Life Insurance

---

_VISION_ to be the most innovative league in partnership with sun life financial, home of passionate achievers of Macaulay, MDRT, and Leader’s Conference; leaders in refining financial education; fuelled with Faith and united with one goal in Christ Jesus

_Mission_ To develop innovative leaders & highly influential advisors, advocating financial freedom.

i can do all things through Christ who strengthens me. Philippians 4:13

welcome to

SUNSTONE

2015

WE SHINE FOR YOU

1

SONstone ART

TVM Time Value of Money

1

2

2016 Infographics

45% WILL

VALUE% VS WORTH

20%

Savings

SAVINGS Given Value

3

15%

Invest

20% Info

SONstone

Investment

ART

Time Value of Money

Annual

10th year

₱ 120,000

₱ 1,200,000

AGE STARTED

39m

VUL 10% - 10th yr

65

20

₱ 1,500,000

₱ 41,000,000

21

₱ 1,500,000

₱ 39,000,000

25

₱ 1,500,000

₱ 25,000,000

30

₱ 1,488,000

₱ 15,000,000

41m

25m 15m

30y

25y

Life Insurance

21y

20y

__y

Annual

10th year

₱ 30,000

₱ 300,000

% 1b

% %

2017 2027 2047 Average savings

10% AGE 0 (7 days old)

VUL 10% - 10th yr

65

₱ 385,000

₱ 75,000,000

Recommended savings

20%

100m

10m

1m

100k

SONstone

Investment

ART

ALUE * vs *

V

WORTH

Annual

10th year

₱ 120,000

₱ 1,200,000

Variable Universal Life

10% /yr

Mutual Funds

₱ 1,500,000

Fund Value

₱ 2,103,740

₱ 4 ,000,000

vs

₱ 603,740

₱ 30,000

10% /yr

₱ 385,000

Fund Value

₱ 1 ,000,000

vs

Fully renovated

%

%

100k 102k 98k 2008

8.3%

2009

4.1%

2010

3.9%

2011

4.6%

2012

3.2%

₱ 525,935

2013

2.95%

₱ 140,935

2014

4.1%

Partly renovated

2015

1.5%

th

year

₱ 300,000

Variable Universal Life

%

inflation rate

Car

10

Valued offer real 2% Worth invest -4%

year

House

Annual

Life Insurance

Mutual Funds

10 yrs

Investment vs

SAVINGS

SAVINGS

given

Value

VUL Funds

Started Investing age:

2020 e n o t s N O S

ART

₱

4m

₱

120k

Life SAVINGS Insurance

45 yrs

2065

savings

2053 ₱

2030

savings

4m ₱

4m ₱

life insurance

₱5.4m

SAVINGS

2030

₱

2021

invested

₱1.2m

10 k /mo.

₱120k /yr

₱41m

₱1.5m

20 yrs old,

amount:

VUL Funds SAVINGS

1.2m

4m

Life SAVINGS Insurance

Life SAVINGS Insurance

Life Insurance = SAVINGS

Investment

SONstone ART

Life Insurance

7

8

DREAMS (Tangible) ▪ House ▪ Car ▪ Travel ▪ Anti-aging

OBSTACLES

(not tangible) ▪ Planned retirement (LOI) ▪ Love ▪ Trust ▪ Importance / worth ▪ Significance / value

Goal / Target Critical Health

Inflation

No plans/savings rollercoaster

20

pla

e nn

d

st e v in

n e m

t

Estate Tax / Donors Tax

Estate Tax

Ready?

Prepared?

Enough?

Wants vs. importance

Die too early?

Live too long?

30

50

65

75

▪ Inflation Economical/personal ▪ Lifestyle Wants vs. importance ▪ Health Personal & loved ones ▪ Life Die too young / live too early ▪ Death Burden / Legacy ▪ TAX Estate Tax / Donors Tax

Secure with Sunlife ▪

Life - Life Insurance

▪

Wealth - Mutual funds

▪

Health – critical illness 36 critical illnesses

LIFE ▪ I.C You

MONEY ▪ Active ▪ Active vs. Passive ▪ Passive

Money Invest worth 2% 100k 102k

Real Value -4% 98k

BANK VS. VUL 1% VS. probably 3-13%

Investment

SONstone ART

Life Insurance

VUL Historical Funds

★ 1 (one) free withdrawal every year (yearly). In excess of which is 1% charge. ★ 4 (four) free fund switching every year (yearly). In excess of which is 1% charge. ★ Loyalty Bonus equivalent to 2% of the average monthly fund balance of the preceding 5 years. Crediting of Loyalty Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed) ★ Note: if the fund value is equivalent to zero (0), then the policy will be given 30 days Grace Period to accomplish the funds requested by the company. Failure to complete the funds required, will result to a lapse policy, voiding the life insurance in-forced. However, a reinstatement is still possible at a premium, the amount is to be computed by the company on the time of writing / request. ★ Note: On VUL Regular investment, the premium invested will initially be allocated for the life insurance premium, once fully paid, then, it will be invested as excess premium. ★ Note: Valuation is Mark to Market and _not_ Compounded Interest.

Visual Comparison Helps our mind see the big picture, and differentiate figures for the given period. To appreciate what was once feared,complexity that turns into clarity, an image of meaning, now proven more than just a feeling. -mark.at

SONstone

Investment

Life Insurance

ART

Mutual funds: SLAMCI ₱ 5,000 Minimum Subsequent investment of ₱ 1,000 Minimum Initial investment of

Option B

Option A

FRONT - End LOAD

BACK - End LOAD

(Peso funds)

(Peso & dollar funds)

₱

5M Mutual Funds

Privileges

10% waived back-end redemption INVESTMENT

Sales Load Rate (plus 12% VAT)

< ₱100,000

2.00% (2.24%)

1.Individual

1.50% (1.68%)

3.in-Trust for

₱100,000 < ₱1.0M

Account Options:

2.Joint Account

₱1.0M < 5.0M

1.00% (1.120%) 0.50% (0.56%)

Initial Charges are deducted upon investment, from which charges varies from the invested amount & no charges on withdrawal.

Subscription of less than ₱ 5.0M or less than $100k

1st year

5% (5.6%)

2nd year

4% (4.48%)

3rd year

3% (3.36%)

4th year

2% (2.24%)

5th year

1% (1.12%)

6th year

NONE

4.corporation 5. cooperative

₱5.0M < ₱20M

Redemption Period

a once a year privilege. only applicable to clients with ₱5M worth of BE investments at the time of redemption. client may redeem up to 10% of total shares as of December 31 of previous year. Not automatic, must be applied and indicated in order ticket, and subject to approval.

NO Initial Charges are deducted upon investment & an equivalent amount of percentage is deducted depending on the redemption period.

SONstone

Investment

Life Insurance

ART when we fail to PLAN, then we are planning to FAIL

Estate Tax Table
 BUT NOT OVER

P ---

P 200,000

EXEMPT

EXEMPT

EXEMPT

200,000

500,000

---

5%

200,000

500,000

2,000,000

15,000

8%

500,000

2,000,000

5,000,000

135,000

11%

2,000,000

5,000,000

10,000,000

465,000

15%

5,000,000

10,000,000

AND OVER

1,215,000

20%

10,000,000

Life Insurance is a money for someone someday, because someone cared Today. proverbs 20:21 An inheritance quickly gained will not be blessed in the end

proverbs 21:5 the PLANS of the diligent leads to profit, as surely as haste leads to poverty

PSALM 90:12 teach us to number our days that we may gain a heart of wisdom.

TAX SHALL BE

PLUS

OF THE EXCESS OVER

OVER

Donors Tax Table
 BUT NOT OVER

P ---

P 100,000

EXEMPT

%

EXEMPT

100,000

200,000

---

2%

100,000

200,000

500,000

2,000

4%

200,000

500,000

1,000,000

14,000

6%

500,000

1,000,000

3,000,000

44,000

8%

1,000,000

3,000,000

5,000,000

204,000

10%

3,000,000

5,000,000

10,000,000

404,000

12%

5,000,000

1,004,000

15%

10,000,000

10,000,000

TAX SHALL BE

PLUS

OF THE EXCESS OVER

OVER

SONstone

Investment

Life Insurance

ART

Annual college TUITION FEES SCHOOL

(Metro Manila)

2008** (Source)

2014

(Base Year)

2019

(in 5 years)

2024

(in 10 years)

2029

(in 15 years)

2034

(in 20 years)

University of Asia and the Pacific PHP124,800

PHP249,651

PHP444,902

PHP792,859

PHP1,412,954

PHP2,518,023

De La Salle University

PHP110,448

PHP220,941

PHP393,738

PHP701,681

PHP1,250,464

PHP2,228,450

Ateneo de Manila University

PHP90,613

PHP181,263

PHP323,028

PHP575,668

PHP1,025,897

PHP1,828,250

Assumption College

PHP84,315

PHP168,664

PHP300,576

PHP535,657

PHP954,593

PHP1,701,179

Mapua Institute of Technology

PHP84,000

PHP168,034

PHP299,453

PHP533,655

PHP951,027

PHP1,694,823

St. Scholastica's College

PHP75,072

PHP150,174

PHP267,626

PHP476,935

PHP849,946

PHP1,514,688

San Beda College

PHP64,152

PHP114,325

PHP203,739

PHP363,083

PHP647,049

PHP1,153,105

Miriam College

PHP62,412

PHP111,224

PHP198,213

PHP353,235

PHP629,499

PHP1,121,829

Philippine Women's University

PHP59,616

PHP106,242

PHP189,333

PHP337,410

PHP601,298

PHP1,071,573

Colegio de San Juan de Letran

PHP50,440

PHP100,900

PHP179,815

PHP320,447

PHP571,069

PHP1,017,701

Far Eastern University

PHP55,000

PHP98,015

PHP174,673

PHP311,285

PHP554,740

PHP988,602

University of the East

PHP47,840

PHP95,699

PHP170,546

PHP303,929

PHP541,632

PHP965,242

University of Sto. Tomas

PHP45,062

PHP90,142

PHP160,642

PHP286,281

PHP510,180

PHP909,192

St. Paul College (Quezon City)

PHP44,256

PHP88,530

PHP157,769

PHP281,160

PHP501,055

PHP892,930

University of the Philippines

PHP36,000

PHP72,015

PHP128,337

PHP228,709

PHP407,583

PHP726,353

**Rates were increased by 12.25~ annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.

Investment

SONstone ART

Life Insurance

**Rates were increased by 12.25~ annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.

Investment

SONstone ART

Life Insurance

151 yrs, est. 1865

121yrs. est, 1895

Investment Insurance Company

SONstone ART

Established

1895

Years of Existence

121

1907

109

1910

106

1914-1919

Insurance Company

Life Insurance

Established

Years of Existence

1962

54

1963

53

1979

37

1996

20

1999

17

SLF PSEi 2000

16

2011

5

1939 1939-1945 1946

70

1947

69

1954

62

1954

62

17

Investment

Life Insurance

SONstone ART

40

TOTAL Premiums in Billions Year 2015

32.8

AXA Life Manulife Sun Life Financial PhilamLife Pru Life UK

30

29.7

30.7

22.82

20.5

20

13.513.8

13.6

9.8

10

19.9

19.81

18.2 18 18.3118.34

16.816.3

13.1

21.17

10.8

9.5

11.2

10.6

5.3

8.3

3.5

3.4 3.1

0 2007

2008

4.4

3.9

2009

2010

3.5 3.1

15

15.45

13.35

12.27

13.92

9.9 9.98

7.48

7.3

5.1

15.2915.59

4.9

2011

2012

2013

2014

2015

Investment

SONstone ART

Life Insurance

ADVANTAGES of Sun Life LIFE INSURANCE COMPANIES Listed in PSEi

Pure Mutual Funds

VUL

Mutual Funds Companies TAX if not Listed 5% CG & 10% excess of 100k

with Asset Management Company

Protection + Investment + Savings =

Publicly Listed Companies

Amongst top 10 performing companies

Variable Unit Link

Investment

Life Insurance

SONstone ART

SCENARIO 1

100,000.00

Jan.10’06

110,000.00

1.12

111,476.88

Jan.10’07

121,000.00

1.62

161,561.41

Jan.10’08

133,100.00

1.84

183,112.88

SCENARIO 2

PHP161,561 PHP148,203 PHP133,100 PHP121,000

VARIABLE Fund Value

Jan.10’05

100,000.00

100,000.00

100,000.00

1.01

99,453.01

100,000.00

Jan.10’06

110,000.00

1.12

111,476.88

Jan.10’07

121,000.00

1.62

161,561.41

Jan.10’08

133,100.00

1.84

148,203.30

PHP110,000 PHP111,476

BEAR 08

UNITS

6,

NAVPU

l.1

Principal Amt

Ju

Current Value

8

Principal Amt

'0

DATE

10

GUARANTEED

PHP183,112

n.

99,453.01

BULL

Ja

1.01

Fund Value

7

100,000.00

UNITS

'0

100,000.00

NAVPU

10

100,000.00

Principal Amt

n.

Current Value

Ja

Jan.10’05

Principal Amt

JaPHP100,000.00 n. 10 '0 6

DATE

VARIABLE

PHP145,000.00

GUARANTEED

PHP190,000.00

MARK to MARKET

Investment

Life Insurance

SONstone ART

100,000.00

99,453.01

Jan.10’06

110,000.00

1.12

111,476.88

Jan.10’07

121,000.00

1.62

161,561.41

Jan.10’08

133,100.00

1.84

183,112.88

JUL.16’08

133,100.00

1.84

148,203.30

MONEY MARKET Jan.10’08

183,112.88

Jan.17’08

1.01

180,762.96 183,112.88

1.01

183,203.26

BALANCED FUND Jan.17’08 JUL.16’08

183,206.26

1.78 1.49

102,767.3

183,203.26 153,431.57

PHP161,561 PHP161,561

PHP153,431

PHP148,203

BEAR

PHP111,476 PHP111,476 08

1.01

6,

100,000.00

l.1

100,000.00

Ju

100,000.00

8

Jan.10’05

BULL

'0

Fund Value

10

NAVPU UNITS

n.

Principal Amt

Ja

Current Value

7

Principal Amt

'0

DATE

PHP183,112 PHP183,112

10

VARIABLE

n.

GUARANTEED

Ja

FUND SWITCHING ILLUSTRATION

JaPHP100,000.00 PHP122,500.00 PHP145,000.00 PHP167,500.00 PHP190,000.00 n. 10 '0 6

MARK to MARKET

Life Insurance

SONstone

Paramedics

ART

Non - Medical Limits increased

NMA Limits for basic life age of insured

Death Benefit

Death Benefit

(phil peso)

(US Dollar)

7days to 35

4.5 Million

$90,000

36 to 40

2.5 Million

$50,000

41 to 45

1 Million

$20,000

46 to 50

500,000

$10,000

age of insured

special tests urinalysis + cotinine

up to 19

5M

20 to 35

(cotinine only)

36 to 40 41 to 50 51 to 60 61 to 69 70 & over

5M 3M 2M 1M 500,000

up to ₱ 5M

$100,000

up to 5M

none

5,000,001 to 10M or $100,001 to $200k

Agent confidential report (ACR)

10,000,001 to 25,000,000 or $200,001 to 500,000

Financial Questionaire completed & signed by the applicant

over 25,000,000 or over $500,000

1.) Financial Questionaire

-

-

-

-

-

-

-

5M 10,000,001 10M 3M 10,000,001 5M 2M 5,000,001 2M 1M 3,000,001 1M 500,000 500,000 500,000

completed & signed by the applicant

(PHP or Dollar)

see full details https://goo.gl/AYgtBZ

5M 5M 5M Validity of Financial REQ’ts

cholesterol

SGPT

HBsAG

creatinine

Anti-HCV Alk. phosphate

sunlife 13 (SL13)

SL12 + PSA

Application form

special tests

financial req’ts

submit within 30days from signing

valid 1 year

valid for 1 year, unless there are changes

triglycerides

Reflex Tests

ages 70 & over

HBA1c if FBS is elevated HbeAg; anti-HBe if HbsAg is + HDL is chol or trigs is elevated

SL12 or SL13 + CBC

2.) cover letter completed by the advisor to justify total insurance need

UP to ₱20M

-

GGTP

Glucose

special/mobile

Tread mill

HIV

ALBUMIN

₱5M & below

ECG

blood tests

SGOT

regular/mobile

x-ray

sunlife 12 (SL12)

FINANCIAL req’ts

Death Benefit

blood tests

_WPD / WPDD_ up to Age 50

type

3.) proof of ownership of properties and business shares / proof of annual income

Medical Exam

valid for (6) mos if taken previously issued standard policy

valid for (3) mos. if for current application

valid for (3) mos. if taken from a previously rated, declined or postponed or NPW’ed case

4.) audited financial statements within the las two (2) years

5.) inspection Report

for TENURED, Required completion of courses:

-

Life Insurance

SONstone

- Underwriting &Ethics - START training Course - Underwriting Essentials - _SUNNY LEVEL-UP_

Paramedics

ART LEVEL UP

Non - Medical Limits

NMA Limits for basic life

NMA Limits for CIB & FMB

type

Death Benefit

regular/mobile

₱10M & below

special/mobile

unlimited

(PHP or Dollar)

~ Special test will be required if the sum of the policies

issued within the past 2 years.

age of insured

WPD/ WPDD

7days to 35

18 to 35

Death Benefit

Death Benefit

(phil peso)

(US Dollar)

10 Million

$200,000

age of proposed insured

CI & FMB amt

up to 35

5 Million

36 to 40

3 Million

7 Million

$140,000

41 to 55

5 Million

$100,000

56 to 60

3 Million

$60,000

41 to 50

1 Million

61 to 65

1 Million

$20,000

51 to 60

500,000

special tests

age of insured

urinalysis

cotinine*

blood tests

ECG

Tread mill

x-ray

up to 19 20 to 35 36 to 40 41 to 50 51 to 60 61 to 69 70 & over

-

-

-

-

-

-

10,000,001 10 M

10,000,001 10 M

10 M

20 M

-

25 M

up to

5,000,001

5,000,001

5,000,001 5,000,001

-

25 M

10M

5,000,001

5,000,001

5,000,001 5,000,001

10 M

25 M

2M

2M

2M

2M

5M

25 M

1M

1M

1M

1M

5M

25 M

non e

FOR Critical illness & FMB Riders up to 19

-

-

-

-

-

-

20 to 35

5,000,001

5,000,001

-

-

-

-

36 to 40 41 to 50

3,000,001

3,000,001

5M

-

-

-

3M 2M

3M 2M

3M 2M

3M 2M

5M 5M

823M

51 to 60

~ PSA required for male 55 & over for death benefits of ₱ 50 Million and over

(Phil Peso)

36 to 40

increased

~ Cotinine test is required only for applicants applying for nonsmoker rate.

Maximum CI limit per life: ₱ 8million. Maximum FMB limit per life: ₱ 2 million

~ CBC will be required for ages 70 and over.

blood tests

SL Package 1

Reflex Tests

Glucose

SGOT/AST

Creatinine

albumin

SGPT/ALT

HIV

HBsAG

GGTP

Alkaline

Anti-HCV

Lipid Profile*

Phosphatase

FINANCIAL req’ts 10,000,0 01 to 20M Agent confidential report (ACR)

HBA1c if FBS is elevated HbeAg, anti-HBe & AFP if HbsAg is +

SL Package 2 Males ages 55 & >

SL Package 3

Ages 70 & >

SL package1 + PSA

SL package1 + CBC or SL package2 + CBC

Life: ₱50M & up CI: ₱ 2M & up

10,000,001 to 25,000,000 or $200,001 to 500,000

PHP 20,000,001. to PHP 30,000,000

1.) Financial Questionaire completed by the applicant

1.) Financial Questionaire. 2.) Advisor’s cover letter

over 30,000,000 or over $600,000

1.) Financial Questionaire completed by the applicant

2.) Advisor’s cover letter to justify total insurance following our cover letter format

3.) proof of ownership of properties and business shares / proof of annual income

4.) audited financial statements within the las two (2) years

5.) inspection Report

SONstone

Investment

ART

VUL Historical Funds

Maxilink One (1) 5/2/2011

Flexilink 85 2/5/2007

Flexilink One (1) 9/13/2004

GIO - Guaranteed Insurable Offer

issuance AGE:

• 0-25, ₱ 80M • 26-60, ₱ 120M • 61-70, ₱ 80M

withdrawal Charges:

• 1st yr, 5% • 2 yr, 4 • 3rd yr, 3% • 4th yr, 2% • 5th yr, 1% nd

%

Regular Underwriting

★

issuance AGE: 0-70 Life insurance is 125% of the amount invested. withdrawal Charges:

• Front -end

• Top -ups

Band 1 - 2% Band 2 3%

✦ Band 1: ₱ 250,000 ✦ Band 2: ₱ 500,000

5% 5%

HIB, FCI, FCM

Band 1 -

1st all yrs

3

5

★ YEARS TO PAY

1

2 3 4 -5 premium 30 5% 5% 0% monthly n/a (.15/12) 5% 5% charges

nd

rd

3

th

%

insurance - net amt risk up to 88 fund mgt - monthly deduction

RIDERS: TDB ADB, WPD, WDD

✦ Band: ₱ 200,000

comm.

1st 2nd 3rd 4 -5

Band 1 - 20% Band 2 30%

YEARS TO PAY

charges

5% 5% 0% 5% 5% 0%

✦ Band 1: FA 200,000 ✦ Band 2: FA 1,000,000

charges

1st 2nd 3rd 4 -5

premium 65 5 5 monthly n/a (.40/12) 20% %

%

%

6-10

5 0 5% 5% %

%

charges: premium, monthly periodic, insurance, fund mgt charge.

RIDERS: TDB, ADB, ADDD, WPD, WDD

Band

1st 2nd 3rd 4 -5

6-10

45% 10% 5% 5% 0%

✦ Band: FA 350,000

6-10

5% 5% 5% 25% 5% 5%

charges: premium, monthly periodic, insurance, fund mgt charge. insurance - net amt risk up to 88 fund mgt - monthly deduction

RIDERS: TDB ADB, ADDD, WPD, WDD, CIB, HIB, FCI, FCM

insurance - net amt risk up to 88 fund mgt - monthly deduction

comm.

1st 2nd 3rd 4 -5

premium - 85% 5% monthly n/a (.50/12)

smoker: 16-65

insurance, fund mgt charge.

%

10

male smoker: 16-65 female smoker: 16-70

issuance AGE: 0-65

issuance AGE: 0-60 smoker: 16-60 st

Premium Holiday

issuance AGE: 0-70

charges: premium, monthly periodic,

RIDERS:: ADB, CIB,

%

★

★

4/5/2011

6/3/2009

comm. comm.

Maxilink Prime

Maxilink Bright

★

Life insurance is applicable after the 2 years contestability period.

Life Insurance

comm.

Band 1 Band 2

1st 2nd 3rd 4 -5

6-10

25 15 5 5 5% 55% 15% 5% 5% 5% %

%

%

%

Band 1

✦ age: 0-54, FA 250,000 ✦ age: 55 &up, FA 200,000

Band 2

✦ age: 0-49, FA 500,000 ✦ age: 50-54, FA 400,000 ✦ age: 55 &up, FA 300,000

SONstone ART

SONstone ART