SECURE YOUR FUTURE

Translated into your Prospect’s Life Goals:

• I want to be financially free at retirement.  I’d like to be “living on interest” by then.
• I plan to live my retirement years in comfort and dignity.
• Retirement is going to be “all Sundays” and I’m going to enjoy each day.

Product Solution:  start saving now to build a fund value by the time you reach your retirement age

• Sun MaxiLink Prime/Bright

Limited savings period – for those with more money to save

Potential to earn better-than-inflation returns

Higher/Additional excess premiums (top-ups) increases future fund value

• Sun Flexilink

Longer savings period (amortization method) – for those with less money to save

Potential to earn better-than-inflation returns

Higher/Additional excess premiums (top-ups) increases future fund value

• Sun MaxiLink One

Transfer bank deposits/SDAs to a VUL fund to earn better-than-inflation returns

No premium charges upfront, so 100% is invested thus giving you a good head start

• Mutual Funds

Flexibility to invest into your chosen fund (amount and frequency)

For prospects who are not insurable, or do not require insurance protection anymore

• Sun Smarter Life Elite or Sun Acceler8

Life insurance protection + guaranteed anticipated endowments + dividends

• Let me show you how you can comfortably spend for your basic and discretionary needs during your retirement years.
• Would you like to be financially free in your retirement years? (Yes) What have you done about it?  And what more can you do?
• The money you don’t spend now is the money you will spend in your retirement years.
• What would you rather be at retirement? --- living on interest, or living with in-laws?

SECURE YOUR CHILD’S FUTURE

Translated into your Prospect’s Life Goals:

• A quality college education is the best legacy I can give my child.
• College education can guarantee a better future for my child.
• I’d like to plan ahead so that I can be assured that I can afford to send my child to university.

Product Solutions:  start saving now to build a fund value by the time your Child enters college

• Sun MaxiLink Prime/Bright

Limited savings period – for those with money to save

Potential to earn better-than-inflation returns

Higher/Additional excess premiums (top-ups) increases future fund value

• Mutual Funds

Flexibility to invest into your chosen fund (amount and frequency)

For prospects who are not insurable, or do not require insurance protection anymore

• Sun Dream Achiever

Life protection + guaranteed anticipated & maturity endowments + dividends

• Who do you know is setting aside money for your child’s education? 
• The money you don’t spend now is the money you will spend for your child’s University education.
• You see, Mr/Ms Prospect, you have two budgets:  University Budget and Today’s Budget.  There will be no University Budget in X years if it is not supported from Today’s Budget.
• The longer we delay this, then the more expensive it will become.  Remember that you will need both TIME and MONEY to build your child’s university education fund.

GROW YOUR HARD EARNED MONEY

Translated into your Prospect’s Life Goals:

• I work hard for my money.  I expect my money to work hard for me as well.
• I’m saving for my future.  I just hope that there will be enough to fund my dreams & goals by then.
• I must beat inflation rate if I really want to “grow” my savings.

Product Solutions:  it’s not enough to save, you must invest your excess/idle funds to make it work harder for you

• Sun MaxiLink One / Sun FlexiLink1

Ideal for those transferring existing funds from TD/SDAs to VUL (one-time transfer)

Option to add top-ups for FlexiLink1, or open a new account for MaxiLink One

• Sun MaxiLink Prime/Bright

For those with initial funds less then minimum SP for FlexiLink1

Ideal for regular savers who prefer the discipline provided by a “forced savings plan”

• Mutual Funds

Flexibility to invest into your chosen fund (amount and frequency)

For prospects who are not insurable, or do not require insurance protection anymore

• Time Deposits and SDAs are perfect for your short-term and emergency funds.  However, for your excess funds that are intended for your long-term goals (beyond 5 years), then you must invest them in long-term instruments to earn better-than-inflation returns.
• VUL Funds are effective for long-term fund accumulation, and they are best positioned to beat inflation.
• (If targeting time deposit holders):  All I’m proposing is that you diversify your funds so that those which are meant for long-term goals are placed in equally long-term instruments, so that they can work harder for you. 

PROTECT AND GROW YOUR ASSETS

Translated into your Prospect’s Life Goals:

PROTECT MY ASSETS

• I want to conserve the wealth I’ve accumulated and worked hard for.  I don’t want Estate Tax to reduce its value.
• I work hard so that I can eventually pass on my wealth to my family, so that their future can be financially secured.
• As a breadwinner, I believe I am a valuable asset to my family/dependents.  Of course, I’d like to be a “provider” for as long as they need me, and that’s a very long time. 

GROW MY ASSETS

• I work hard, and I expect my money to work just as hard.
• I know my life goals, which is why I have the discipline to save.  I’d like to optimize the growth of my savings.   

Product Solutions

ESTATE TAX FUNDING

• Term Insurance (5yr renewable  & convertible)
• Whole Life Insurance (regular or limited pay)
• Regular Pay VUL (Sun FlexiLink or Sun MaxiLink Prime)

ESTATE CREATION (creating a cash estate for one’s heirs)

• Sun Smarter Life Classic/Elite
• Sun Acceler8
• Regular or Single Pay VUL

INCOME REPLACEMENT or CONTINUATION

• Whole Life Insurance (regular or limited pay)
• Regular Pay VUL (Sun FlexiLink or Sun MaxiLink Prime)

GROWING YOUR ASSETS

• Regular Pay VUL (Sun FlexiLink or Sun MaxiLink Prime/Bright) – for regular savers
• Single Pay VUL (Sun MaxiLink One, Sun FlexiLink1, structured notes) – for investors; and those transferring funds from their bank deposits
• Mutual Funds
• Whole Life with AE or Pure Endowment plans – for those seeking guaranteed cash benefits

ESTATE PLANNING

• Life Insurance provides the cash needed exactly when needed!  The death which creates the need simultaneously provides the liquidity. 
• Life Insurance can be adjusted to meet the anticipated estate transfer cost.  As the estate grows, and the expected tax settlement increases, then the Life Insurance coverage can be increased.
• With life insurance proceeds, your heirs will not be forced to sell properties in a rush just to settle taxes. 
• Some people spend their whole lives accumulating an estate no larger than the one I’m offering you today for a small deposit.
• If your Estate Tax were to be payable this year, which check would you rather write? – (amount)for the life insurance annual premium, or (amount) for the Estate Tax?

INCOME REPLACEMENT OR CONTINUATION

• Do you know of any other plan that allows you to leave your family with millions of pesos before you have earned them?
• With a life insurance plan, you take care of the small obligation (INSURANCE PREMIUM), while my company takes care of the big obligation (FACE AMOUNT OR COVERAGE).  Which would you rather take care of?
• Life Insurance makes sure that your family’s hopes and dreams won’t die when you do.
• Mr/Ms Prospect, do you have a spare tire?