All plans › Lifetime protection

SUN Smarter Life Elite

Protected for life. Paid for life.

Your family gets 2× your coverage until age 100, and you get guaranteed cash every 2 years for life, starting at year 6. No market risk. Take the cash, or leave it to grow.

2× life cover to 100Cash every 2 yearsAll guaranteed
Or type an amount

Estimate for the base plan at the coverage you pick (minimum ₱200,000), non-smoker. Riders cost extra. Your exact premium and payment term come with your proposal.

What you’d get

Protection that also pays you back.

Show for coverage of
for your family, from day 1 until age 100. Guaranteed
Every 2 yrs
guaranteed cash for life, starting at the end of year 6
5 or 10
years of paying, or pay regularly
Loan
against your guaranteed cash value, instead of going to lenders

The life cover amount scales with the coverage you choose. Your proposal shows your exact cash benefit amounts. Dividends are extra and not guaranteed.

Your timeline

Starting at 35, here’s when the cash comes in.

    Elite or Classic?

    Both protect you for life. Elite also pays you.

    Smarter Life Elite

    • 2× life cover until 100
    • Guaranteed cash every 2 years for life
    • No market risk

    Smarter Life Classic

    • 2× life cover until 100
    • Guaranteed cash value
    • See it at plans.donnanuqui.com/slc

    Gusto mo ng proteksyon for life, pero gusto mo rin may natatanggap habang buhay ka? That’s Elite.

    Is it for you?

    Good fit, and good to know.

    A good fit if you

    • Want lifetime coverage and cash while you’re alive
    • Don’t want market risk
    • Are a breadwinner planning long term
    • Are thinking about estate planning

    Good to know

    • Available from birth up to age 80
    • Dividends are extra and not guaranteed
    • Part of your coverage can be paid early if diagnosed with a terminal illness
    • Message me for a sample with your exact cash benefit amounts

    Questions

    What people usually ask.

    What is it?

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

    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. Dividends can also be taken as cash or used to pay premiums (not guaranteed).

    What does my family get?

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

    How do I pay?

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

    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.

    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 with your exact cash benefit schedule. 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, based on the minimum-coverage benchmark, worked out from the premium at the minimum coverage of ₱200,000 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. Dividends 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.