𝘭𝘰𝘢𝘯,

* H𝘦𝘭𝘱 𝘱𝘢𝘺 𝘢 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘳 𝘱𝘢𝘺-𝘰𝘧𝘧 𝘦𝘴𝘵𝘢𝘵𝘦 𝘵𝘢𝘹𝘦𝘴, 𝘢𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘢𝘵 𝘭𝘰𝘸 𝘤𝘰𝘴𝘵 f𝘰𝘳 𝘵𝘩𝘰𝘴𝘦 𝘸𝘩𝘰 𝘩𝘢𝘷𝘦 𝘦𝘹𝘪𝘴𝘵𝘪𝘯𝘨 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘰𝘭𝘪𝘤𝘪𝘦𝘴 𝘸𝘪𝘵𝘩 𝘪𝘯𝘢𝘥𝘦𝘲𝘶𝘢𝘵𝘦 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦.

𝘚𝘶𝘯 𝘓𝘪𝘧𝘦 𝘈𝘴𝘴𝘶𝘳e benefit 

CRITICAL ILLNESS COVERAGE coverage until age 70

Worry less about costly treatment and hospital bills. Upon diagnosis or undergoing of any of the 36 covered critical illnesses and surgeries, you can get a lump sum cash benefit equal to your plan's Face Amount. 

For maximum protection, you can enhance your plan through the addition of riders to cover unforeseen contingencies such as accidents and disability.

LIFE INSURANCE PROTECTION 

Secure your loved ones' future with guaranteed life insurance protection equivalent to the policy's Face Amount.

AUTOMATIC RENEWABILITY

Your coverage automatically renews every 5 years with premiums adjusted based on the Insured's attained age upon renewal. This provides protection until age 70 regardless of your health condition. Thus, you are provided with longer protection from unexpected serious illnesses.

💡 This provides coverage until age 70 of the insured for both death and critical illness. 

💡Once the death benefit or the critical illness benefit has been claimed, the policy terminates

36 Covered Critical Illnesses and Surgeries

*𝘱𝘶𝘳𝘱𝘰𝘴𝘦 𝘪𝘴 𝘮𝘢𝘪𝘯𝘭𝘺 𝘧𝘰𝘳 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯.

*𝘈𝘭𝘴𝘰, 𝘵𝘩𝘦 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘷𝘦𝘳𝘵𝘪𝘣𝘭𝘦 𝘢𝘯𝘥 𝘱𝘦𝘳𝘧𝘦𝘤𝘵 𝘧𝘰𝘳 𝘵𝘩𝘰𝘴𝘦 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘸𝘩𝘰 𝘢𝘳𝘦 𝘭𝘰𝘰𝘬𝘪𝘯𝘨 𝘧𝘰𝘳 INCOME PROTECTION 𝘢𝘯𝘥 HEALTH

𝘚𝘶𝘯 𝘔𝘢𝘪𝘥𝘦𝘯

📌 𝘛𝘩𝘪𝘴 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘢𝘭𝘴𝘰 𝘢 5-𝘺𝘦𝘢𝘳𝘭𝘺 𝘳𝘦𝘯𝘦𝘸𝘢𝘣𝘭𝘦 𝘵𝘦𝘳𝘮 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘤𝘰𝘯𝘷𝘦𝘳𝘵𝘪𝘣𝘭𝘦.

📌 𝘐𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦 𝘸𝘩𝘦𝘳𝘦𝘪𝘯 𝘪𝘯𝘴𝘶𝘳𝘦𝘥 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘨𝘪𝘷𝘦𝘯 𝘢 𝘱𝘦𝘳𝘤𝘦𝘯𝘵𝘢𝘨𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘧𝘢𝘤𝘦 𝘢𝘮𝘰𝘶𝘯𝘵 𝘧𝘰𝘳 𝘍𝘦𝘮𝘢𝘭𝘦 𝘚𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘊𝘳𝘪𝘵𝘪𝘤𝘢𝘭 𝘐𝘭𝘭𝘯𝘦𝘴𝘴𝘦𝘴.

📌𝘛𝘩𝘦 𝘱𝘭𝘢𝘯 𝘪𝘯𝘤𝘭𝘶𝘥𝘦𝘴 𝘍𝘙𝘌𝘌 5 𝘋𝘪𝘢𝘨𝘯𝘰𝘴𝘵𝘪𝘤/𝘗𝘳𝘦𝘷𝘦𝘯𝘵𝘪𝘷𝘦 𝘗𝘳𝘰𝘤𝘦𝘥𝘶𝘳𝘦𝘴 𝘸𝘪𝘵𝘩𝘪𝘯 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 10 𝘺𝘦𝘢𝘳𝘴 𝘰𝘧 𝘵𝘩𝘦 𝘱𝘰𝘭𝘪𝘤𝘺 𝘸𝘩𝘪𝘤𝘩 𝘤𝘢𝘯 𝘣𝘦 𝘢𝘷𝘢𝘪𝘭𝘦𝘥 𝘰𝘯𝘤𝘦 𝘢𝘯𝘯𝘶𝘢𝘭𝘭𝘺 𝘢𝘧𝘵𝘦𝘳 𝘵𝘩𝘦 1𝘴𝘵 𝘱𝘰𝘭𝘪𝘤𝘺 𝘢𝘯𝘯𝘪𝘷𝘦𝘳𝘴𝘢𝘳𝘺.

📌𝘍𝘰𝘳 𝘔𝘢𝘪𝘥𝘦𝘯 𝘗𝘭𝘶𝘴, 𝘮𝘢𝘵𝘦𝘳𝘯𝘪𝘵𝘺 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘰𝘧 2% 𝘰𝘧 𝘵𝘩𝘦 𝘧𝘢𝘤𝘦 𝘢𝘮𝘰𝘶𝘯𝘵 𝘧𝘰𝘳 𝘦𝘷𝘦𝘳𝘺 𝘤𝘩𝘪𝘭𝘥 𝘥𝘦𝘭𝘪𝘷𝘦𝘳𝘦𝘥; 𝘮𝘢𝘹𝘪𝘮𝘶𝘮 𝘰𝘧 3 𝘤𝘩𝘪𝘭𝘥𝘳𝘦𝘯.

📌 𝘐𝘵 𝘸𝘪𝘭𝘭 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘺𝘰𝘶 10% 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘰𝘧 𝘵𝘩𝘦 𝘧𝘰𝘭𝘭𝘰𝘸𝘪𝘯𝘨 𝘗𝘳𝘦𝘨𝘯𝘢𝘯𝘤𝘺 𝘊𝘰𝘮𝘱𝘭𝘪𝘤𝘢𝘵𝘪𝘰𝘯𝘴: 𝘌𝘤𝘵𝘰𝘱𝘪𝘤 𝘗𝘳𝘦𝘨𝘯𝘢𝘯𝘤𝘺, 𝘏𝘺𝘥𝘢𝘵𝘪𝘥𝘪𝘧𝘰𝘳𝘮 𝘔𝘰𝘭𝘦 𝘢𝘯𝘥 𝘋𝘪𝘴𝘴𝘦𝘮𝘪𝘯𝘢𝘵𝘦𝘥 𝘐𝘯𝘵𝘳𝘢𝘷𝘢𝘴𝘤𝘶𝘭𝘢𝘳 𝘊𝘰𝘢𝘨𝘶𝘭𝘢𝘵𝘪𝘰𝘯 (𝘋𝘐𝘊).

📌𝘊𝘰𝘷𝘦𝘳𝘢𝘨𝘦 𝘪𝘴 𝘶𝘯𝘵𝘪𝘭 𝘢𝘨𝘦 65. 𝘈𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘳𝘪𝘥𝘦𝘳𝘴 𝘢𝘳𝘦 𝘈𝘤𝘤𝘪𝘥𝘦𝘯𝘵𝘢𝘭 𝘋𝘦𝘢𝘵𝘩 𝘉𝘦𝘯𝘦𝘧𝘪𝘵, 𝘛𝘰𝘵𝘢𝘭 𝘋𝘪𝘴𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘢𝘯𝘥 𝘊𝘳𝘪𝘵𝘪𝘤𝘢𝘭 𝘐𝘭𝘭𝘯𝘦𝘴𝘴 𝘉𝘦𝘯𝘦𝘧𝘪𝘵.

Endownment

𝘌𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵  𝘪𝘴 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘮𝘰𝘶𝘯𝘵 𝘨𝘪𝘷𝘦𝘯 𝘵𝘰 𝘢 𝘱𝘦𝘳𝘴𝘰𝘯 𝘰𝘳 𝘪𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯. 𝘠𝘰𝘶 𝘤𝘢𝘯 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘨𝘦𝘵 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘢𝘭𝘰𝘯𝘨 𝘸𝘪𝘵𝘩 𝘵𝘩𝘪𝘴 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘣𝘦𝘯𝘦𝘧𝘪𝘵. 𝘚𝘶𝘯 𝘓𝘪𝘧𝘦 𝘰𝘧𝘧𝘦𝘳𝘴 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘵 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘵𝘩𝘢𝘵 𝘤𝘢𝘯 𝘴𝘶𝘪𝘵 𝘺𝘰𝘶𝘳 𝘱𝘳𝘪𝘰𝘳𝘪𝘵𝘪𝘦𝘴 𝘢𝘯𝘥 𝘨𝘰𝘢𝘭𝘴. 𝘛𝘩𝘦𝘴𝘦 𝘱𝘭𝘢𝘯𝘴 𝘢𝘳𝘦 𝘥𝘦𝘧𝘪𝘯𝘪𝘵𝘦𝘭𝘺 𝘱𝘦𝘳𝘧𝘦𝘤𝘵 𝘧𝘰𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘸𝘩𝘰 𝘸𝘢𝘯𝘵 𝘵𝘰 𝘩𝘢𝘷𝘦 𝘵𝘩𝘦𝘪𝘳 𝘮𝘰𝘯𝘦𝘺 𝘣𝘢𝘤𝘬 𝘪𝘯 𝘤𝘢𝘴𝘦 𝘵𝘩𝘦 𝘱𝘰𝘭𝘪𝘤𝘺 𝘰𝘸𝘯𝘦𝘳 𝘴𝘶𝘳𝘷𝘪𝘷𝘦𝘴 𝘢𝘵 𝘵𝘩𝘦 𝘦𝘯𝘥 𝘰𝘧 𝘵𝘩𝘦 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘱𝘦𝘳𝘪𝘰𝘥, 𝘰𝘳 𝘨𝘦𝘵 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥 𝘤𝘢𝘴𝘩 𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴 𝘭𝘢𝘵𝘦𝘳 𝘰𝘯.

𝘚𝘶𝘯 𝘈𝘤𝘤𝘦𝘭𝘦𝘳8 𝘪𝘴 𝘢 20-𝘺𝘦𝘢𝘳 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘭𝘢𝘯 𝘧𝘳𝘰𝘮 𝘚𝘶𝘯 𝘓𝘪𝘧𝘦 𝘵𝘩𝘢𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘪𝘯𝘤𝘳𝘦𝘢𝘴𝘪𝘯𝘨 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘣𝘦𝘯𝘦𝘧𝘪𝘵. 𝘐𝘵 𝘢𝘭𝘴𝘰 𝘩𝘢𝘴 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥 𝘤𝘢𝘴𝘩 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘵𝘩𝘢𝘵 𝘺𝘰𝘶 𝘤𝘢𝘯 𝘶𝘴𝘦 𝘧𝘰𝘳 𝘺𝘰𝘶𝘳 𝘤𝘩𝘪𝘭𝘥’𝘴 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘴𝘤𝘩𝘰𝘰𝘭-𝘳𝘦𝘭𝘢𝘵𝘦𝘥 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴.

𝘚𝘶𝘯 𝘚𝘵𝘢𝘳𝘵𝘜𝘱 𝘪𝘴 𝘢𝘭𝘴𝘰 𝘢 10-𝘱𝘢𝘺, 𝘯𝘰𝘯-𝘱𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘪𝘯𝘨 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦, 𝘸𝘪𝘵𝘩 𝘮𝘢𝘵𝘶𝘳𝘪𝘵𝘺 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘰𝘧 50% 𝘳𝘦𝘵𝘶𝘳𝘯 𝘰𝘧 𝘱𝘳𝘦𝘮𝘪𝘶𝘮 𝘨𝘪𝘷𝘦𝘯 𝘢𝘵 𝘵𝘩𝘦 𝘦𝘯𝘥 𝘰𝘧 𝘵𝘩𝘦 10𝘵𝘩 𝘺𝘦𝘢𝘳. 𝘠𝘰𝘶 𝘤𝘢𝘯 𝘢𝘱𝘱𝘭𝘺 𝘧𝘰𝘳 𝘵𝘩𝘪𝘴 𝘱𝘭𝘢𝘯 𝘶𝘯𝘥𝘦𝘳 𝘵𝘩𝘦 𝘚𝘪𝘮𝘱𝘭𝘪𝘧𝘪𝘦𝘥 𝘖𝘧𝘧𝘦𝘳 𝘶𝘱 𝘵𝘰 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘗𝘩𝘱 1 𝘔𝘪𝘭𝘭𝘪𝘰𝘯 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦.

𝘚𝘶𝘯 𝘍𝘪𝘳𝘴𝘵 𝘈𝘪𝘥 𝘗𝘭𝘶𝘴 𝘪𝘴 𝘢 10-𝘺𝘦𝘢𝘳 𝘯𝘰𝘯-𝘱𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘪𝘯𝘨 𝘩𝘰𝘴𝘱𝘪𝘵𝘢𝘭 𝘪𝘯𝘤𝘰𝘮𝘦 𝘚𝘪𝘮𝘱𝘭𝘪𝘧𝘪𝘦𝘥 𝘐𝘯𝘴𝘶𝘳𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘖𝘧𝘧𝘦𝘳 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘸𝘪𝘵𝘩 𝘢 𝘮𝘰𝘯𝘦𝘺 𝘣𝘢𝘤𝘬 𝘧𝘦𝘢𝘵𝘶𝘳𝘦 𝘰𝘳 𝘳𝘦𝘵𝘶𝘳𝘯 𝘰𝘧 𝘱𝘳𝘦𝘮𝘪𝘶𝘮𝘴. 𝘛𝘩𝘦 𝘳𝘦𝘵𝘶𝘳𝘯 𝘰𝘧 𝘱𝘳𝘦𝘮𝘪𝘶𝘮 𝘪𝘴 𝘦𝘲𝘶𝘢𝘭 𝘵𝘰 50% 𝘰𝘧 𝘵𝘩𝘦 𝘰𝘳𝘪𝘨𝘪𝘯𝘢𝘭 𝘱𝘳𝘦𝘮𝘪𝘶𝘮𝘴 𝘱𝘢𝘪𝘥 𝘢𝘵 𝘵𝘩𝘦 𝘦𝘯𝘥 𝘰𝘧 𝘵𝘩𝘦 10𝘵𝘩 𝘱𝘰𝘭𝘪𝘤𝘺 𝘺𝘦𝘢𝘳.

Whole life

𝘞𝘩𝘰𝘭𝘦 𝘓𝘪𝘧𝘦 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘈 𝘸𝘩𝘰𝘭𝘦 𝘭𝘪𝘧𝘦 𝘱𝘭𝘢𝘯 𝘪𝘴 𝘰𝘯𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘣𝘦𝘴𝘵 𝘤𝘩𝘰𝘪𝘤𝘦𝘴 𝘵𝘰 𝘨𝘦𝘵 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘩𝘢𝘯𝘥𝘭𝘦 𝘵𝘩𝘦 𝘪𝘯𝘩𝘦𝘳𝘦𝘯𝘵 𝘷𝘰𝘭𝘢𝘵𝘪𝘭𝘪𝘵𝘺 𝘰𝘧 𝘝𝘜𝘓 𝘱𝘭𝘢𝘯𝘴. 𝘠𝘰𝘶 𝘬𝘯𝘰𝘸 𝘩𝘰𝘸 𝘶𝘯𝘱𝘳𝘦𝘥𝘪𝘤𝘵𝘢𝘣𝘭𝘦 𝘵𝘩𝘦 𝘮𝘢𝘳𝘬𝘦𝘵 𝘤𝘢𝘯 𝘨𝘦𝘵 𝘢𝘯𝘥 𝘪𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘬𝘦𝘴 𝘺𝘰𝘶 𝘶𝘯𝘤𝘰𝘮𝘧𝘰𝘳𝘵𝘢𝘣𝘭𝘦 𝘵𝘩𝘦𝘯 𝘨𝘦𝘵 𝘢 𝘸𝘩𝘰𝘭𝘦 𝘭𝘪𝘧𝘦 𝘱𝘭𝘢𝘯 𝘸𝘩𝘪𝘤𝘩 𝘩𝘢𝘴 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘤𝘢𝘴𝘩 𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴.

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘊𝘭𝘢𝘴𝘴𝘪𝘤 & 𝘌𝘭𝘪𝘵𝘦 𝘪𝘴 𝘢 𝘱𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘪𝘯𝘨 𝘸𝘩𝘰𝘭𝘦 𝘭𝘪𝘧𝘦 𝘱𝘭𝘢𝘯 𝘵𝘩𝘢𝘵 𝘨𝘪𝘷𝘦𝘴 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘶𝘯𝘵𝘪𝘭 𝘢𝘨𝘦 100. 𝘞𝘩𝘢𝘵 𝘮𝘢𝘬𝘦𝘴 𝘪𝘵 𝘦𝘷𝘦𝘯 𝘮𝘰𝘳𝘦 𝘴𝘱𝘦𝘤𝘪𝘢𝘭 𝘪𝘴 𝘵𝘩𝘢𝘵 𝘵𝘩𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘪𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘪𝘴 𝘦𝘲𝘶𝘢𝘭 𝘵𝘰 𝘵𝘸𝘪𝘤𝘦 𝘵𝘩𝘦 𝘧𝘢𝘤𝘦 𝘢𝘮𝘰𝘶𝘯𝘵.

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘓𝘪𝘧𝘦 𝘊𝘭𝘢𝘴𝘴𝘪𝘤 𝘙𝘦𝘨𝘶𝘭𝘢𝘳 𝘗𝘢𝘺

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘓𝘪𝘧𝘦 𝘌𝘭𝘪𝘵𝘦 𝘙𝘦𝘨𝘶𝘭𝘢𝘳 𝘗𝘢𝘺

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘓𝘪𝘧𝘦 𝘊𝘭𝘢𝘴𝘴𝘪𝘤 𝘗𝘦𝘴𝘰 5 & 10

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘓𝘪𝘧𝘦 𝘌𝘭𝘪𝘵𝘦 𝘗𝘦𝘴𝘰 5 & 10

𝘊𝘭𝘢𝘴𝘴𝘪𝘤 𝘱𝘭𝘢𝘯 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘰𝘧𝘧𝘦𝘳 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘸𝘩𝘪𝘭𝘦 𝘧𝘰𝘳 𝘌𝘭𝘪𝘵𝘦 𝘱𝘭𝘢𝘯𝘴, 𝘺𝘰𝘶 𝘸𝘪𝘭𝘭 𝘳𝘦𝘤𝘦𝘪𝘷𝘦 𝘢 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥 8% 𝘢𝘯𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘦𝘥 𝘦𝘯𝘥𝘰𝘸𝘮𝘦𝘯𝘵 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 (𝘈𝘌𝘉) 𝘧𝘳𝘰𝘮 𝘵𝘩𝘦 𝘧𝘢𝘤𝘦 𝘢𝘮𝘰𝘶𝘯𝘵 𝘴𝘵𝘢𝘳𝘵𝘪𝘯𝘨 𝘢𝘵 𝘵𝘩𝘦 𝘦𝘯𝘥 𝘰𝘧 𝘵𝘩𝘦 6𝘵𝘩 𝘺𝘦𝘢𝘳 𝘢𝘯𝘥 𝘦𝘷𝘦𝘳𝘺 𝘵𝘸𝘰 𝘺𝘦𝘢𝘳𝘴 𝘵𝘩𝘦𝘳𝘦𝘢𝘧𝘵𝘦𝘳 𝘍𝘖𝘙 𝘓𝘐𝘍𝘌. 𝘛𝘢𝘬𝘦 𝘯𝘰𝘵𝘦 𝘵𝘩𝘢𝘵 𝘈𝘌𝘉 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘳𝘦𝘥𝘶𝘤𝘦 𝘵𝘩𝘦 𝘰𝘳𝘪𝘨𝘪𝘯𝘢𝘭 𝘧𝘢𝘤𝘦 𝘢𝘮𝘰𝘶𝘯𝘵.  

𝘚𝘶𝘯 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘓𝘪𝘧𝘦 𝘱𝘭𝘢𝘯𝘴 𝘢𝘳𝘦 𝘱𝘦𝘳𝘧𝘦𝘤𝘵 𝘧𝘰𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘸𝘩𝘰 𝘢𝘳𝘦 𝘭𝘰𝘰𝘬𝘪𝘯𝘨 𝘧𝘰𝘳 𝘴𝘪𝘮𝘱𝘭𝘦, 𝘦𝘢𝘴𝘺 𝘵𝘰 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘴𝘢𝘷𝘪𝘯𝘨𝘴 𝘱𝘳𝘰𝘥𝘶𝘤𝘵. 

𝘚𝘶𝘯 𝘍𝘪𝘵 & 𝘞𝘦𝘭𝘭 10/15/20 𝘪𝘴 𝘢 𝘱𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘪𝘯𝘨, 𝘭𝘪𝘮𝘪𝘵𝘦𝘥-𝘱𝘢𝘺 𝘸𝘩𝘰𝘭𝘦 𝘭𝘪𝘧𝘦 𝘤𝘳𝘪𝘵𝘪𝘤𝘢𝘭 𝘪𝘭𝘭𝘯𝘦𝘴𝘴 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘵𝘩𝘢𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘢 𝘤𝘰𝘮𝘣𝘪𝘯𝘦𝘥 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘰𝘧 𝘴𝘢𝘷𝘪𝘯𝘨𝘴 𝘢𝘯𝘥 𝘤𝘰𝘮𝘱𝘳𝘦𝘩𝘦𝘯𝘴𝘪𝘷𝘦 𝘩𝘦𝘢𝘭𝘵𝘩 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘰𝘯 𝘶𝘯𝘵𝘪𝘭 𝘢𝘨𝘦 100.

VUL

What is VUL?

VUL or variable unit-linked plan is a 2-in-1 product combining income protection and investment in one plan.

Benefits of VUL

You can get financially protected thru GUARANTEED Insurance and Grow your money thru investment  in mutual funds.

Here are the quaranteed insurance that can you get:

1. Life insurance- in the event of death your family we’ll get cash benefits equal

To your plan face amount, the amount can be use to help their family in daily expenses and to insure that they can still fulfill the dreams that they plan together.

2. Accidental death benefits - one of the unforeseen event in life is accident, you can maximized your income and for your family.

3. Disability coverage due to accident or illness when you get disabled or you can no longer work , you can claim this benifits that can help you in your finances.

4. Critical illness upon diagnosis you can covered any of critical illnesses and surgery you can use to pay hospital bills

5. Hospital income benefits when you get hospitalized illness or injury you can have  daily hospital allowance to help you to pay. 

HOW DOES IT DIFFER FROM OTHER INSURANCE PLANS?

With VUL insurance plan, not only your beneficiaries will enjoy the benefits of it but most of all, it’s you. This is because of the cash values it offers that you can use sometime in the future either for the college fund of your child, for your future business, or your retirement.

HOW MUCH DOES IT COST?

Premium really varies depending on the client’s age, gender, and smoking habit. Generally, you can start acquiring a VUL plan with as low as P1,000 to P3,000 per month. The higher your premium is, the higher the coverage you can get & cash value you can expect in the future.

WHAT ARE THE CHARGES?

Charges in VUL plans are taken on its first few years. For Sun Life VUL plans, they are:

• Premium charge – cost associated in setting up the policy
• Mortality charge – pertains to the insurance protection
• Monthly periodic charge – regular admin expenses
• Fund management charge – for the management of funds. This is already netted out  from the unit prices of each fund

UP TO WHAT AGE AM I COVERED IN VUL?

Some VUL plans get you covered until age 88, some until age 100.

CAN I ALSO ATTACH A HEALTH INSURANCE WITH VUL?

Yes. We have these so-called ‘riders‘ that you can attach to a VUL plan at an additional cost which also gives you additional coverage. With Sun Life VUL plans, some of the riders you can attach are Critical Illness Benefit and Hospital Income Benefit that already gives you a health insurance coverage.

WILL I RECEIVE ANY PROOF THAT I HAVE ACQUIRED A VUL PLAN?

Yes. Once your application for VUL insurance plan has been approved, a policy contract will be given to you by your trusted Financial Advisor.

DO YOU SEND STATEMENTS OF ACCOUNT?

Yes. You have the option to receive your statement of accounts either via email or a printed copy.

WHAT ARE THE REQUIREMENTS ON GETTING A VUL PLAN?

With Sun Life, the requirements are filled up application form, signed proposal, one primary ID or two secondary IDs, SSS or TIN number and initial payment

CAN I WITHDRAW FROM THE PLAN?

Yes. Afterall, it’s your money. However, it is not recommended that you do it within the first few years of the plan because of minimal investment returns. Take note that acquiring a VUL plan is a long-term investment.

WHAT HAPPENS WHEN I WITHDRAW ALL THE FUND VALUE IN MY VUL PLAN?

The plan automatically terminates. You can do partial withdrawals to keep the policy inforced.

I’M AN OFW WHO WANTS TO APPLY FOR A VUL PLAN, AM I ELIGIBLE?

Yes, as long as your application will be signed here in the Philippines.

WILL I STILL BE COVERED EVEN IF I GO OUT OF THE COUNTRY?

Yes.