Grow your investments to give your family a brighter future

SUN Smarter Life Elite is a protection and savings plan that provides double life insurance coverage throughout your lifetime. It also gives additional cash benefits that you can use to help fund your child’s education needs.


  • Life insurance coverage

    Secure your loved ones’ future with life insurance benefit worth twice the Face Amount of your plan, providing coverage until age 100 or maturity.

    Enhance your plan with the addition of riders or supplemental benefits which can provide added protection for contingencies such as accidents, disability and illnesses.

  • Lifetime guaranteed cash benefits

    Enjoy regular guaranteed cash benefits throughout your lifetime, starting at the end of the sixth year of your plan and every two years afterwards. You may also choose to leave your cash benefits with Sun Life to accumulate and be available for future needs.

  • Living benefits

    Earn dividends from your plan which you may use to increase your insurance coverage, pay for future premiums, leave with Sun Life to accumulate, or receive in cash. In case of emergencies, money also comes in handy via a policy loan against your plan’s cash value instead of borrowing from various financial institutions or selling your prized possessions.

    A portion of your Face Amount may also be given in advance if the life insured is diagnosed to be terminally ill.

  • Manageable premium payments

    Pay your premiums regularly on an annual, semi-annual, or quarterly basis. You may also opt for a shorter guaranteed payment period of only 5 or 10 years.

    Monthly payment through Auto-Debit or Auto-Charge may also be arranged after payment of the initial quarterly premium.

NOTE: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.


SUN Smarter Life Elite is suitable for those belonging to the following life stages:

Moving Up Icon

Moving Up

Life-changing events prompt you to prioritize family above all

Preparing Ahead Icon

Preparing Ahead

Planning for retirement while maintaining good health is critical

Get a Quote:

Date of Birth:
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Quote Result*
Premium Plan
The amount you will be paying
The amount of time you will be paying for your plan
Amount of coverage you will be getting based on your premium

*The example above is for illustration purposes only, based on the variant and the amount you entered with no riders attached. The calculation does not include any taxes or other charges that may be imposed, and all data contained herein is subject to change without notice.
Please note that this information should not be construed as an offer to sell or solicitation to buy any financial product. A financial advisor can help customize a plan for you based on your financial situation.