Pre-Need Plans

Sun Life Financial Plans, Inc. is a subsidiary of Sun Life of Canada (Philippines), Inc. Borne out of the group’s desire to be of greater service to the Filipino people, it answers the growing demand for flexible pre-need products.

Incorporated in 2001, SLFPI offers innovative products that provide both guaranteed and value added benefits to customers. SLFI maintains capital and trust fund positions in excess of SEC requirements and is committed to meeting all of its obligations to policyholders in the Philippines.

Pre-need plans help you plan for future needs before the needs arise and Sun Life Financial pre-need plans let your money work for you.


Beginning March 2, 2010, new business for these products will no longer be offered.

Educational plans

Red Toga and Gold Toga Education Plan Series

Everything begins with a good education. It is the most important legacy we can give our children.

The quality of education a child receives can help shape their character and life, more than any material objects you can leave them. Sun Life Financial Plans, Inc. helps you provide your child with the best education plan you can possibly give them.

With Red Toga and Gold Toga Series, you get the flexibility to finance your child’s school expenses just the way you want.

Benefits and Features

  • Increasing plan benefits
    The Education Benefit per unit is P 1,000. A 20% increase of the Education benefit is guaranteed every year to cushion the rise in tuition costs
  • Tailor-fit to your needs
    Plans are available in 4, 5 and 7 year courses
  • Flexible payment terms
    You may choose to pay only once or stretch your payment periods to 5, 7, 10, 15 or 20 years
  • Protection in times of uncertainty
    Credit Life and Credit disability are available to continue your payments in case of death or disability.
  • Convenience and Adaptability
    Benefits are paid in cash directly to you as the plan holder, making you fee to choose when and what to use it for
  • Transferability
    The plan is transferable. In case something happens to the Scholar, you can grant your Plan to another child.



Sun Classic and Sun Elite Pension Plan

Your retirement should be the most relaxing and stress-free time of your life. Plan ahead with Sun Life Financial Plans, Inc. and retire in the way you truly deserve.

Sun Classic and Sun Elite Pension provide you with the ease, flexibility and convenience to choose the scheme that best suit your needs and matches your financial requirements.

Benefits and Features

  • Affordable Plan Benefits.
    The Pension Benefit per unit is P10,000.
  • Flexible Payment Terms.
    You may choose to pay only once or stretch your paying period to 5, 7, 10, 15 and 20 years.
  • Protection in times of uncertainty
    Credit Life and Credit disability are available to continue your payments in case of death or disability.



Sun Pension Plus Plan

With Sun Pension Plus you get dividends* on top of the Pension Fund. You may choose to receive this yearly throughout your term, accumulate it at the end of your maturity period or apply it as payment for your succeeding installments.

Benefits and Features

  • Affordable Plan Benefits.
    The Pension Benefit per unit is P10,000.
  • Flexible Payment Terms.
    You may choose to pay only once or stretch your paying period to 5, 7, 10, 15 and 20 years.
  • Protection in times of uncertainty
    Credit Life and Credit disability are available to continue your payments in case of death or disability.
  • Dividends*
    On top of your retirement fund, you may also get dividends. You can choose to receive this in cash, accumulate this at interest and withdraw whenever you wish, or apply it as payment for your installments. The value of the dividends will vary depending on the Company’s performance and will be based on the prevailing rate at the specific time you choose to get them.



Sun Ka Pa Product Series

Sun Life Financial Plans dream plans

Sun Life has a series of pre-need products designed to help Filipinos realize their aspirations through a disciplined savings approach. The series features Sun Kaganapan, Sun Kabuhayan, Sun Lakbay and Sun Pensionado.

  • Sun Kaganapan
    Addresses event-funding needs for those special events in our lives.
  • Sun Kabuhayan
    This is perfect for the aspiring entrepreneur who is willing to acquire the discipline to set aside a business starter fund.
  • Sun Lakbay
    This is perfect for the would-be travelr who wants to see the world by way of a fund that is independent of their savings.
  • Sun Pensionado
    This is for those who desire to retire in style and be independent in their golden years.
Sun Kaganapan, Sun Kabuhayan, Sun Lakbay and Sun Pensionado are packaged Sun Pension Plus Plans. In case of death or disability, installments may be waived. Beneficiaries will receive maturity benefits at the maturity date. With GYRT insurance coverage computed for clients at age 40. In case of accidental death or disability, maturity benefits are advanced to your beneficiaries.



Optional Riders

In line with our commitment to provide our clients with comprehensive and flexible products and services, we bring to you the following optional riders to provide you with insurance coverage on top of the benefits you will receive.

  • Group Yearly Renewable Term (GYRT)
    Provides the planholder insurance coverage to be paid in case of death.
  • Accidental Death & Dismemberment (AD&D)
    Provides benefits to the planholder in case of death or dismemberment due to an accident. The AD&D rider may only be purchased together with the GYRT rider; it cannot be obtained alone.For information on Eligibility, Amount of Coverage and Duration of coverage for GYRT and AD&D, please contact us
  • Personal Accident Protection (PAP)
    Provides the Planholder insurance coverage to be paid in case of death due to accident. This also comes with a comprehensive Accidental Dismemberment and Disability coverage.
  • Medical Reimbursement (MR)
    Provides the Scholar insurance coverage to be paid in case of his death due to accident. This also comes with a comprehensive Accidental Dismemberment and Disability coverage for the Scholar. This is available only for Sun Life Education planholders.
  • Family Accident Protection (FAP)
    Provides Accidental Death and Dismemberment insurance which extends coverage to Planholder’s dependents such as spouse, dependent children and dependent parents. This also includes Medical Reimbursement coverage.

* Dividend rates vary based on Trust Fund investment performance, hence are not guaranteed.

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Get in touch

To learn more about Sun Life Financial Plans, Inc. you may get in touch with us through:

Telephone No.: (632) 849-9888
E-mail: sunlink@sunlife.com