Find the plan that fits your life

Pay for at least 10 years · life cover of at least 2× your coverage · Minimum coverage: ₱350,000

What is it?

Life insurance and an investment in one plan. Part of what you pay protects your family, and the rest goes into a fund that can grow over time.

How do I pay?

You pay for at least 10 years. You can also add extra money (top-ups) anytime to grow your fund faster.

What does my family get?

If you pass away, your family receives at least 2× your coverage amount, plus whatever is in your fund.

What do I get while I’m alive?

A fund you can use later for retirement, your kids’ education or a big life goal.

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you.

What if I need money?

You can withdraw part of your fund for emergencies.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

What should I watch out for?

The fund isn’t guaranteed. It moves with the market, and if it runs low you may need to keep paying past 10 years. It works best if you keep it for 15 to 20 years or more.

Best for: Long-term investors, Want protection and growth, Can commit to the full term, Okay with market ups and downs.

Regular pay · covered up to age 100 · Minimum coverage: ₱350,000

What is it?

Life insurance with an investment, built to keep you covered until age 100 at a lighter yearly cost.

How do I pay?

You pay regularly, yearly, every 6 months or every 3 months, for as long as the plan runs. You can add top-ups anytime.

What does my family get?

If you pass away anytime before age 100, your family receives at least 2× your coverage amount, plus your fund.

What do I get while I’m alive?

A fund that can grow for life milestones, your kids’ education or retirement, and that you can withdraw from in emergencies.

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you.

What if I need money?

You can withdraw part of your fund for emergencies.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

What should I watch out for?

You keep paying for as long as you want the plan. The fund isn’t guaranteed and moves with the market.

Best for: Young professionals, Want lifetime coverage, Smaller regular budget, Long-term investors.

Regular pay · life cover equal to your coverage amount

What is it?

A starter plan with life insurance and an investment, paid regularly.

How do I pay?

You pay regularly while the plan runs, and you can add top-ups anytime.

What does my family get?

If you pass away, your family receives at least your coverage amount (1×), plus your fund.

What do I get while I’m alive?

A fund you can grow for future income, life milestones, education or retirement.

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you.

What if I need money?

You can withdraw part of your fund for emergencies.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

What should I watch out for?

Life cover is 1× your coverage, while MaxiLink 100 and Prime give at least 2×. The fund isn’t guaranteed.

Best for: First job or starting out, Smaller regular budget, Want to start investing now.

Pay for at least 5 years · life cover of at least 2× your coverage

What is it?

Life insurance with an investment, for people who want to finish paying fast.

How do I pay?

You pay for at least 5 years. Each yearly payment is bigger than a regular-pay plan because you’re squeezing it into fewer years. Top-ups are allowed anytime.

What does my family get?

If you pass away, your family receives at least 2× your coverage amount, plus your fund.

What do I get while I’m alive?

A fund that keeps working after you stop paying, for your kids’ education, your future income or a milestone.

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you.

What if I need money?

You can withdraw part of your fund for emergencies.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

What should I watch out for?

The fund isn’t guaranteed. If it runs low, you may need to pay beyond 5 years.

Best for: Parents with kids starting school, Higher income right now, Want to finish paying fast, Long-term investors.

Pay once · life cover for your family

What is it?

A one-payment plan that puts a lump sum to work while giving your family life insurance.

How do I pay?

Once. No yearly bills after that.

What does my family get?

If you pass away, your family receives a life insurance benefit plus your fund.

What do I get while I’m alive?

There are no upfront charges, so your whole payment is invested from day 1. It suits a retirement fund or money you want to leave for loved ones.

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you.

What if I need money?

You can withdraw part of your fund for emergencies.

Do I need a medical exam?

Usually not. It comes with guaranteed acceptance through the Guaranteed Insurability Offer, within the limits Sun Life sets.

What should I watch out for?

The fund value moves with the market and is not guaranteed.

Best for: Have a lump sum to put to work, Building a retirement fund, Leaving money for loved ones, Estate planning.

Pay for 5 or 10 years · covered up to age 100 · Minimum coverage: ₱375,000

What is it?

Life insurance with an investment that anyone can apply for. No medical exam, and acceptance is guaranteed within the insurer’s limits.

How do I pay?

For 5 or 10 years, yearly, every 6 months, every 3 months or monthly. If money gets tight, you can pause payments (a premium holiday) while your fund covers the charges.

What does my family get?

Life cover until age 100 of at least 5× your yearly payment. In the first 2 years, if death is from illness, your family receives the fund value plus charges paid. Accidents are covered in full from day 1.

What do I get while I’m alive?

Three bonuses for staying on track: up to 25% of your yearly payment added at the end of your paying years; a portion of charges returned from year 10 and every 5 years after; and a 1% loyalty bonus from year 10 and every 2 years after (not guaranteed).

Where does my money go?

You choose from a range of investment funds, from safer ones to more aggressive ones, depending on how much ups and downs you’re okay with. Professional fund managers handle the investing for you. You can switch funds for free up to 4 times a year.

What if I need money?

You can withdraw part of your fund, but withdrawals or pausing payments may cost you your bonuses.

What should I watch out for?

It’s life insurance only, with no health or illness benefits. The 5 or 10 years of paying isn’t guaranteed; if the fund runs low, you may need to pay more.

Best for: Have a medical condition, Put off insurance because of the process, Small yearly budget, Want lifetime coverage.

Renews every 5 years · covered up to age 70 · Minimum coverage: ₱1,000,000

What is it?

Simple, affordable protection. It pays you cash if you get seriously sick, or pays your family if you pass away.

How do I pay?

Yearly or in smaller installments. The plan renews every 5 years up to age 70, and the price goes up with your age at each renewal.

What if I get sick?

You receive your full coverage amount as a lump sum if diagnosed with any of 32 critical illnesses, like heart attack, stroke, cancer, kidney failure or Alzheimer’s.

What about surgeries?

It also pays if you need any of 4 major surgeries: an organ transplant, heart bypass, aorta surgery or heart valve replacement.

How can I use the money?

However you want: treatment, recovery, alternative medicine, or simply things you’ve always wanted to do.

What does my family get?

If you pass away from something other than a covered illness, your family receives your coverage amount.

Can I add more protection?

Yes. You can add riders for accidents and disability.

What should I watch out for?

It pays once, either for the illness or for death, and then the plan ends. Nothing comes back if you stay healthy. A diagnosis in the first 90 days isn’t covered, and pre-existing conditions may be excluded.

Best for: Tight budget, First-time insurance buyers, Already have an HMO, Breadwinners.

Renews every 5 years · up to age 75

What is it?

Term life insurance. It gives your family big protection for a set period, at a lower cost than lifetime plans.

What does my family get?

Up to 2× your coverage amount if you pass away.

How do I pay?

Yearly, every 6 months or every 3 months. Monthly through auto-debit is possible after your first quarterly payment.

How long am I covered?

It renews automatically every 5 years up to age 75, with no new health check. The price adjusts to your age at each renewal.

Can I upgrade later?

Yes. Before age 65, you can switch to an eligible lifetime or investment plan and keep the same protection, without a new health check.

Can I add more protection?

Yes. You can add riders for accidents and disability.

What should I watch out for?

It’s pure protection, so nothing comes back if you outlive the plan. The price goes up at each renewal.

Best for: Parents with young kids, Breadwinners with loans, Want big coverage on a budget, Planning to upgrade later.

Pay for 5 or 10 years (or regular pay) · covered up to age 100 · Minimum coverage: ₱200,000

What is it?

Lifetime life insurance with no investment, so nothing depends on the market.

How do I pay?

For 5 or 10 years, or regularly.

What does my family get?

Double your coverage amount, until age 100.

What do I get while I’m alive?

Guaranteed cash values that build up over time.

What if I need money?

You can borrow against your cash values in an emergency.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

Best for: Breadwinners, Parents with young kids, Prefer simple over complicated, Do not want market risk.

Regular pay, or done in 5 or 10 years · covered up to age 100

What is it?

Lifetime life insurance with no investment, that also pays you guaranteed cash for life.

How do I pay?

Regularly, or finish in 5 or 10 years. Yearly, every 6 months or every 3 months, or monthly through auto-debit after your first quarterly payment.

What does my family get?

Double your coverage amount, from day 1 until age 100.

What do I get while I’m alive?

Guaranteed cash every 2 years for life, starting at the end of year 6. Take it, or leave it in the plan to grow for later. Dividends can also be taken as cash or used to pay premiums (not guaranteed).

What if I need money?

Borrow against your guaranteed cash value instead of going to lenders or selling your things. If diagnosed with a terminal illness, part of your coverage can be paid early.

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

How is it different from Smarter Life Classic?

Both give 2× life cover until 100 with no market risk. Elite adds guaranteed cash every 2 years for life.

Best for: Breadwinners, Want lifetime coverage, Want guaranteed cash for life, Do not want market risk, Estate planning.

Pay for 10 years · covered up to age 100 · Minimum coverage: ₱300,000

What is it?

Complete health protection that pays you cash from the moment you’re diagnosed, through treatment and recovery. Your HMO pays the hospital; this pays you.

Which version should I get?

There are 3. Fit and Well covers illnesses. Fit and Well Plus adds cash back from age 65. Fit and Well Advantage, my best seller, adds both plus cash for hospital stays, follow-up check-ups, home recovery and palliative care.

How do I pay?

A fixed amount for 10, 15 or 20 years, yearly, every 6 months, every 3 months or monthly. Then you’re covered until age 100.

What if I get sick?

It covers 114 conditions: 64 major illnesses, 34 minor ones and 16 specific cancers. A minor illness pays part of your coverage, and you can still claim later for a major one.

What if it’s cancer?

You get an extra 50% of your coverage on first diagnosis of a covered cancer. On Advantage, the hospital, home recovery and palliative care benefits are also 50% higher.

What do I get while I’m alive?

From age 65, 5% of your coverage every year for 8 years, even if you never claim (Plus and Advantage). You also get a special bonus when you finish paying, then yearly dividends you can withdraw or leave to grow (not guaranteed).

What does my family get?

Your coverage amount, until age 100, minus anything already paid out for minor illnesses or cash back.

Real example

Parents insured their newborn for ₱1M, paying 15 years. He was hospitalized for dengue at 5, had kidney disease at 50, got ₱400K cash back from 65 to 72, and had kidney failure at 73. In total, the plan paid out ₱1,023,750, plus dividends.

Anything else?

Access to a wellness program, with health info, fitness events and nutrition experts.

What should I watch out for?

The illness has to be one of the covered conditions in the policy, and pre-existing conditions may be excluded. Dividends and the special bonus are not guaranteed.

Best for: Working adults, Already have an HMO, Want big medical coverage, Want to finish paying early.

Regular pay · First Aid Plus gives up to 75% back at year 10

What is it?

A hospital income plan. It gives you a fixed amount of cash for every day you’re confined in the hospital.

What does it cover?

Hospital confinement, surgery, long hospital stays and ICU admission. The daily amount depends on the plan level you pick.

Why do I need it if I have an HMO?

Your HMO pays the hospital. This pays you, for the income you lose while you’re out and the extra costs like transport, food and a bantay.

What does my family get?

If you pass away, your family receives the total premiums you’ve paid. If it’s from an accident, they receive double.

What if I can’t work anymore?

If you become totally disabled, you no longer need to pay premiums, and your coverage continues.

First Aid vs First Aid Plus?

Same hospital cash. First Aid Plus adds a money-back feature: up to 75% of your total premiums back on the 10th policy anniversary, if you outlive the protection period.

What should I watch out for?

Only First Aid Plus gives money back. The regular First Aid is pure protection.

Best for: Breadwinners who can’t afford days off, Freelancers with no paid sick leave, Want cash on top of an HMO, Small budget.

Pay for 10, 15 or 20 years · protected up to age 100

What is it?

Complete life and health protection made for OFWs, from staying healthy to diagnosis, treatment and recovery.

Who can apply?

Overseas Filipino workers. You need to be physically in the Philippines when you apply, so it’s best done while you’re home on vacation.

How do I pay?

A fixed amount for 10, 15 or 20 years, yearly, every 6 months, every 3 months or monthly. You can also pay in 3, 6, 9 or 12 installments a year, so payments line up with your work contract.

How does it keep me healthy?

From year 2 to year 6, you can use one of these each year, up to 5 times: an annual physical exam, a flu or pneumonia vaccine, or up to 7 teleconsultations.

What if I get sick?

It covers 114 conditions: 64 major illnesses, 34 minor ones and 16 specific cancers. You also get cash for each day in the hospital, for home recovery, for follow-up check-ups and for palliative care.

What if it’s cancer?

An extra 50% of your coverage on first diagnosis of a covered cancer, and 50% more on your hospital, recovery and palliative care benefits.

What do I get while I’m alive?

From age 65, 5% of your coverage every year for 8 years. You also get a special bonus when you finish paying, then yearly dividends (not guaranteed).

What does my family get?

Your coverage amount if you pass away before 65. After that, whatever illness benefit is left goes to your family.

Can I cover my kids too?

Yes, with a separate plan for them. A couple working in the Middle East insured their newborn for ₱1M over 15 years: the plan paid out ₱1,023,750 across his lifetime, plus bonus and dividends.

What should I watch out for?

Apply while you’re in the Philippines. The illness must be a covered condition, and pre-existing conditions may be excluded.

Best for: OFWs and seafarers, Healthcare workers abroad, Want health cover that travels with you, Want to finish paying early.

Pay for 8 years · covered for 20 years · Minimum coverage: ₱250,000

What is it?

Savings with protection. You get guaranteed cash at set times while your family is covered, so you can reach a big goal faster.

How do I pay?

For 8 years only, yearly, every 6 months or every 3 months. Monthly through auto-debit is possible after your first quarterly payment. The plan runs for 20 years.

What do I get while I’m alive?

Guaranteed cash every 2 years from the end of year 8, getting bigger each time. At year 20, a guaranteed lump sum of 102% of your coverage. You also get a special bonus after year 8, then dividends (not guaranteed).

What does my family get?

Life cover that grows every year, reaching 228% of your coverage by year 9.

In numbers

Guaranteed cash every 2 years from the end of year 8, bigger each time, plus 102% of your coverage back at year 20. Your life cover grows to 228% of your coverage from year 9.

Can I add more protection?

Yes. You can add riders for accidents and disability.

What should I watch out for?

Coverage ends when the plan matures at year 20. Stopping early may mean getting back less than you paid.

Best for: Want savings with protection, Milestones in 10 to 20 years, Want guaranteed cash, Prefer a shorter plan.

Pay for 5 or 10 years · covered for 20 years · Minimum coverage: ₱460,000

What is it?

Protection with guaranteed savings. If nothing happens, your money comes back.

How do I pay?

For 5 or 10 years. You’re covered for 20.

What does my family get?

Life cover starting from day 1.

What do I get while I’m alive?

At least 100% of your basic premiums back after 20 years, guaranteed.

Do I need a medical exam?

No.

Best for: First-time savers, Small budget, Want guaranteed savings, Do not want a medical exam.

Pay for 10 years · covered up to age 100 · Minimum coverage: ₱250,000

What is it?

A protection and savings plan that pays you a guaranteed amount every year for life, while protecting your family.

How do I pay?

In 3, 5, 10 or 15 years, yearly, every 6 months or every 3 months. Monthly through auto-debit is possible after your first quarterly payment. The prices shown here are for 10 years.

What do I get while I’m alive?

6% of your coverage every year, guaranteed, starting at the end of year 6 and continuing until age 100. You can spend it or leave it in the plan to grow.

What happens in my senior years?

A centenarian bonus of 25% of your coverage at ages 80, 85, 90 and 95. At 100, the plan matures and pays out its cash value.

What does my family get?

200% of your coverage from day 1 until age 100, minus any centenarian bonus already paid to you.

What if I need money?

You can borrow against your guaranteed cash value. If diagnosed with a terminal illness, part of your coverage can be paid early.

Real example

A 30-year-old paying 10 years for ₱1M coverage receives ₱60K a year from 36 to 100 (₱3.66M), ₱1M in centenarian bonuses, and about ₱995K cash value at 100. That’s about ₱5.65M guaranteed, plus dividends (not guaranteed).

Can I add more protection?

Yes. You can add riders for accidents, disability and illnesses on top of the basic plan.

What should I watch out for?

Commit to the full payment period. The yearly payout is fixed, so plan with inflation in mind. Dividends are extra and not guaranteed.

Best for: Education fund, Retirement income, Want guaranteed returns, Legacy for your kids.

Pay for 5 years · payouts start 12 to 17 years after you begin

What is it?

An education plan. You pay for 5 years, and it gives you a guaranteed fund for your child’s college.

How do I pay?

For 5 years only, yearly, every 6 months or every 3 months. Monthly through auto-debit is possible after your first quarterly payment.

What do I get while I’m alive?

4 yearly cash payouts, each 15% bigger than the last, adding up to 100% of your coverage. They’re guaranteed, whatever school or course your child picks.

When do the payouts start?

You choose, anywhere from 12 to 17 years after the plan starts, so they line up with when your child enters college.

What does my family get?

The parent or payor is insured for the whole plan, so your child’s education is protected even if something happens to you.

Can I add more protection?

Yes. You can add riders for accidents and disability.

What should I watch out for?

The payouts are fixed when you start, so pick a coverage amount with future tuition in mind.

Best for: Parents of young kids, Want a fixed college fund, Want to finish paying early, Prefer guaranteed over investment.

Pay once · protected for 7 years

What is it?

A short, limited-offer plan for a lump sum. You get guaranteed yearly income for 7 years and your full payment back at the end.

How do I pay?

Once.

What do I get while I’m alive?

4.5% of your payment every year for 7 years, then 100% of your payment back at year 7. For ₱500K, that’s ₱22,500 a year and ₱500K at the end: ₱657,500 in total, all guaranteed.

What does my family get?

110% of your payment if you pass away within the 7 years.

Do I need a medical exam?

Usually not. It comes with guaranteed acceptance, within the insurer’s limits.

What should I watch out for?

It’s a limited offer and only covers you for 7 years. Under guaranteed acceptance, if death is from illness in the first year, your payment is returned instead.

Best for: Have a lump sum, Want guaranteed returns, Short time frame, No medical exam.

Pay for 3, 5 or 10 years · covered up to age 100

What is it?

Health and life protection made for people in their senior years, so an illness doesn’t eat up their retirement savings.

How do I pay?

Pay in 3, 5 or 10 years, yearly, every 6 months, every 3 months or monthly.

What if they get sick?

If diagnosed with any of 17 illnesses common at an older age, like heart attack, stroke, cancer, Alzheimer’s, Parkinson’s or kidney failure, they receive cash equal to 150% of the coverage.

What about surgeries?

A one-time extra 5% of the coverage for any of 4 procedures: knee replacement, glaucoma surgery, cochlear implant or severe osteoporosis (until age 85).

What does my family get?

If no illness benefit has been paid, the family receives 150% of the coverage if they pass away, until age 100.

Anything else?

Dividends that can be taken as cash, left to grow, or used to pay premiums (not guaranteed). Plus a cash value they can borrow against, and access to a wellness program.

What should I watch out for?

The illness benefit pays once, and then the policy ends. Pre-existing conditions may be excluded.

Best for: Parents in their 50s to 70s, Children insuring their parents, Retirees protecting their savings, Want cash for age-related illnesses.

Pay for 2, 5 or 10 years · covered up to age 100

What is it?

Large life insurance designed to pass on your wealth intact.

How do I pay?

In 2, 5 or 10 years.

What does my family get?

200% of your coverage from day 1 until age 100, as cash they can receive quickly. That helps with estate taxes so they don’t have to sell assets.

Who decides how it’s paid?

You do. With the Legacy Settlement Option, you choose who receives what, when and how.

What if I can’t manage my affairs?

With the Mental Incapacity Benefit, a trusted family member can access your benefits for you.

What should I watch out for?

This plan is best set up one-on-one, since it depends on your estate and goals.

Best for: Business owners, High-net-worth families, Estate planning, Passing on wealth.