ABOUT SUN LIFE FINANCIAL

IT’S TIME FOR A

Brighter Life Integrated Sales Tool 03.2015

MONEY FOR LIFE FOR A BRIGHTER LIFE: A HOLISTIC VIEW

BRIGHTER LIFE: A LIFE STAGE APPROACH TO FINANCIAL PLANNING

YOUR KEY FINANCIAL NEEDS

MONEY FOR LIFE SOLUTIONS

YOUR PERSONAL FINANCIAL PLANNING PRESENTATION

IT’S TIME FOR A

SUN LIFE FINANCIAL AROUND THE WORLD Growing our business and helping customers achieve lifetime financial security.

MEXICO CITY

INDONESIA

PHILIPPINES

VIETNAM

HONG KONG

CHINA

INDIA

MALAYSIA

UNITED KINGDOM

IRELAND

TOKYO

SINGAPORE

SYDNEY

DUBAI

BUENOS AIRES

SÁO PAULO

CANADA

UNITED STATES

PHOENIX

BOSTON MONTREAL

VANCOUVER

TORONTO

BERMUDA

HONG KONG

MILAN

FRANKFURT ZURICH

ROTTERDAM LONDON

PARIS

MADRID

MFS INVESTMENT MANAGEMENT

SUN LIFE FINANCIAL AROUND THE WORLD

WHO ARE WE IN THE PHILIPPINES

Sun Life of Canada (Philippines), Inc.

LIFE INSURANCE

Sun Life Asset Management Company, Inc.

MUTUAL FUNDS

Sun Life Financial Plans, Inc.

PRE-NEED PLANS

Sun Life Grepa

Financial, Inc.

JOINT VENTURE with YGC

Sun Life Financial Philippines

Foundation, Inc.

CORPORATE SOCIAL RESPONSIBILITY

OUR TRACK RECORD IN THE PHILIPPINES

*Based on Insurance Commission’s Report as of December 2014

SUN LIFE ASSET MANAGEMENT COMPANY, INC.

(MUTUAL FUNDS)

SUN LIFE OF CANADA

(PHILIPPINES), INC. (LIFE INSURANCE)

Php

158.

3

Php

140.

8

Php

119.

3

Php

103.

1

Php

89.2

2009 2010 2011 2012 2013

TOTAL ASSETS (IN BILLIONS)

Php

4.5

Php3

.2

Php

2.3

Php

1.7

Php

1.3

2009 2010 2011 2012 2013

WEIGHTED FIRST YEAR PREMIUM (WFYP)

(IN BILLIONS)

Php

29.7

Php

20.1

Php

13.9

Php

10.6

Php

9.6

2009 2010 2011 2012 2013

PRMIUM INCOME (IN BILLIONS)

Php

25.0

Php

9.7

Php

6.5

Php

4.7

Php

1.9

2009 2010 2011 2012 2013

GROSS SALES (IN BILLIONS)

Php

41.6

Php

28.7

Php

21.5

Php

19.4

Php

15.1

2009 2010 2011 2012 2013

ASSETS UNDER MANAGEMENT (AUM)

(IN BILLIONS)

NUMBER ONE LIFE INSURANCE COMPANY IN THE PHILIPPINES*

OUR MISSION IS TO HELP CUSTOMERS ACHIEVE LIFETIME FINANCIAL SECURITY

MEAN TO YOU TODAY?

WHAT DOES A

GETTING STARTED

Building independence and confidence

MOVING UP

Prioritizing family above all

PREPARING AHEAD

Nurturing my health and wealth

LEAVING A LEGACY

Ensuring lasting golden years

AT THE DIFFERENT STAGES OF YOUR LIFE, YOU HAVE DIFFERENT LIFE GOALS OR DREAMS.

AS YOU GO THROUGH LIFE, YOUR VISION OF A BRIGHTER LIFE ALSO CHANGES.

WHAT IS MONEY FOR LIFE?

MONEY FOR LIFE is your own customized HOLISTIC FINANCIAL PLAN that can be created to prepare you for your changing life goals and needs.

LEG

AC

Y

LEAVING A LEGACY

PREPARING AHEAD

MOVING UP

GETTING STARTED

LIFESTYLE

INVESTMENTS (education, retirement,

other life milestones)

INCOME PROTECTION

BASIC LIVING

PROTECTION

PROGRESSING IN YOUR CAREER

GETTING MARRIED

OR HAVING A CHILD

PREPARING FOR

RETIREMENT

LIVING YOUR GOLDEN

YEARS

HEALTH

HEALTH PROTECTION Money to cover medical expenses

related to accident, critical illness, hospitalization or long-term care

INVESTMENTS Money for future needs such as

children’s education, retirement and life milestones

LIFESTYLE Money for hobbies, recreational activities or for causes that you support.

LEGACY Money you leave behind for your loved ones, your chosen charity or foundation

BASIC LIVING Money for food,

clothing, shelter or anything you would

need to survive

INCOME PROTECTION Money to protect you and your family against life’s unforeseen events

WHAT IS MONEY FOR LIFE?

GETTING STARTED

Building independence and confidence

MOVING UP

Prioritizing family above all

PREPARING AHEAD

Nurturing my health and wealth

LEAVING A LEGACY

Ensuring lasting golden years

WHAT LIFE STAGE ARE YOU IN?

GETTING STARTED: BUILDING CONFIDENCE AND INDEPENDENCE

“I work my way towards my aspirations. I want to experience everything. I value my independence but I also want to give back to my parents.

I plan to build my own family someday.”

Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly

LEG

AC

Y

LEAVING A LEGACY

PREPARING AHEAD

MOVING UP

GETTING STARTED

LIFESTYLE

INVESTMENTS (education, retirement,

other life milestones)

INCOME PROTECTION

BASIC LIVING

PROTECTION

PROGRESSING IN YOUR CAREER

GETTING MARRIED

OR HAVING A CHILD

PREPARING FOR

RETIREMENT

LIVING YOUR GOLDEN

YEARS

HEALTH

YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE

PRIORITIES

FINANCIAL NEEDS

SOLUTIONS

Initial stage of career life Various personal

aspirations Strong desire to

experience everything From strengthening

financial independence to planning for achieving life goals/ building own family

Higher risk acceptance level

Day-to-day expenses Emergency fund Protection for

himself/herself and parents

Target saving for achieving personal goals and/ or building family

Solutions with savings and investment at similar importance

Dedicated plan for fulfilling target savings needs

Importance of H&A covers to secure achievement of personal plans

Emphasis on securing a plan for income protection for single breadwinners

WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?

YOUR BRIGHT CHOICES TODAY

1. CREATE A CONSCIOUS SPENDING PLAN.

3. ENSURE FUTURE INCOME.

2. BUILD AN EMERGENCY FUND.

4. SAVE FOR LIFE MILESTONES.

AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?

INCOME PROTECTION

RETIREMENT

HEALTH PROTECTION

EDUCATION

ESTATE TRANSFER

SAVING FOR LIFE MILESTONES

MOVING UP: PRIORITIZING FAMILY ABOVE ALL

“Family is my key concern. Everything I do is for them because I want to ensure that they are well provided for. Their needs are my priority too.

I enjoy being single and there are so many personal goals I plan to achieve”

Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly

LEG

AC

Y

LEAVING A LEGACY

PREPARING AHEAD

MOVING UP

GETTING STARTED

LIFESTYLE

INVESTMENTS (education, retirement,

other life milestones)

INCOME PROTECTION

BASIC LIVING

PROTECTION

PROGRESSING IN YOUR CAREER

GETTING MARRIED

OR HAVING A CHILD

PREPARING FOR

RETIREMENT

LIVING YOUR GOLDEN

YEARS

HEALTH

YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE

PRIORITIES

FINANCIAL NEEDS

SOLUTIONS

In the middle of career life Clearer picture on

personal goals Working hard on realizing

personal goals Family needs becoming top

priority (for married) Concern on personal

health Medium risk acceptance

level

High day-to-day expenses High emergency fund Protection for

himself/herself, own family and parents

Target saving for achieving personal and/ or family goals

Education fund for children

Start of retirement plan

Solutions with higher protection over savings for married

Solutions with savings and investment at similar importance for single

Dedicated plan for fulfilling target savings needs

Importance of H&A covers to secure achievement of personal and family plans

WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?

YOUR BRIGHT CHOICES TODAY

1. CREATE A CONSCIOUS SPENDING PLAN.

4. ENSURE INCOME IN CASE OF ILLNESS OR INJURY.

2. BUILD AN EMERGENCY FUND.

5. BUILD AN EDUCATION FUND.

3. ENSURE FUTURE INCOME.

6. SAVE FOR LIFE MILESTONES.

AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?

INCOME PROTECTION

RETIREMENT

HEALTH PROTECTION

EDUCATION

ESTATE TRANSFER

SAVING FOR LIFE MILESTONES

PREPARING AHEAD: NURTURING HEALTH AND WEALTH

“I have to make sure that I am able to take care of my needs, as well as provide for my family. With fewer expenses like education to worry about and my mortgage nearly paid off, it is time to think about retirement.

Maintaining my lifestyle after retirement is of key importance even though I plan to retire earlier.”

Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly

LEG

AC

Y

LEAVING A LEGACY

PREPARING AHEAD

MOVING UP

GETTING STARTED

LIFESTYLE

INVESTMENTS (education, retirement,

other life milestones)

INCOME PROTECTION

BASIC LIVING

PROTECTION

PROGRESSING IN YOUR CAREER

GETTING MARRIED

OR HAVING A CHILD

PREPARING FOR

RETIREMENT

LIVING YOUR GOLDEN

YEARS

HEALTH

PRIORITIES

FINANCIAL NEEDS

SOLUTIONS

Pre-retirement stage Accomplishment of career

goals Reduction on certain key

financial burdens or increase in financial burden as supporting two generations

Concern on retirement and personal health

Lower risk acceptance level

Lowering day-to-day expenses

Emergency fund Retirement plan Protection for

himself/herself and parents

Target saving for achieving personal goal

Retirement plan solutions with high protection and savings

Importance of H&A covers to secure future retirement life

Investment solutions with balanced investment strategy

YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE

WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?

YOUR BRIGHT CHOICES TODAY

1. CREATE A CONSCIOUS SPENDING PLAN.

4. ENSURE INCOME IN CASE OF ILLNESS OR INJURY.

2. BUILD AN EMERGENCY FUND.

5. PREPARE A RETIREMENT FUND.

3. ENSURE FUTURE INCOME.

6. SAVE FOR LIFE MILESTONES.

AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?

INCOME PROTECTION

RETIREMENT

HEALTH PROTECTION

EDUCATION

ESTATE TRANSFER

SAVING FOR LIFE MILESTONES

LEAVING A LEGACY: ENSURING LASTING GOLDEN YEARS

“I want to live my retirement years in comfort and pursuing lost passions. During these years, I intend to devote more time for my family, my hobbies and interests.

I plan to orderly transfer my wealth to the next generation.”

Having clear dreams and life goals will give you a compelling reason to SAVE and INVEST rather than SPEND needlessly

LEG

AC

Y

LEAVING A LEGACY

PREPARING AHEAD

MOVING UP

GETTING STARTED

LIFESTYLE

INVESTMENTS (education, retirement,

other life milestones)

INCOME PROTECTION

BASIC LIVING

PROTECTION

PROGRESSING IN YOUR CAREER

GETTING MARRIED

OR HAVING A CHILD

PREPARING FOR

RETIREMENT

LIVING YOUR GOLDEN

YEARS

HEALTH

YOUR IDEAL MONEY FOR LIFE TO ACHIEVE THE BRIGHTER LIFE

PRIORITIES

FINANCIAL NEEDS

SOLUTIONS

Retirement stage Concern on health care Spending mainly on

personal (and spouse’s if married) lifestyle and health care

No or very low financial burdens from next generation

Lowest risk acceptance level

Day-to-day expenses Health care Wealth preservation Protection for himself/

herself and spouse Plan for legacy/ estate

Solutions for wealth preservation

Importance of H&A covers to protect increasing health and medical expenses

Leaving legacy through life protection plan

WHAT DO YOU NEED TO DO NOW FOR A BRIGHTER LIFE TOMORROW?

YOUR BRIGHT CHOICES TODAY

1. CREATE A CONSCIOUS SPENDING PLAN.

4. PLAN FOR MY ESTATE.

2. BUILD AN EMERGENCY FUND.

5. BUILD A FUND FOR MY LOVED ONES.

3. PRESERVE RETIREMENT FUND.

6. SAVE FOR LIFE MILESTONES.

AMONG YOUR SEVERAL LIFE GOALS, WHAT DO YOU WANT US TO WORK ON TODAY?

INCOME PROTECTION

RETIREMENT

HEALTH PROTECTION

EDUCATION

ESTATE TRANSFER

SAVING FOR LIFE MILESTONES

YOUR KEY

INCOME PROTECTION

RETIREMENT

HEALTH PROTECTION

EDUCATION

ESTATE TRANSFER

SAVING FOR LIFE MILESTONES

FINANCIAL NEEDS

ENSURE FUTURE INCOME

IT’S TIME FOR A

Brighter Life Decks – INCOME PROTECTION 03.2015

IS YOUR FAMILY’S FUTURE SECURE IF YOU SUDDENLY RUN OUT OF TIME?

BRIGHT CHOICE: PROTECT YOUR FAMILY’S INCOME THROUGH LIFE INSURANCE

I Age: 35

I UNTIMELY DEATH

I Age: 35

I UNTIMELY DEATH

Your family will have to scale down their standard of living when what you have accumulated to date - bank deposits and investments - is not enough.

INCOME STOPS/DROPS

LIFE INSURANCE FILLS THE GAP between your existing wealth versus funds needed to support the family.

YOU WORKING FOR MONEY INCOME GROWS

YOUR MONEY WORKING FOR YOU INCOME CONTINUES

YOU WORKING FOR MONEY INCOME GROWS

FAMILY INCOME NEEDS LIABILITIES or DEBTS EXISTING CASH ASSETS

Php 50,000 (income your family needs to maintain

their current standard of living)

X 12 months

÷ 4%

(reasonable interest rate today)

LIABILITIES

Php 1,500,000 (e.g. house, car, personal loans, etc.)

+

EMERGENCY FUND

Php 300,000 (3-6 months income to help meet the unexpected)

+

FINAL EXPENSES

Php 1,200,000 (e.g. medical bills, funeral costs, estate taxes, etc.)

EXISTING LIFE INSURANCE COVERAGE

Individual : Php 2,000,000 Group : Php 2,000,000

+

CASH SAVINGS & INVESTMENT

Php 12,000,000

Php 15,000,000 Amount Needed to Provide for the Family

PLUS: Php 3,000,000 Amount Needed to Meet Liabilities

LESS: Php 16,000,000 Total Cash Assets

HOW MUCH WOULD YOU NEED TO PROVIDE INCOME PROTECTION FOR YOUR LOVED ONES?

Shortfall/Surplus in Income Protection Needs: Php 2,000,000

LIFE GOAL: COMREHENSIVE PROTECTION

I Age: 88

Php 2 MILLION DEATH BENEFIT

(PLUS PROJECTED FUND VALUE OF

Php 1.6 MILLION**

AT 8% AT AGE 55)

Ensure future income for your family when the inevitable comes while accumulating a Fund Value for your other life goals.

WITH ACCIDENT, DISABILITY, & CRITICAL ILLNESS COVERAGE * Premium holiday in 20 years, additional payments may be required if fund value is insufficient to pay for the applicable fees. Annual premium for CIB starts at P4,480 and increases every 5 years. ** 100% Balanced Fund. No withdrawals are made from 35 to 55. Projected Fund Value is not guaranteed.

Sample Product Solution

SUN FLEXILINK 35 YEAR OLD MALE I NON-SMOKER I Face Amount: Php 2,000,000

I Age: 35

I Age: 50

+ FUND ACCUMULATION SECURE A BRIGHTER LIFE FOR YOU AND YOUR FAMILY

with CRITICAL ILLNESS COVERAGE of P 1 MILLION

Php 69,140* Php 64,110* Php 59,670* Php 56,980*

I Age: 40

I Age: 45

I Age: 55

FAMILY INCOME NEEDS LIABILITIES or DEBTS EXISTING CASH ASSETS

Php___________________ (income your family needs to maintain

their current standard of living)

X 12 months

÷ ____%

(reasonable interest rate today)

LIABILITIES

Php___________________ (e.g. house, car, personal loans, etc.)

+

EMERGENCY FUND

Php___________________ (3-6 months income to help meet the unexpected)

+

FINAL EXPENSES

Php___________________ (e.g. medical bills, funeral costs, estate taxes, etc.)

EXISTING LIFE INSURANCE COVERAGE

Individual : Php_________________

Group : Php_________________

+

CASH SAVINGS & INVESTMENT

: Php___________________

Php___________________ Amount Needed to Provide for the Family

PLUS: Php___________________ Amount Needed to Meet Liabilities

LESS: Php___________________ Total Cash Assets

HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF ENSURING FUTURE INCOME?

Shortfall/Surplus in Income Protection Needs: Php___________________

LET’S COMPUTE FOR YOUR PROTECTION FUND

ENSURE INCOME IN CASE OF ILLNESS

IT’S TIME FOR A

Brighter Life Decks – HEALTH PROTECTION 03.2015

ARE YOU FINANCIALLY PREPARED WHEN A SERIOUS ILLNESS STRIKES?

THE REALITY: CRITICAL ILLNESS IS INEVITABLE.

SOURCES: NSO – top 3 leading causes of death, 5 out of 10 Filipinos die of Heart Disease Statistics on chronic disease and cancer – WHO 2005/ / Various Critical Health Societies’ Websites/Philip S. Chua, FEU-NRMF February 2001

According to National Statistics Office (NSO), THE TOP 3 LEADING CAUSES OF DEATH are due to CRITICAL ILLNESS.

NSO 2009 data show that 5 out of 10 DEATHS are CARDIOVASCULAR in nature.

More than 12 million people

are diagnosed with CANCER every year.

25% of all chronic disease deaths occur in people UNDER 60 years old

Diseases of the heart

Cerebrovascular diseases (stroke) Malignant Neoplasms (cancer)

THE REALITY: SURVIVAL IS POSSIBLE BUT COSTLY.

SOURCES: SOLAR 2009 Costing study for selected hospitals in the Philippines: (www.doh.gov.ph/sites/default/files/Costing%Study%20for%20Selected%20Hospitals%20in%20the%20Philippines.pdf)

Average cost of CHEMOTHERAPY PER SESSION is

Php 60,000

a TRIPLE CARDIAC BYPASS SURGERY would normally cost an average of

Php 900,000

when done in St. Luke’s Medical Center

100 95%

WHO GET SICK

SACRIFICE THEIR SAVINGS

53%

BORROW FROM FAMILY MEMBERS

ENSURE INCOME IN CASE OF ILLNESS/INJURY BRIGHT CHOICE: CREATE A SAFETY NET

An illness not only affects you physically but financially as well.

When this happens, you are blocked from achieving your goals and dreams in life.

A health protection plan provides the safety net that would help you get back on your feet after a serious illness.

ILLNESS or INJURY ILLNESS or INJURY GOAL GOAL

PITFALL TO YOUR LIFE GOAL SAVINGS WILL BE USED TO RECOVER AND SURVIVE

HEALTH PROTECTION PLAN CASH BENEFITS TO PAY FOR MEDICAL BILLS,

REPLACE LOST INCOME AND FUND LONG-TERM RECOVERY

YOUR INCOME STOPS AND SO WILL YOUR

ABILITY TO SAVE

I Age: 60

I Age: 30

I Age: 42

I Age: 88

Php 128,020*

ANNUAL PREMIUMS

Get guaranteed cash benefits in case of hospitalization, critical illness or accidental death, while building an investment-linked fund for future health care needs.

I Age: 50

I Age: 35

*Sample Product Solution

SUN FLEXILINK ASSIST OWNER: 30 YEAR OLD I FEMALE I NON-SMOKER I Face Amount: Php 1,000,000 with Accident, Disability, Hospital Income (Php 2,000/day until age 60) and Critical Illness (Php 500,000 until age 70) Coverage. 100% Balanced Fund, Premium holiday after 10 years. Additional payments may be required after 10 years if fund value is insufficient to pay for the applicable charges. ** The Critical Illness coverage premium increases every 5 years *** Projected Value at 8% is not based on past performance and is not guaranteed ****Upon diagnosis of any of the 36 Critical Illnesses specified in the contract

What would happen in case of a serious illness or accident at any stage in your life?

I Age: 40

Php 128,545**

ANNUAL PREMIUMS

HOSPITALIZED FOR 15 DAYS

DIAGNOSED WITH CRITICAL ILLNESS

Receive Php 500,000 from CRITICAL

ILLNESS BENEFIT****

Receive Php 30,000 from HOSPITAL

INCOME COVERAGE

(Php 2,000/day X 15 days)

Php 7.2 MILLION at 8%***

Fund for health and long-term care needs

LIFE GOAL: PREPARE FOR HEALTH & ACCIDENT-RELATED EXPENSES

HEALTH PROTECTION

DESIRED COVERAGE

EXISTING COVERAGE

SHORTFALL / SURPLUS IN COVERAGE

HOSPITALIZATION LESS: Php

CRITICAL ILLNESS LESS: Php

ACCIDENT & DISABILITY

LESS: Php

HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF ENSURING INCOME IN CASE OF AN ILLNESS?

Let’s compute your Safety Net.

SAVE FOR LIFE MILESTONES

IT’S TIME FOR A

Brighter Life Decks – SAVE FOR LIFE MILESTONES 03.2015

IS YOUR MONEY EARNING ENOUGH?

SAVE FOR LIFE MILESTONES BRIGHT CHOICE: MAKE MONEY EARN MORE

TIME

Start as early as you can

INTEREST

Find better-than-inflation rates

MONEY

Save as much as you can

MAKING MONEY EARN MORE BRIGHT CHOICE: START SAVING EARLY (TIME)

How much money will you have if you SAVED EARLY?

Php 3.5 Million*

at age 60

Saved starting 25 years old Php 100,000 annually for 35 years

Php 3 Million*

at age 60

Saved starting 30 years old Php 100,000 annually for 30 years

Php 2 Million*

at age 60

Saved starting 40 years old Php 100,000 annually for 20 years

*Assuming the money does not earn any interest

MAKING MONEY EARN MORE BRIGHT CHOICE: SAVE AS MUCH AS YOU CAN (MONEY)

How much money will you have if you SAVED MORE?

Php 2 Million* Php 200,000 Annually saved for 10 years

Php 1.5 Million* Php 150,000 Annually saved for 10 years

Php 1 Million* Php 100,000 Annually saved for 10 years

*Assuming the money does not earn any interest

MAKING MONEY EARN MORE BRIGHT CHOICE: FIND BETTER INTEREST RATES (INTEREST)

How much money will you have if your money EARNS MORE?

Php 215,893 Invested Php 100,000

8% per annum for 10 years

Php 162,889 Invested Php 100,000

5% per annum for 10 years

Php 110,462 Invested Php 100,000

1% per annum for 10 years

MONEY (SAVINGS) INTEREST (ANNUAL RATE OF RETURN)

ANNUAL 4% 6% 8% 10%

Php 12,000 37 years 30 years 26 years 23 years

Php 24,000 25 years 21 years 19 years 17 years

Php 36,000 19 years 17 years 15 years 14 years

Php 48,000 16 years 14 years 13 years 12 years

Php 60,000 13 years 12 years 11 years 10 years

Number of Years needed to save Php 1 Million

MAKING MONEY EARN MORE TIME VALUE OF MONEY

How can you save Php 1 MILLION?

*compounded annually

TIME Start as early as you can

MONEY Save as much as you can

INTEREST Find better-than-inflation rates

MAKING MONEY EARN MORE BRIGHT CHOICE: INVEST TO BEAT INFLATION

How can you build your fund for your dream car?

Saved in a financial product earning 8% return,

Php 1,469,328

Saved in a 364 day time deposit earning 2.41%* return,

P 1,126,450 *Based on the 5-year historical 364-day time deposit rate

However, the Php 1,000,000 CAR COSTS Php 1,276,282** AFTER 5 YEARS.

at 5% inflationary increase

Two people SAVED Php 1,000,000 and did not touch it for 5 YEARS.

I Age: 45

I Age: 35

I Age: 45

I Age: 35

LIFE GOAL: OWN A REAL ESTATE

The money I don’t spend now is the money I will save to buy my own home.

How much do they need to set aside annually to build a Property Fund of Php 5 Million in 10 years?

364D-TIME DEPOSIT potentially earning 2.41% p.a.

Php 437,595 annually for 10 years*

**Sample Product Solution

SUN FLEXILINK1 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 83,875 I No Riders I 100% Balanced Fund with regular excess premiums from durations 2 to 10. The Death Benefit is equivalent to the higher of the Fund Value or the Face Amount plus the single premium plus 125% of each excess premium, less 125% of each partial withdrawal, if any. Additional payments may be required if fund value is insufficient to pay for the applicable fees. When the fund value of Sun FlexiLink1 is fully withdrawn, the life insurance coverage terminates. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected fund value is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 10 years.

Php 5,000,968***

PROPERTY FUND

Php 5,000,968***

PROPERTY FUND

SUN FLEXILINK1 potentially earning 8% p.a.

Php 335,500 annually for 10 years** WITH LIFE INSURANCE COVERAGE OF AT LEAST P 419,375

I Age: 65

I Age: 55

LIFE GOAL: GIFT FOR LOVED ONES

The money I don’t spend now is the money I can leave to my loved ones as a gift.

How much do I need to set aside to leave a Fund of Php 10 Million to my Loved Ones?

364D-TIME DEPOSIT potentially earning 2.41% p.a.

Php 7,880,910 lump sum payment*

**Sample Product Solution

SUN MAXILINK ONE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 1,161,725 I No Riders I 100% Opportunity Fund The Death Benefit is equivalent to the higher of the Fund Value or 125% of the single premium, less 125% of each partial withdrawal, if any. Under the Guaranteed Insurability Offer, the death benefit shall be limited to the fund value plus insurance charges paid in the event of Insured’s demise within the first two years from policy date, except if due to accident. When the fund value of Sun MaxiLink One is fully withdrawn, the life insurance coverage terminates. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected fund value is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 10 years.

Php 10 Million***

FUND FOR LOVED ONES

Php 10 Million***

FUND FOR LOVED ONES

SUN MAXILINK ONE potentially earning 8% p.a.

Php 4,646,900 lump sum payment** WITH LIFE INSURANCE COVERAGE OF AT LEAST PHP 5,808,625

INVESTED FOR

I Age: 65

I Age: 55

10 YEARS

INVESTED FOR

10 YEARS

HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF SAVING FOR LIFE MILESTONES?

Your life milestone:

in ________ years.

Php ______________________________ ------------

BUILD AN EDUCATION FUND

IT’S TIME FOR A

Brighter Life Decks – EDUCATION 03.2015

ARE YOU READY TO SEND THEM TO THE BEST SCHOOLS

IN SPITE OF THE RISING COST OF EDUCATION?

SCHOOL (Metro Manila) 2008* (SOURCE)

2015 (BASE YEAR)

2020 (IN 5 YEARS)

2025 (IN 10 YEARS)

2030 (IN 15 YEARS)

2035 (IN 20 YEARS)

UNIVERSITY OF ASIA AND THE PACIFIC 124,800 280,233 499,403 889,985 1,586,041 2,826,481

DE LA SALLE UNIVERSITY 110,448 248,006 441,971 787,635 1,403,644 2,501,431

ATENEO DE MANILA UNIVERSITY 90,613 203,468 362,600 646,189 1,151,572 2,052,215

ASSUMPTION COLLEGE 84,315 189,326 337,397 601,275 1,071,530 1,909,573

MAPUA INSTITUTE OF TECHNOLOGY 84,000 188,618 336,136 599,028 1,067,527 1,902,439

ST. SCHOLASTICA’S COLLEGE 75,072 168,571 300,410 535,360 954,064 1,700,237

COLEGIO DE SAN JUAN DE LETRAN 50,440 113,261 201,842 359,702 641,025 1,142,369

UNIVERSITY OF THE EAST 47,840 107,423 191,438 341,161 607,982 1,083,484

UNIVERSITY OF STO. TOMAS 45,062 101,184 180,320 321,349 572,675 1,020,563

ST. PAUL COLLEGE (Quezon City) 44,256 99,375 177,096 315,602 562,434 1,002,314

UNIVERSITY OF THE PHILIPPINES 36,000 80,836 144,058 256,726 457,512 815,331

THE REALITY: ANNUAL COLLEGE TUITION FEE IS ON THE RISE.

*Rates were increased by 12.25% annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.

SCHOOL (Provincial) 2008* (SOURCE)

2015 (BASE YEAR)

2020 (IN 5 YEARS)

2025 (IN 10 YEARS)

2030 (IN 15 YEARS)

2035 (IN 20 YEARS)

ATENEO DE NAGA 28,084 63,061 112,382 200,275 356,910 636,049

CEBU DOCTORS UNIVERSITY 38,237 85,859 153,010 272,679 485,941 865,995

LA CONSOLACION (Bacolod) 19,215 43,146 76,891 137,028 244,197 435,183

UNIVERSITY OF SAN CARLOS (Cebu) 26,490 59,482 106,003 188,908 336,652 599,948

ATENEO DE DAVAO, UNIVERSITY 37,952 85,220 151,870 270,647 482,319 859,540

CAGAYAN CAPITOL (Cagayan De Oro) 20,070 45,066 80,313 143,125 255,063 454,547

SCHOOL (Provincial) 2008* (SOURCE)

2015 (BASE YEAR)

2020 (IN 5 YEARS)

2025 (IN 10 YEARS)

2030 (IN 15 YEARS)

2035 (IN 20 YEARS)

ST. LOUIS UNIVERSITY (Baguio) 18,500 26,166 46,630 83,099 148,090 263,911

WEST VISAYAS STATE UNIV. (Iloilo) 20,420 28,881 51,469 91,723 163,459 291,301

SILIMAN UNIVERSITY (Dumaguete) 56,000 79,204 141,149 251,542 448,273 798,866

THE REALITY: ANNUAL COLLEGE TUITION FEE IS ON THE RISE.

**Rates were increased by 12.25% annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer. ***Rates were increased by 12.25% annually based on the 2012 Annual Tuition Fees published in the university’s website.

2 years of SENIOR HIGH SCHOOL

KINDERGARTEN

4 years of JUNIOR HIGH SCHOOL

6 years of ELEMENTARY

BUILD AN EDUCATION FUND BRIGHT CHOICE: MAKE MONEY EARN MORE TO KEEP UP WITH THE COST OF EDUCATION

TIME

Start as early as you can

INTEREST

Find better-than-inflation rates

MONEY

Save as much as you can

HOW MUCH WILL TUITION FEES COST BY THE TIME YOUR CHILD ENTERS COLLEGE?

*sample computation

ESTIMATED ANNUAL TUITION

FEE INCREASE IS

Php 100,000

I Age: 21

PRESENT ANNUAL COLLEGE TUITION FEE

12.25% Php 713,129

FUTURE ANNUAL COLLEGE TUITION FEE

17 YEARS TO COLLEGE

I Age: 20

I Age: 19

I Age: 18

I Age: 1

TARGET EDUCATION FUND:

Php 3.4 MILLION

Php 800,487

Php 898,547

Php 1,008,619

1st Year

2nd Year

3rd Year

4th Year

LIFE GOAL: BUILD A COLLEGE EDUCATION FUND HOW MUCH DO THEY NEED TO SET ASIDE ANNUALLY TO HAVE AN EDUCATION FUND OF Php 3.4 MILLION?

I Parent’s Age: 35 Child’s Age: 1

I Parent’s Age: 45 I

Child’s Age: 18

I Parent’s Age: 35 Child’s Age: 1

I Parent’s Age: 45 I

Child’s Age: 18

The money I don’t spend now is the money I will spend for my child’s college education.

*364D-Time Deposit, rolled over every year, projected return is based on the 5-year historical interest rate of 2.41% per annum. ***Projected value for education at 2.41% and 8% are not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 17 years.

**Sample Product Solution

SUN MAXILINK PRIME OWNER: 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: P 1,000,000 with Accident and Disability Coverage I 100% Balanced Fund Additional payments may be required if fund value is insufficient to pay the applicable fees.

364D-TIME DEPOSIT potentially earning 2.41% p.a.

Php 251,874 annually for 10 years*

SUN MAXILINK PRIME potentially earning 8% p.a.

Php 151,440 annually for 10 years**

PARENT WITH LIFE INSURANCE COVERAGE OF AT LEAST Php 2 MILLION

Php 3.4 MILLION***

EDUCATION FUND

Php 3.4 MILLION***

EDUCATION FUND

HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF BUILDING AN EDUCATION FUND FOR YOUR CHILD?

ESTIMATED ANNUAL TUITION

FEE INCREASE IS

Php__________

I Age: ___

PRESENT ANNUAL COLLEGE TUITION FEE

__________%

Php__________

FUTURE ANNUAL COLLEGE TUITION FEE

______ YEARS TO COLLEGE

I Age: ___

I Age: ___

I Age: ___

I Age: ___

TARGET EDUCATION FUND:

Php____________________________

Php__________

Php__________

Php__________

1st Year

2nd Year

3rd Year

4th Year

I Age: ___

LESS Future Value of Existing Savings: Php __________ Expected Fund: Php __________

CHILD’S NAME: ___________________________________

Php__________

5th Year

PREPARE A RETIREMENT FUND

IT’S TIME FOR A

Brighter Life Decks – RETIREMENT 03.2015

WOULD YOU LIKE TO BE FINANCIALLY FREE IN YOUR RETIREMENT YEARS?

THE REALITY: WHY SHOULD WE TAKE RETIREMENT SERIOUSLY?

SOURCES: Life Expectancy – National Statistical Coordination Board (YEAR) Out of 100 retirees Statistics – Study of Lifestyles, Attitudes & Relationships (SOLAR) 2007 Monthly Pension – SSS Contribution Table, Revision January 2007

NATIONAL STATISTICAL COORDINATION BOARD ESTIMATES LIFE EXPECTANCY TO BE AT

67.61 YEARS OLD FOR MALES

73.14 YEARS OLD

FOR FEMALES

AVERAGE MONTHLY PENSION IN THE PHILIPPINES IS ONLY

Php 8,000

ACCORDING TO IT’S TIME FINDINGS, OUT OF 100 RETIREES:

ONLY 2 ARE FINANCIALLY INDEPENDENT

45 STILL DEPEND

ON THEIR RELATIVES

23 CONTINUE TO WORK

30 RELY ON CHARITY

I Age: 35

I Age: 60

THE REALITY: RETIREMENT WILL COST MORE WITH INFLATION.

*Based on the figures published in the National Statistics website, average inflation rate for the past 15 years, specifically from 2000 to 2014, is 4.7%.

ANNUAL INFLATION

RATE IS

5%

Php 30,000

Php 101,591

25 years to RETIREMENT

PREPARE A RETIREMENT FUND BRIGHT CHOICE: BUILD PASSIVE INCOME

TIME

Start as early as you can

INTEREST

Find better-than-inflation rates

MONEY

Save as much as you can

BUILD PASSIVE INCOME BRIGHT CHOICE: START SAVING EARLY (TIME)

How much money will you have if you SAVED EARLY?

Php 2.5 Million*

at age 60

Saved starting 35 years old Php 100,000 annually for 25 years

Php 2 Million*

at age 60

Saved starting 40 years old Php 100,000 annually for 20 years

Php 1.5 Million*

at age 60

Saved starting 45 years old Php 100,000 annually for 15 years

*Assuming the money does not earn any interest

BUILD PASSIVE INCOME BRIGHT CHOICE: SAVE AS MUCH AS YOU CAN (MONEY)

How much money will you have if you SAVED MORE?

Php 2 Million* Php 200,000 Annually Saved for 10 years

Php 1.5 Million* Php 150,000 Annually Saved for 10 years

Php 1 Million* Php 100,000 Annually Saved for 10 years

*Assuming the money does not earn any interest

BUILD PASSIVE INCOME BRIGHT CHOICE: FIND BETTER INTEREST RATES (INTEREST)

How much money will you have if your money EARNS MORE?

Php 215,893 Invested Php 100,000

8% per annum for 10 years

Php 162,889 Invested Php 100,000

5% per annum for 10 years

Php 110,462 Invested Php 100,000

1% per annum for 10 years

MONEY (SAVINGS) INTEREST (ANNUAL RATE OF RETURN)

ANNUAL 4% 6% 8% 10%

Php 12,000 37 years 30 years 26 years 23 years

Php 24,000 25 years 21 years 19 years 17 years

Php 36,000 19 years 17 years 15 years 14 years

Php 48,000 16 years 14 years 13 years 12 years

Php 60,000 13 years 12 years 11 years 10 years

Number of Years needed to save Php 1 Million

BUILD PASSIVE INCOME TIME VALUE OF MONEY

How can you save Php 1 MILLION?

TIME Start as early as you can

MONEY Save as much as you can

INTEREST Find better-than-inflation rates

HOW MUCH WILL YOU NEED TO BECOME FINANCIALLY FREE IN YOUR RETIREMENT YEARS?

*sample computation

ESTIMATED ANNUAL

INFLATION RATE

5%

25 years to RETIREMENT

I Age: 35

I Age: 60

PRESENT ANNUAL COST OF LIVING

FUTURE ANNUAL COST OF LIVING

DIVIDED BY EXPECTED RETURN:

TARGET RETIREMENT FUND Php 24.4 MILLION

Php 1,219,088 Php 30,000

5%

LIFE GOAL: RETIREMENT FUNDING

I Age: 35

I Age: 45 I

Age: 60

I Age: 35

I Age: 45 I

Age: 60

The money I don’t spend now is the money I will spend for my Retirement.

**Sample Product Solution

SUN MAXILINK PRIME 35 YEAR OLD I MALE I NON-SMOKER I Face Amount: P 500,000 with Accident and Disability Coverage, 100% Balanced Fund, Additional payments may be required if fund value is insufficient to pay for the applicable fees. * 364D-Time Deposit, rolled over every year, projected returns based on the 5-year historical interest rate of 2.41% per annum *** Projected value for retirement is not guaranteed. Past performance is not indicative of future results. No withdrawals are made for 25 years

SUN MAXILINK PRIME potentially earning 8% p.a. WITH LIFE INSURANCE COVERAGE OF AT LEAST Php 1 MILLION

364D-TIME DEPOSIT potentially earning 2.41% p.a.

Php 1,494,018 annually for 10 years*

Php 24.4 MILLION***

How much do they need to set aside annually to build a Retirement Fund of Php 24.4 Million?

Php 513,220 annually for 10 years** RETIREMENT FUND

Php 24.4 MILLION*** RETIREMENT FUND

I Age Today: ____

I Retirement Age: ____ _____ years to RETIREMENT

HOW MUCH DO YOU NEED TO MAKE THE BRIGHT CHOICE OF PREPARING A RETIREMENT FUND?

ESTIMATED ANNUAL

INFLATION RATE

________%

PRESENT ANNUAL COST OF LIVING

FUTURE ANNUAL COST OF LIVING

DIVIDED BY EXPECTED RETURN:

TARGET RETIREMENT FUND Php

Php

Php

%

Future Value of Existing Savings:

Php

Expected Fund: Php

LESS:

PLAN YOUR ESTATE

IT’S TIME FOR A

Brighter Life Decks – ESTATE PLAN NING 03.2015

ARE YOU AWARE THAT IN THE EVENT OF DEATH, NOT EVERYTHING YOU ACCUMULATED WILL BE PASSED ON TO YOUR HEIRS?

THE REALITY

Your heirs will need to pay the government up to 20% of the value of your estate before it can be transferred to their names.

YOUR ESTATE

FINANCIAL ASSETS Bank Savings Account, Bonds, Stocks, Mutual Funds, UITFs

REAL ASSETS Real Estate Property, Business,

Vehicle, Collectibles

GOVERNMENT YOUR HEIR/S

ESTATE TAX COMPUTATION (WHAT YOU OWE TO THE GOVERNMENT BEFORE THEY TRANSFER YOUR ESTATE TO YOUR HEIRS)

OVER BUT NOT OVER YOUR TAX WILL BE PLUS OF THE EXCESS OVER

--- Php 200,000 Exempted

Php 200,000 Php 500,000 -NIL- 5% Php 200,000

PHp 500,000 Php 2,000,000 Php 15,000 8% Php 500,000

Php 2,000,000 Php 5,000,000 Php 135,000 11% Php 2,000,000

Php 5,000,000 Php 10,000,000 Php 465,000 15% Php 5,000,000

Php 10,000,000 and over Php 1,215,000 20% Php 10,000,000

THE REALITY

“In this world, nothing can be said

to be certain, except DEATH and TAXES”

SAMPLE COMPUTATION Your Net Estate : Php 30,000,000 Estate Tax Computation : Php 1,215,000 + (Php 20,000,000 x 20%)

Total Estate Tax : Php 5,215,000

- Benjamin Franklin

PLAN FOR YOUR ESTATE BRIGHT CHOICE: CREATE A LIQUID FUND TO SETTLE YOUR ESTATE TAXES

* Annual premium starts at Php 55,809 and increases every 5 years. Total premium is the amount payable assuming that the client lives within the plan’s coverage period (Age 55 to 75).

Sample Product Solution

SUN SAFER LIFE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 2,607,500

Life Insurance is the only financial vehicle that can ensure efficient transfer of your wealth.

Php 30 MILLION NET ESTATE

Pay the Government

Php 5,215,000 in Estate Taxes out-of-pocket

Php 24,785,000

TOTAL NET ESTATE

Php 30 MILLION TOTAL NET ESTATE

Php 30 MILLION NET ESTATE

Secure Life Insurance coverage of

Php 5,215,000 and pay

Php 2,120,857 in Total Premiums*

ASSET MARKET VALUE

REAL ASSETS (Real Estate, Business, Cars, etc.)

Php 20,000,000

FINANCIAL ASSETS (Bank Savings Accounts, Bonds, Stocks, Mutual Funds, UITFs, etc.)

Php 10,000,000

TOTAL MARKET VALUE Php 30,000,000

TOTAL ESTATE TAX Php 5,215,000*

LESS: EXISTING INSURANCE Php 2,000,000

TOTAL (SHORT FALL) Amount needed to pay for Estate Taxes Php 3,215,000

HOW MUCH LIQUID FUND DO YOU NEED TO PRESERVE THE VALUE OF YOUR ESTATE?

*Estate Tax may vary depending on the value of assets upon death

LIFE GOAL: BEST VALUE ESTATE PRESERVATION PLAN PRESERVE THE VALUE OF YOUR ESTATE

Php 3,215,000**

DEATH BENEFIT

Ensure efficient transfer of your wealth through term life insurance

Php 1,310,555 in TOTAL PREMIUMS versus

Php 3,215,000 in LUMP SUM CASH for ESTATE TAXES

* Renewable every 5 years. Total premiums is the amount payable assuming that the client lives within the plan’s coverage period (Age 55 to 75). ** Not subject to estate tax if beneficiary designation is irrevocable.

Sample Product Solution

SUN SAFER LIFE 55 YEAR OLD I MALE I NON-SMOKER I Face Amount: Php 1,607,500

I Age: 55

I Age: 70

MINIMAL INCREASE WITH MAXIMUM COVERAGE

Php 108,488* Php 69,233* Php 49,831* Php 34,559*

I Age: 60

I Age: 65

I Age: 75

ASSET MARKET VALUE

REAL ASSETS (Real Estate, Business, Cars, etc.)

FINANCIAL ASSETS (Bank Savings Accounts, Bonds, Stocks, Mutual Funds, UITFs, etc.)

TOTAL MARKET VALUE

TOTAL ESTATE TAX

LESS: EXISTING INSURANCE

TOTAL (SHORT FALL) Amount needed to pay for Estate Taxes

How much do you need to make the BRIGHT CHOICE of creating a fund to preserve the value of your ESTATE?

LET’S COMPUTE FOR YOUR LIQUID FUND

MONEY FOR LIFE PRODUCT SOLUTIONS FOR

GETTING STARTED

MONEY FOR LIFE PRODUCT SOLUTIONS ADVISOR’S REFERENCE

MONEY FOR LIFE PRODUCT SOLUTIONS FOR

MOVING UP

MONEY FOR LIFE PRODUCT SOLUTIONS FOR

PREPARING AHEAD

MONEY FOR LIFE PRODUCT SOLUTIONS FOR

LEAVING A LEGACY

LIFE PROTECTION PRODUCTS

SAVING LEVEL PRODUCTS

LOW SUN Safer Life 5YRCT - Safer Life Rider (5YRCT)

MEDIUM SUN StartUp SUN Smarter Life Classic

WEALTH PRODUCTS

RISK/SPECIAL FEATURES

GENERAL

MEDIUM Sun FlexiLink Sun FlexiDollar

HIGH Sun FlexiLink 1 Sun FlexiLinkDollar 1

HEALTH AND ACCIDENT PRODUCTS

COVERAGE HI & HS CRITICAL ILLNESS (CI) ACCIDENTAL DEATH,

DISMEMBERMENT AND DISABLEMENT

DISABILITY

ESSENTIAL

Sun First Aid Sun LifeAssure Living Benefit Rider (LBR)

Accidental Death Benefit Rider (ADB)

Total Disability Benefit Rider (TDB) Advance Payment Disability

Benefit Rider (APDB) Contingent Benefit

Upon Disability Rider (CBTD) Waiver of Premium Coverage

After Death of Initial Owner Rider (WPD) Waiver of Premium Coverage Upon Death or Disability

of Initial Owner Rider (WPDD)

COMPREHENSIVE

Accidental Death, Dismemberment and Disablement Rider (ADDD)

MONEY FOR LIFE PRODUCT SOLUTIONS FOR GETTING STARTED

HEALTH AND ACCIDENT PRODUCTS

COVERAGE HI & HS CRITICAL ILLNESS (CI) PREGNANCY CARE HEALTH FUND ACCIDENTAL DEATH, DISMEMBERMENT &

DISABLEMENT DISABILITY

ESSENTIAL

Sun First Aid Hospital Income

Benefit Rider (HIB)

Sun LifeAssure Living Benefit Rider

(LBR) Critical Illness

Benefit Rider (CIB)

Accidental Death Benefit Rider (ADB)

Total Disability Benefit Rider (TDB) Advance Payment Disability Benefit Rider

(APDB) Contingent Benefit Upon Disability Rider

(CBTD) Waiver of Premium Coverage After Death of

Initial Owner Rider (WPD) Waiver of Premium Coverage Upon Death or

Disability of Initial Owner Rider (WPDD)

COMPREHENSIVE

Sun Maiden Female Critical

Illness Benefit Rider (FCI)

Sun Maiden Plus Female Critical Illness

and Maternity Benefit Rider (FCIM)

Sun FlexiLink Assist

Accidental Death, Dismemberment and Disablement Rider (ADDD)

LIFE PROTECTION PRODUCTS

SAVING LEVEL PRODUCTS

MEDIUM SUN Smarter Life Classic

HIGH SUN Smarter Life Elite

WEALTH PRODUCTS

RISK/SPECIAL FEATURES GENERAL EDUCATION

LOW Sun Acceler8 Sun Dream Achiever

MEDIUM

Sun FlexiLink Sun FlexiDollar Sun MaxiLink Prime Sun MaxiLink Bright

HIGH Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun Life Prosperity Funds

MONEY FOR LIFE PRODUCT SOLUTIONS FOR MOVING UP

HEALTH AND ACCIDENT PRODUCTS

COVERAGE HI & HS CRITICAL ILLNESS (CI) HEALTH FUND ACCIDENTAL DEATH,

DISMEMBERMENT AND DISABLEMENT

DISABILITY

ESSENTIAL

Sun First Aid Hospital Income Benefit

Rider (HIB)

Sun LifeAssure Living Benefit Rider (LBR) Critical Illness Benefit Rider

(CIB)

Accidental Death Benefit Rider (ADB)

Total Disability Benefit Rider (TDB)

Waiver of Premium Coverage After Death of Initial Owner Rider (WPD)

Waiver of Premium Coverage Upon Death or Disability of Initial Owner Rider (WPDD)

COMPREHENSIVE Sun Flexilink Assist

WEALTH PRODUCTS

RISK/SPECIAL FEATURES GENERAL INVESTMENT DIVERSIFICATION

LOW Sun Acceler8

MEDIUM Sun MaxiLink Prime Sun MaxiLink Bright

Sun Dollar Maximizer*

HIGH

Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun MaxiLink One Sun MaxiLink Dollar One Sun Life Prosperity Funds

LIFE PROTECTION PRODUCTS

SAVING LEVEL PRODUCTS

HIGH SUN Smarter Life Elite

MONEY FOR LIFE PRODUCT SOLUTIONS FOR PREPARING AHEAD

*limited offer product

LIFE PROTECTION PRODUCTS

SAVING LEVEL PRODUCTS

LOW SUN Safer Life

HEALTH AND ACCIDENT PRODUCTS

COVERAGE HEALTH FUND

COMPREHENSIVE Sun Flexilink Assist

WEALTH PRODUCTS

RISK/SPECIAL FEATURES

GENERAL INVESTMENT DIVERSIFICATION

MEDIUM Sun MaxiLink Prime Sun MaxiLink Bright

HIGH

Sun FlexiLink 1 Sun FlexiLinkDollar 1 Sun MaxiLink One Sun MaxiLink Dollar One Sun Life Prosperity Funds

Sun Dollar Maximizer*

MONEY FOR LIFE PRODUCT SOLUTIONS FOR LEAVING A LEGACY

*limited offer product