- Coverage lasting until age 100
- Death benefit of at least 5x your annual premium for your family
- Flexible options to customize your protection
Combined benefit of protection and investments in one simple, easy-to-apply plan
Sun Life EasyLink Protect is an investment-linked insurance plan that provides protection coverage up to age 100. With hassle-free application and no medical exam required, it offers you seamless protection and an opportunity to grow your savings through investment fund options that match your goals and risk appetite. And as you stay committed to your plan, you also get rewarded with bonuses!
Key benefits
Lifetime protection
Guaranteed acceptance in application
- Easy and seamless application process
- No medical exam required
Future wealth potential
- Choose from over 30 local and global expertly managed investment fund options
- Enjoy growth opportunity over the long term
- Diversify and avail of up to 4 times free fund switches or allocation per year
Rewards for staying committed in achieving goals
- Premium Bonus: Receive up to 25% of your annual premium after your final payment
- Premium Bonus Booster: Get back a total of up to 145% of the premium charges starting at the end of your plan’s 10th anniversary released every 5 years
- Loyalty Bonus: Get extra bonus every 2 years, starting at the end of year 10
Note: Loyalty Bonus is not guaranteed
Access to funds when you need it most
- Withdraw a portion of your funds in case of emergencies
- Use some of your funds as support in achieving goals (e.g. home or business improvements, passion projects, education or retirement, etc.)
Flexible payment options
- Pay for at least 5 or 10 years
- Flexible payment terms: yearly, twice a year, quarterly, or monthly
- Adjustable payment options as your needs change
How it could help
Here are sample scenarios illustrating Sun Life EasyLink Protect’s impact.
Anne, 30 – young professional building her dream
Anne works full-time and wants to protect her family while saving for something big. She chose Sun Life EasyLink Protect with a 10-year payment plan at Php 4,500/month. Since acceptance is guaranteed, she can apply with no medical exam needed, making it easier to get started.
A portion of her Sun Life EasyLink Protect payments are invested into the Peso Global Opportunity Fund, which helps her money grow over time. At certain years, her plan earns bonuses just for keeping payments on track and her plan active.
By age 65, Anne has earned over Php 3.3 million, enough to start the business she's always dreamed about. Throughout those 35 years, her family was protected with life insurance. Her plan grew with her, turning monthly payments into a powerful financial tool.
Carlos, 40 – entrepreneur balancing family and retirement planning
Carlos built his business to provide for his family. He wants to be ready for retirement in the future but also worries about what would happen to his loved ones when he’s no longer around. With Sun Life EasyLink Protect, both are covered.
As an entrepreneur who always has work demands to attend to, Carlos values that the application is simpler because the plan guarantees acceptance and does not require a medical exam.
Carlos pays just ₱6,500 a month for five years for life insurance coverage up to age 100. At the same time, he’s building funds that can help support his retirement plan through partial withdrawals starting at age 65. Bonuses may also boost his fund value. Should he pass away, his family would receive a ₱500,000 death benefit plus the fund value—ensuring the future he envisioned is protected.
Patricia, 53 – empty nester planning for health needs
Patricia's kids are grown, and she's thinking about her own future. She wants insurance that protects her while building funds for health expenses. She picked Sun Life EasyLink Protect with allocation to the Balanced Fund that matches her risk profile and goal. At her age, Patricia finds comfort in knowing that she can still get covered without a medical exam, since the plan guarantees acceptance.
She appreciates that she can switch funds free of charge four times a year if market conditions change. Patricia also earns Loyalty and Premium Bonuses, and Premium Bonus Booster benefit at certain years without doing anything extra—just keeping her policy active.
By retirement, she will have substantial funds to help cover healthcare costs while maintaining lifetime insurance coverage. She's securing her tomorrow on her own terms.
Your questions answered
1. What is Sun Life EasyLink Protect?
It's an investment-linked life insurance plan that offers you an easy and seamless way to apply for insurance with no medical exam. It also provides the combined benefit of lifetime insurance protection and investment growth over time. You pay premiums for five or 10 years, but your coverage continues for life (up to age 100). Part of your premiums are also invested in fund options you choose, and you earn special bonuses along the way.
2. What does fund value mean?
Fund value refers to the savings or funds you have built through the investment component of your plan. As it grows over time, it can help support emergencies or important goals like home or business improvements, passion project, education/retirement planning, or other financial goals.
3. How much life insurance coverage do I get?
Your initial life insurance coverage is at least 5 times your yearly premium. As your fund value grows, your death benefit (at least 5 times the yearly premium or 105% of the fund value, whichever is higher) may also increase. Coverage is guaranteed until age 100, as long as your policy remains active. However, if your policy is issued under the Guaranteed Insurability Offer and you, the insured, passes away within the first 2 years of the policy, you will receive back the fund value plus charges. Should you pass away due to accident, full death benefits will be paid.
4. What if I can't pay my premium for a while?
You may temporarily stop paying by taking a premium holiday for your plan. Your coverage will continue as long as your fund has enough fund value to cover policy fees/charges. Once you're ready, you can resume your premium payments anytime.
5. What if I need to use some of my policy’s funds?
You can withdraw from your fund value for emergencies or any urgent need. Your coverage continues as long as your fund has enough value to cover policy charges. Keep in mind, however, that withdrawals may affect your special bonuses.
6. How often can I change my investment funds?
You can switch funds for free up to four times per year, so you can adjust your allocations based on market changes or your changing goal. If you want to make more switches afterwards, you may do so for a minimal fee of Php 750.
7. What are the special bonuses, and how do I earn them?
There are three bonuses: Premium Bonus, which provides up to 25% of your annual premium after your final policy payment; Premium Bonus Booster, where you get back a total of up to 145% of the premium charges starting at the end of your plan’s 10th anniversary released every 5 years. Loyalty Bonus, which gives you an additional bonus every two years, starting at the end of 10th policy year, based on your fund value; You earn these bonuses by keeping your payments on track.
Note: Loyalty Bonus is not guaranteed.
8. What are policy charges?
Policy charges are fees that help cover the cost of your life insurance protection and the administration of your plan These include costs for your insurance coverage, policy administration, and investment fund management. The charges are deducted automatically from your fund value, so you don't need to pay them separately.
9. What happens if I stop paying after the payment period ends?
Your coverage continues as long as your policy has enough funds to cover policy charges.
10. What funds can I invest in?
You have access to over 30 investment funds tailored to your needs:
⦁ By risk level
- Conservative funds (lower risk, lower potential returns)
- Balanced funds (mixed approach)
- Aggressive funds (higher risk, higher potential returns)
⦁ By investment scope
- Local funds
- Global funds
⦁ By strategy
- Target-date funds (automatically adjust risk as you near retirement)
Choose funds based on your timeline and comfort level with market volatility.
11. How often do I need to pay?
You can choose to pay yearly for at least 5 or 10 years, or avail of lighter payment options like twice a year, quarterly, or monthly.
Note: If there is any difference between the information here and your actual insurance policy, the policy terms will prevail.