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PLANNING, PREPARING AND INVESTING FOR THE FUTURE • Provider of diverse range of wealth accumulation and protection products and services to individuals and corporate customers.
• Chartered in 1865 in Canada .
• Ranked No. 333 on the Fortune Global Listing 2006.
• Listing on Toronto , New York and Philippine Stock Exchange. Company Background: • Over 141 years old
• C$436 billion assets under management
• Wealth accumulation
• Risk protection
• Global operations
• Owns the oldest mutual fund company (Massachusetts Financial Services (MFS) Sun Life of Canada ( Philippines ), Inc.: • 112 years old
• First & oldest insurance company in the Philippines
• Over Php 70 Billion assets
• Risk Protection
• Wealth Accumulation
• Nationwide operations
• 400,000 policyholders Operates in following countries worldwide: Canada Japan
United States Indonesia
United Kingdom India
Hong Kong China
Philippines Bermuda
Ireland Mexico
Singapore Chile PLANNING, PREPARING AND INVESTING FOR THE FUTURE: • What are the main reasons why we save and invest money for the future?
• How much money do you need to achieve these goals?
• Is your family financially prepared in case you are taken out of the picture?
The Solution: Variable Universal Life Product What is a VUL product? • An insurance or contract with benefits related to the performance of funds.
• The units are backed by specific assets like shares, bonds, property and unit trusts.
• The performance of the units is directly linked to the performance of the assets
• Guaranteed Face Amount.
• Cash surrender and maturity values are not guaranteed.
• Insurers collect charges from unit fund to cover for related operating expenses. The Living Benefit : (Living Too Long) The living benefit is equal to the fund value, which is partially or fully withdrawable from the policy's share in the separate account(s) Death Benefit : (Dying Soon) For Single Pay Plan, Level Death Benefit – which is the higher of the (a) Face Amount plus 125% of all Excess Premiums, if any, less 125% of each partial withdrawal and (b) the policy's Fund Value Advantages of Investing in VUL: 1. One-Stop Comprehensive Product - it combines both insurance and investment into one solution to ensure that the customer's wide range of needs is met.
2. Flexibility - make additional investments anytime , choose when and how much to pay your premiums, withdraw (partial or full) from your fund value in case of emergency, or as the need arises, increase , decrease, skip or stop paying premiums altogether, supplement your plan with additional benefits (riders).
3. Potentially Higher Returns – managed as a single portfolio, it is able to take advantage of certain economies of scale.
4. Diversification – funds are invested in wide array of securities.
5. Professional Fund Managers – The fund is managed by top-notch investment professionals who focus solely on maximizing your returns over the long term. You have Sun Life Financial's investment experience, commitment and research capabilities working for you.
6. Liquidity – fund withdrawal ( including returns ) may be partial or in full amount.
7. Reputation and Track Record • 112 Years in the Philippines
• Adept at managing long-term funds
• Limited to investment grade securities
• Loans are adequately collateralized
è Zero NPLs. (non-performing loans) 8. Added Investing Power and Strength • Over P2.3 Billion in Assets in only 2 years VUL
• Close to P70 Billion in consolidated assets (MF/VUL/Premiums). 9. Flexibility (Interfund Transferability) • ability to vary your investment mix for greater growth (for Sun FlexiLink). 10. Wide Choice of Funds • Bond Funds
• Balanced Funds
• Equity Fund
• Money Market Fund
• Dollar Bond Fund Balanced Fund: Investment Objective: • Provide total returns consisting of current income and capital growth . Investment Policy: • Invest in a mix of high-quality debt and equity securities mainly of Philippine entities
• May invest in non-Philippine investment grade issues Historical Returns
Full Year Returns SUNLIFE | 2005 | 2006 | 2007 | 2years Return | Return Since Inception | Bond | 11.9% | 15.8% | 4.7% | 21.7% | 35.8% | Balanced | 8.5% | 47.2% | 18.7% | 74.7% | 90.5% | Equity | 13.4% | 48.7% | 18.8% | 76.7% | 106.2% | Dollar | 7.8% | 12.5% | 5.0% | 18.3% | 27.9% | NOTE: All returns cover period from Funds inception date to December 31, 2007. VUL Funds 3-year Compounded Annual Returns 
Net returns are after tax and management fees Contact Details: Mr. Vicente B. Petinglay Jr. and Mrs. Emilie O. Petinglay, Unit Manager
Contact Nos. 0917-3050038 and 0917-3050085 - Office Tel. (036) 540-7686
Antique Extension Office, Centillion House, San Jose , Antique Company website: www.sunlife.com.ph
email address:
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