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 his character and his life, more than any material wealth you will leave him. The higher the level of education he attains the more opportunities he will have within his reach, leading towards a more promising future.

Sun Life Financial Plans, Inc. helps you provide your child with the best education plan you can possibly give him.

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

Red Toga Series and Gold Toga Series
On top of the Education Benefit, there are three Cash Bonus options to choose from.

Red Toga 35/Gold Toga 35
Get back all your payments in two separate installments. The first half will be given at the end of the third year after your child's graduation. And in just two more years, the second half will be yours too!

Red Toga 100/Gold Toga 100
Receive all the payments you made in one lump sum at the end of the availment period.

Red Toga/Gold Toga
You may opt for just the Education Benefit without the return of the payments made.

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 which can be used for elementary, high school, college or even post-graduate studies.

Flexible Payment Terms.
We've got terms and modes of payment to suit every budget. 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.	In case of untimely death, our insurance provider, Sun Life of Canada (Philippines), Inc., ensures that all your unpaid installments will be paid. Your beneficiary who may or may not be your indicated scholar, will still receive the Education Benefit upon your plan’s maturity.
Credit Disability.	In the event that you become totally and permanently disabled during the paying period, our insurance provider, Sun Life of Canada (Philippines), Inc., ensures that all your unpaid installments will be paid. You will still receive the Education Benefit for your scholar upon your plan’s maturity.

Convenience and Adaptability.
Benefits are paid in cash directly to you as the Planholder (not to the school). You are free to choose when and what to use it for: tuition, school supplies, allowance or other miscellaneous expenses.

Transferability.
The Plan is transferable. In case something happens to the Scholar, you can grant your Plan to another child. In fact, you may purchase an Education Plan even if the child has not been born yet. You may just assign the Scholar at a later date.