- Covers you with 200% of your plan's Face Amount from day 1 until age 100
- Provides your family liquidity to pay estate liabilities, preserve assets, and maintain their lifestyle
- Ensures business continuity
Preserve and pass on your wealth on your terms
Sun Life Premier Legacy is designed for individuals who have built significant wealth and want to protect their legacy. This plan gives you control over how and when your assets will be passed on to the next generation, while providing the insurance protection and liquidity your estate needs.
Whether you're securing your family's future, preserving your estate, fulfilling business commitments, or supporting charitable causes, Sun Life Premier Legacy helps ensure your wealth moves forward – exactly as you envision.
Key benefits
Enjoy protection that lasts beyond a lifetime
Pass wealth on your own terms
- Enables you to distribute wealth thoughtfully based on your beneficiaries' needs and responsibilities through the plan’s comprehensive Legacy Settlement Options
- Choose when, how, and to whom your wealth is transferred
- Set up different payout options per beneficiary
Stay in control even beyond capacity
- Allows you to designate a trusted family member to access your policy benefits on your behalf through the Mental Incapacity Benefit
- Maintains plan continuity even in the event of mental incapacity, coma, or major head trauma
- Protects your family from lengthy legal processes
Be empowered in life’s critical moments
- Gives access to your insurance benefits in case of terminal illness (with 12 months or less to live)
- Get a portion of your plan’s Face Amount in advance (subject to a maximum of P2 million)
- Focus on health and family during this important time
Build long-term value while protected
- Enjoy potential dividends over time, with flexible options to choose from
- Allows you to borrow from your policy for emergencies
Experience exclusive VIP services designed around you
- Gives you priority access to plan application and underwriting assessment
- Offers private home medical exams and onsite laboratory testing with complimentary breakfast at select clinics
- Provides exclusive access to lifestyle events and legacy planning forums
How it could help
Here are sample scenarios illustrating Sun Life Premier Legacy’s impact.
Robert's business continuity plan
Robert, 58 years old, built a successful manufacturing business worth ₱80 million.
Knowing his family depends on the business for their livelihood, he secured a Sun Life Premier Legacy plan with coverage twice the worth of his business assets. From Day 1, the insurance provides ₱160 million in protection coverage, ensuring his family has immediate liquidity to cover estate taxes (₱4.8 million) without selling business and family assets.
When Robert passed unexpectedly at 65, his family received the insurance proceeds, allowing them to pay the estate taxes promptly, and keep the business running smoothly. With this, they preserved not only their inheritance but also their family business.
Elena's guided wealth transfer
Elena, age 52, wanted ₱100 million insurance benefit distributed wisely among her three adult children. With the Legacy Settlement Option of her Sun Life Premier Legacy plan, she was able to structure different payout terms for each child based on their maturity and needs.
Her eldest will receive a lump sum benefit immediately, her second child will receive a lump sum amount after 5 years, while her youngest will receive the benefit in 10 equal installments starting at age 25.
When Elena passed at age 70, the insurance was paid out exactly as she planned, ensuring each child received support at the right time without family conflict or mismanagement.
David's continuity safeguard
David, age 60, a successful investor, secured a Sun Life Premier Legacy plan with the Mental Incapacity Benefit, naming his wife as recipient.
At age 78, David was diagnosed with advanced dementia. His wife immediately accessed the accumulated dividends worth ₱18 million without court delays, using the funds for his specialized care and family expenses.
The policy remained in force, continuing to build value and protect the family's future - exactly as David intended - even when he could no longer manage it himself.
Your questions answered
1. . What is Sun Life Premier Legacy?
It’s a life insurance plan that provides coverage until age 100, designed for successful individuals to help them preserve and transfer wealth with control and flexibility.
2. How much coverage do I get?
You get 200% of the Face Amount from Day 1 of coverage until age 100, providing substantial protection and financial security for your family.
3. Can I control how my beneficiaries receive the benefit?
Yes. The Legacy Settlement Option lets you decide to whom, when and how your policy benefits will be distributed:
- Who: Your chosen beneficiaries
- When: Immediately after your passing, after several years, or when beneficiaries reach a certain age
- How: Lump sum or equal annual installments
4. What happens if I become mentally incapable of managing my plan?
The Mental Incapacity Benefit lets you designate a trusted family member to access applicable benefit if you are unable to do so due to mental incapacity, coma, or major head injury.
5. Can I choose my payment period?
You can choose to pay for 2, 5, or 10 years, with manageable payment terms of annual, semi-annual, quarterly, or monthly.
6. Can I access my money if I need it?
Yes, you can do this in two ways:
- Policy Loan – Access your plan's guaranteed cash value
- Dividends – Your policy may earn dividends, which you may receive as cash, use to pay for your plan or pay for additional coverage, or leave with Sun Life to accumulate with interest.
7. What if I get very sick?
If diagnosed with a terminal illness with a life expectancy of 12 months or less, you may take a portion of your plan's Face amount in advance (subject to a maximum of P2 million) to help cover expenses and support your family.
8. What exclusive benefits come with this plan?
As a Sun Life Premier Legacy policyholder, you are an elite member of the Sun Life Community and will enjoy exclusive VIP privileges, including:
- Priority application and underwriting
- Private home medical exams
- Onsite laboratory services with complimentary meals at select partner clinics
- Exclusive access to lifestyle events and legacy planning forums