- Covers you with 200% of the face amount for your loved ones when you pass on
- Lifetime coverage from day 1 until age 100
Your family's financial security, today and tomorrow
SUN Smarter Life Classic is a life insurance plan that aims to protect your family’s financial future throughout your lifetime. Your family receives double the amount of your plan when you pass on. Whether you're starting out or planning for the future, this insurance helps ensure your loved ones are financially secure, no matter what happens.
Key benefits
Double protection from day one
Access to cash when you need it
- Guaranteed cash value as yearly savings
- Borrow from your policy for emergencies
- Early benefit payout for Terminal Illness (with 12 months or less to live)
Extra income opportunities
- Enjoy potential dividend earnings from your plan
- Use these earnings to pay for future premiums, get extra coverage, or grow your plan further
Payment options that fit your budget
- Pay continuously, or fully pay in just 5 or 10 years
- Choose more budget-friendly options: Pay 2x yearly, quarterly, or monthly
Extra protection for life's uncertainties
- Add optional protection for accidents, disability, or illness
Support at every life stage
- Addresses income protection, family financial security, and estate planning
- Ideal whether you’re starting out, growing your career, preparing ahead, or leaving a legacy
How it could help
Here are sample scenarios illustrating SUN Smarter Life Classic’s impact.
Sarah as a new parent
Sarah, 28 years old, just welcomed her first child and is focused on creating a secure foundation for her baby's future. To achieve this, she bought a SUN Smarter Life Classic plan with a 10-year payment term, which she only needs to pay for a decade.
The double insurance coverage gives her peace of mind, knowing that if anything happens, her daughter will have access to funds for education, and her family will not face financial struggles. Sarah is proactively building the safety net her family needs for long-term stability.
Miguel’s emergency fund
Miguel, age 45, experienced a sudden medical expense when his child needed surgery. Instead of taking a high-interest bank loan, he used his SUN Smarter Life Classic 10 plan's guaranteed cash value to secure a policy loan with much better rates.
Over time, Miguel fully repaid his loan, keeping his policy active and his loved ones protected. He solved his emergency without giving up any of his assets, which shows how essential it is to have a reliable financial backup for life’s unexpected challenges.
Ramon as a legacy builder
Ramon, age 58, owns a family business where his wife and adult children are also his business partners. He secured a SUN Smarter Life Classic 5 plan, as he is determined to leave a lasting financial legacy for his loved ones and ensure his family-business partners remain protected.
To strengthen his plan, Ramon has added supplementary benefits for increased financial security and chose affordable payment options that work with his retirement planning. He also chose to leave his plan’s dividend earnings with Sun Life to accumulate year after year, growing his family's inheritance and demonstrating his commitment to their future.
Your questions answered
1. What is SUN Smarter Life Classic?
It's a life insurance plan that provides double coverage from day 1 of your plan until you reach age 100.
2. How does the “double coverage” work?
Your insurance coverage is twice the face amount you choose for your plan. If you choose ₱1 million face amount, your family gets ₱2 million when you pass away. This double protection lasts throughout your lifetime (until age 100).
3. Can I choose how long and how often to pay?
Yes. You can pay continuously or choose a shorter payment period of 5 or 10 years.
4. What if I can only afford small amount of payments?
You may also choose to pay twice a year, quarterly, or monthly, whatever works best for your budget.
5. Can I access money in case of an emergency?
Yes. You may be able to borrow from your plan’s guaranteed cash value, giving you access to funds without having to give up any possessions or assets.
6. What are dividends and how do I use them?
Dividends are potential earnings from your plan. You may receive them in cash, use them to pay future premiums, buy more coverage, or leave them in your insurance plan to potentially grow and increase your future benefits.
7. Is this plan suitable for my life stage?
It can address different needs at every life stage like starting a career, building independence, planning ahead, or leaving a legacy. Your Sun Life advisor can help you determine if this plan is right for you.
8. Can I add extra protection to my plan?
Yes, you can add supplementary benefits or riders to enhance your coverage and protect you further against accidents, disability, and illnesses. Ask your advisor which riders suit your needs.
Note: If there is any difference between the information here and your actual insurance policy, the policy terms will prevail.
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Here are sample scenarios illustrating SUN Smarter Life Classic’s impact.