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Sun Life EasyLink Protect

No medical exam. Accepted, even with a health condition.

Just a simple application, and acceptance is guaranteed within the insurer’s limits. You get life coverage up to age 100, a fund that can grow, and bonuses for staying on track. For anyone who’s been putting off protection because of their health or the process.

Guaranteed acceptanceNo medical examCovered up to 100
Or type an amount

Estimate for the base plan at the coverage you pick (minimum ₱375,000), paying for 10 years. The price is the same at every age. Riders cost extra. Your exact premium comes with your proposal.

What you’d get

Easy to get, with bonuses for staying on track.

0
medical exams needed to apply. Just a simple application
100
age you’re covered until, while your plan stays active
Up to 25%
of your yearly payment added as a bonus when you finish paying
Year 10
loyalty bonus starts, then every 2 years (not guaranteed)

Your fund isn’t guaranteed: it moves with the market. Bonuses depend on paying on time and not withdrawing early.

Your timeline

Starting at 35, here’s how your plan works.

    Why it’s easier

    No exam, no long process. Just a simple application.

    With EasyLink Protect

    • No medical exam
    • Acceptance guaranteed within the insurer’s limits
    • Covered up to age 100
    • A fund that can grow, plus bonuses

    With most plans

    • Medical questions, and sometimes an exam
    • A health condition can mean a decline
    • Longer approval

    If you’re healthy, I’ll check a regular plan with you first, since it can give you more. If not, this is your door in.

    Sample illustration for age 30

    Mary starts at 30. Her fund keeps working.

    1. Age 30Mary applies with no medical exam and gets ₱750,000 coverage. She pays for 10 years.
    2. Age 39She finishes paying. A bonus of up to 25% of her yearly payment is added to her fund.
    3. Year 10+Loyalty bonuses come every 2 years while she stays on track.
    4. Age 65Her fund is projected to reach ₱3.37M.
    Projected fund at 65
    ₱3.37M
    Projected at 6% a year after charges. Not guaranteed: it can be higher or lower. Taking it all out at 65 ends the policy.

    Is it for you?

    Good fit, and good to know.

    A good fit if you

    • Have a health condition and were worried you can’t get covered
    • Have been putting off protection because of the process
    • Want lifetime coverage with a fund that can grow
    • Want something simple and quick to start

    Good to know

    • Available from age 18 to 70
    • 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
    • Life coverage only: no health or illness benefits
    • The fund isn’t guaranteed. If it runs low, you may need to pay beyond 10 years

    Questions

    What people usually ask.

    Do I really not need a medical exam?

    Yes. It’s a simple application, and acceptance is guaranteed within the insurer’s limits. Your form must be complete, coverage caps apply, and you can’t have been declined by the insurer in the last 3 years.

    What bonuses do I get?

    Up to 25% of your yearly payment added when you finish paying, part of your charges given back from year 10 and every 5 years after, and a loyalty bonus from year 10 and every 2 years after (not guaranteed).

    How do I pay?

    For 5 or 10 years, yearly, every 6 months, every 3 months or monthly. The estimate on this page is for 10 years. If money gets tight, you can pause payments while your fund covers the charges.

    Where does my money go?

    You choose from a range of funds, from safer to more aggressive. Professional fund managers handle the investing, and you can switch funds for free up to 4 times a year.

    Can I withdraw?

    Yes, part of your fund. Withdrawing or pausing payments may cost you your bonuses, so I’ll help you plan around it.

    How do I get my exact numbers?

    Tap “Get my free proposal” and leave your details, or message me. I’ll send your exact premium and benefits for your age, coverage and payment term.

    Next step

    Want your exact numbers? It’s free.

    Get a proposal for your age and budget. No medical exam, no obligation, and you can ask me anything along the way.

    Message me to know more

    Prefer to talk now?

    0962 385 8115 donnadel.g.nuqui@sunlife.com.ph Compare all plans

    Prices shown are estimated premiums for the base plan only, non-smoker, paying for 10 years, worked out from the premium at the minimum coverage of ₱375,000 and scaled to the coverage you pick. Riders and add-ons cost extra and are not included. Ages between benchmark points are estimated. These are estimates only and the actual premium may vary. This is a variable life insurance plan: the fund is not guaranteed and its value moves with the market. The age-30 example is a sample illustration. Bonuses and projected fund values are not guaranteed. Educational summary only, not a formal quote. Benefits, limits, issue ages and eligibility are subject to underwriting and the actual policy contract.