Supplementary benefits

Clients can choose from a variety of supplementary benefits or riders to enhance their insurance coverage.

ADB Rider provides additional benefit in case of insured’s untimely demise due to accident.

ADDD Rider provides additional benefit in case of insured’s untimely demise, dismemberment or total disability due to accident.

TDB Rider waives the regular premiums due during total disability of the insured.

WPD Rider waives regular premiums in case of untimely demise of the initial policy owner..

WDD Rider waives regular premiums during total disability of the initial policy owner before age 60, or in case of his untimely demise.

CIB Rider provides lump sum cash benefit in case the insured is diagnosed with any of the 36 covered critical illnesses.

HIB Rider provides a fixed amount of daily cash benefit in case of the insured’s hospitalization. This daily cash benefit doubles if the insured is confined in an Intensive Care Unit (ICU) or if the hospital confinement is due to any of the specified dreaded diseases such as acute heart attack, stroke and invasive cancer, among many others.

FCI Rider provides lump sum cash benefit in case the insured is diagnosed with any of the covered female-specific critical illness conditions or has undergone any of the specified surgeries

FCM Rider provides lump sum cash benefit in case the insured is diagnosed with any of the covered female-specific critical illness conditions, has underdone the specified surgeries, is diagnosed with any pregnancy complications, or delivers a child.

CBTD Rider provides annual cash benefit during total disability of the insured.

LBR Rider allows the insured to advance a portion of the Face Amount, less any outstanding advances (loans) with interest, if the life insured is diagnosed to be terminally ill with a life expectancy of 12 months or less. This is provided with no additional premium required.

Safer Life Rider is a 5-year renewable and convertible term life insurance that is available to policyholders of SUN Smarter Life Classic and Elite. It helps boost your basic plan’s insurance coverage but not paying as much.