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.

With these features, you will be assured of a higher sense of security and protection not just for yourself but for your loved ones as well.

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.

Eligibility for GYRT and AD&D

You can apply for both optional riders at the time you file for an Education or Pension plan. Those who do not file an application for the optional riders right away may do so within 90 days from the effective date of their Education or Pension Plan.

Eligibility age is from 18 to 65.

Amount of Coverage

Choose from two options. The amount of coverage may be:

1. equal to Gross Contract Price of the Plan
2. equal to Maturity Value of the Plan
   
   • For the Sun Life Education Plans, the Maturity Value refers to the total education benefits and the return on Gross Contract Price (GCP), if any.

There is no maximum coverage amount for GYRT, while there is a maximum coverage amount for AD&D of PhP 6 million.*

Duration of Coverage

Planholders can choose from two options. The coverage may be either:

1. until the end of the paying period or
2. until the end of the maturity period or until planholder reaches termination age, whichever comes first
• termination age for AD&D coverage is 66 years old
• termination age for GYRT coverage is 70 years old

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.

Scholar Accident Protection (SAP)

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.

Medical Reimbursement (MR)

Reimburses medical expenses incurred by the Planholder or Scholar for the treatment of bodily injuries caused by accidents within 30 days from the date of occurrence. Actual expenses incurred for no more than 52 weeks after injury will also be reimbursed. This is a supplementary benefit of PAP and SAP.

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.

* Maximum coverage may change without prior notice.
  Please call 849-9888 for verification.