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. On top of this, it also enables you to receive guaranteed cash benefits that you can use to help fund your child’s education needs.

Benefits of SUN Smarter Life Elite:

  • Life insurance coverage

    Make a smart move and ensure your family’s future no matter what happens. This product provides life insurance coverage equal to double the Face Amount from Day 1 until you reach 100.

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

  • Lifetime guaranteed cash benefits

    Enjoy guaranteed cash benefits for life starting at the end of the sixth year and every two years onwards. You may also choose to leave your cash benefits to accumulate and be available for future needs.

  • Living benefits

    Use your policy as an alternative source of funds in case of emergencies or immediate need for cash. Instead of borrowing from various financial institutions or giving up your priced possessions in exchange for money, you may use your guaranteed cash value and avail a policy loan. A portion of your coverage may also be given in case of a terminal illness.

    What’s more, the non-guaranteed dividends which your policy may earn can be availed as a cash benefit that can be used to pay future premiums or purchase additional coverage. Dividends can also be left to accumulate.

  • Flexible premium payments

    Make payment more convenient depending on your goals. Pay regularly or you can opt for a shorter guaranteed payment period of 5 or 10 years only.

    You may choose to pay your premiums annually, semi-annually or quarterly. 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

Prioritizing family above all

Preparing Ahead Icon

Preparing Ahead

Nurturing my health and wealth