Sun SmartStarter and Sun SmartStarter Plus

Individual insurance

Sun SmartStarter and Sun SmartStarter Plus are participating whole life insurance plans that provide lifetime insurance protection.

Sun SmartStarter

This is a participating whole life insurance plan that provides lifetime insurance protection and cash value, which you can borrow for future needs. It also generates policy dividends* which can be withdrawn in cash, left to accumulate, or used to increase coverage or reduce premium payments. Special premium rates are available for non-smokers^. Premiums may be payable for life or for a limited period, depending on the dividend option selected and the actual dividend income experienced. Insurance coverage is offered at a minimum of P 400,000.

Sun SmartStarter Plus

This is a participating whole life insurance plan that provides lifetime insurance protection and an endowment benefit of 6% of the face amount starting at the end of the 4th year and every 2 years thereafter, for life. The plan provides cash value, which you can borrow for future needs. It also generates policy dividends* which can be withdrawn in cash, left to accumulate, used to increase coverage or used to reduce premium payments. Special premium rates are available for non-smokers^. Premiums may be payable for life or for a limited period, depending on the dividend option selected and actual dividend income experienced. Product is offered at a minimum face amount of P 300,000.


* 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.
^ A person who has not smoked a single stick within the last 12 months is considered a 'non-smoker'.

Available riders for Sun SmartStarter (plus)

Please select an available rider from the selection menu
This benefit pays an additional amount if death is due to accident.
It pays an additional amount for death, dismemberment or total disability due to accident.
It waives premiums if the insured becomes totally and permanently disabled.
It waives premiums before attainment of age 21 by the life insured child in case of death of the initial owner.
It pays an amount when the insured is diagnosed with any of the critical conditions listed in the policy contract.
It pays an amount when the insured is diagnosed with any of the critical conditions listed in the policy contract.
It advances the face amount in 10 equal installments in the event the insured becomes totally and permanently disabled before age 60.
It pays a daily hospital income in case of hospitalization of the insured. The daily hospital income doubles in case of confinement in an intensive care unit or confinement due to dread disease.
It provides a percentage of the female benefit amount upon diagnosis of any of the female-specific illnesses listed in the policy contract.
In addition to the benefits of Female Critical Illness Benefit, it provides financial assistance upon diagnosis of any of the pregnancy-related complications listed in the policy contract or if insured delivers a child.
Term 90 - Yearly Renewable and Convertible Term Plan renews every year at the attained age premium and can be converted to a permanent plan.
Term 90 - 5 Year Renewable and Convertible Term Plan renews every 5 years at the attained age premium and can be converted to a permanent plan.
It advances 60% of the face amount, subject to the prior deduction of any outstanding advances (loans) with interest, in case the insured is diagnosed to be terminally ill with a life expectancy of 12 months or less. This is provided with no additional premium. The sum of all Living Benefit Amounts payable on all Sun Life policies of the life insured shall not exceed Ps. 2 Million. Interest is charged on advances, including the Living Benefit amount paid, at a specified rate of interest as declared by the Company.