Sun Smarter Life: Enjoy Guaranteed Life Insurance and Cash Benefit

Sun Smarter Life is a whole life insurance plan offered by Sun Life that covers you from day 1 to age 100. A whole life plan is one of the best choices to get if you cannot handle the inherent volatility of VUL plans. You know how unpredictable the market can get and if this makes you uncomfortable then get a whole life plan which has guaranteed life insurance and cash benefits. This may come with a higher price tag for the extra peace of mind from the word “guaranteed”.

READ: Sun  Life Remains the Top Life Insurer in the Philippines

Sun Smarter Life Classic

A whole life plan like Sun Smarter Life has life insurance protection until age 100. What makes it even more special is that the protection it provides is equal to twice the face amount. The minimum face amount for this plan is Php 200,000. Your family will receive this amount when you die due to a natural cause or accident. Take note that you don’t buy life insurance because you’re going to die but because someone has to continue living.

Remember: It’s always a struggle when you lose someone you love BUT your emotional struggles don’t need to be compounded by financial difficulties.

READ: Life Insurance | Ignore Me Today and I will Ignore You Tomorrow

Living Benefits

None of us is excited to die, right? Excitement is not the reason why we get ourselves insured but the financial security it offers plus life insurance is not just about dying. You can still enjoy its benefits while living. Sun Smarter Life is a participating whole life plan which means it may pay you non-guaranteed dividends on top of your accumulated cash value. You can use the cash value of your plan as an alternative source of funds for emergencies or immediate need for cash. Instead of borrowing from institutions with high-interest rates or giving up your prized possessions in exchange for money.

Flexible Payment Options

The plan is payable in either regular pay or limited pay options. Suan, what’s the difference between the two? Sun Smarter Life is a life insurance that covers you until age 100. It’s almost a lifetime for most of us, right? If you opt to choose regular pay then you have to pay the plan until age 100, or better yet until your last years. I know it can be intimidating to hear but you still have other option. You can pay the plan in 5 years or 10 years and you’re good to go, hence limited pay.

Suan, what’s the catch? Of course, the major difference is the premium amount. Expect to pay more with limited pay because the charges are compressed in a narrower timeframe, unlike the regular one. If you have the money and wouldn’t like to continue struggling in paying the premiums on a regular basis, until your last year, then go for a limited pay.


The issue ages for this plan is from age 0 to 80. When we talk about 0 years old we are talking about a baby age 7 days and above. Unlike premiums for your term insurance that increases every after a certain period like 5 years, Sun Smarter life is a level premium which means the premium you pay from day 1 is the same premium you pay until you finish the plan.

READ: Best Affordable Term Life Insurance in the Philippines

Supplementary Benefits

You can attach riders or supplementary benefits on your plan to maximize the protection you get.

  • Attach a Total Disability Benefit (TDB) or waiver of premiums to your plan to waive future payments when you get totally and permanently disabled.
  • Accidental Death Benefit (ADB) will enhance the amount of money your family will die because of an accident.
  • You can also attach a Hospitalization Income Benefit (HIB) on your plan to replace your lost income while confined to a medical facility.
  • Critical Illness Benefit (CIB) will give you extra protection by giving a lump sum of money when you get treated or diagnosed with critical illness.
  • Sun Safer Life can also be attached to the plan to add more protection.
  • Waiver of Premiums upon Death of the Initial Owner and Waiver of Premiums upon Death or Disability of the Initial Owner (WPD/WPDD) if the insured is a child.

Sun Smarter Life Elite

I know that Sun Smarter Life Classic is already a winner from all the benefits you can get from the plan but Sun Life knows our needs and takes the benefits a notch higher with Sun Smarter Life Elite. This plan is basically a Sun Smarter Classic with an anticipated endowment benefit of 8% of the face amount starting at the end of the 6th year and every 2 years thereafter for life. Don’t worry because the endowment benefit won’t lessen your original face amount.

Contact Us

If you want to inquire about the plan you can reach me any time of the day thru the following channels. Your questions are most welcome. You can also set an appointment with me with no obligation. Want a financial planning session? Contact me today!




What is Sun Maxilink 100?

This is the newest and most affordable life insurance with an investment plan from Sun Life. It gives an extended coverage of until age 100.

What is the difference between Sun Maxilink 100 and Sun Flexilink?

They are both variable unit-linked plans or VUL from Sun Life. The major difference is that Sun Maxilink 100 is available for Php 700k life insurance coverage and up. If you want lesser than that then Sun Flexilink is for you.

Which is BETTER between Sun Maxilink 100 and Sun Flexilink?

None. No plan is superior over the other as a good plan for you may be different from another person because both of you have different financial needs.

How much do I need to start a Sun Maxilink 100?

You can start for as low as Php 2,000 per month. But it will still depend on your age and other factors.

What are the requirements to start Sun Flexilink?

You just need one valid ID together with your initial payment of at least one quarter or equivalent to 3 months worth of premium.


16 comments… add one
  • Jums Link Reply

    Hi Bro,

    Is this plan offers policy loan feature? I heard its only available to whole life insurance (traditional).

    For example, I want to buy a car, but instead of availing a bank financing, I will just avail the policy loan, then pay the car in cash.

    Then, paying the policy loan. I think yhe interest might be a little less than bank financing.

    Thank you. 🙂

    • Hi Jums. If you have a participating trad insurance plan, you may loan against your cash value at that time. Policy loan is cheaper than bank financing.

  • Kate De Jesus Link Reply

    Hi! Im interested with Elite 10, my birthday is 12/13/1998. Can I know how much would be the monthly payment? Can you also send me a plan with less than 2000 premium if there is any available? (not smoker)

  • Annalene Garcia Link Reply

    Hi Sir, Im intrested in Sun Smarter Life Classic Insurance Coverage. Can you give me a sample computation for 500,000 face amount. Im 33 years old. Thank you

  • Jenny Rose Clavecillas Link Reply

    Good day po. Im interested to have an insurance. And also para po sa mother and father ko na at the age of 50+, still dont have an insurance. Please can you guide us in choosing the good insurance that suits for us. Thank you so much.

    • Federico Suan, Jr. Link Reply

      Hi Jenny. They are still eligible to get life insurance, however, it may not be on the cheaper side due to age. Thanks 🙂

  • RICA Link Reply

    How long it will take if I want to have an insurane plan?

    • Federico Suan, Jr. Link Reply

      Hi Rica. It will depend on a lot of factors but if your application qualifies to a speedy case then it will take you 2-3 weeks time. Thanks!

  • Jaymejol Link Reply

    Can I ask more details. Including the terms and condition.

    • Federico Suan, Jr. Link Reply

      Hi Jaymejol. Terms and conditions are best discussed in person as it may get too technical. If you want to schedule a personal discussion. Please let me know. Thanks!

  • Sir, does whole life plans also applicable for seafarers?

    • Federico Suan, Jr. Link Reply

      Hi Prince. Yes, you can apply for a whole life plan but the corresponding rating shall apply based on your job duties. You can reach me thru my email it’s Thanks!

  • Lyndee Link Reply

    Interested pls send me details i am OFW and where to pay for it? Thanks

    • Federico Suan, Jr. Link Reply

      Hi Ms. Lyndee. You can only apply for this when you are in the Philippines. The application must be signed here to make it valid. May I know when is your next vacation? I will be sending you an email. Please check your inbox for it. Thanks!

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