Sun Protector and Sun Protector Plus are insurance packages that offer comprehensive protection against life's risks of dying too soon, living too long, being disabled, incurring critical illnesses or being hospitalized.

Sun Protector

An insurance package that provides lifetime protection and generates cash values and policy dividends.* It waives premiums and advances the face amount in 10 equal annual payments in case of total and permanent disability of the insured. In case of hospitalization of the insured, it pays a daily hospital income. The daily hospital income doubles if the insured is confined in an intensive care unit or if the confinement is due to dread disease. It also pays an additional amount if the insured is diagnosed, while living, of a critical condition listed in the policy contract. In case of death by accident, it pays an additional amount. And if the insured is diagnosed to be terminally ill with a life expectancy of 12 months or less, it advances 60% of the face amount.

Sun Protector Plus

In addition to the benefits provided by Sun Protector, Sun Protector Plus provides payment of anticipated endowment benefit starting at the end of the 4th year and every two years thereafter for life.

*	Availability of dividends are dependent on the scale of dividends and rates of dividend accumulations which are likely to change during the policy's lifetime.