Sun Fit and Well
Variants, Benefits, Sample Proposal, Coverage and Recommended Sample.
Life is better when are in our best of health! But no matter how we take good care of our bodies, there may come a time that unwanted illnesses could come.
There’s something you could do today while you’re still healthy. I can help you avail of Sun Fit and Well from Sun Life.
Sun Fit and Well is a critical illness / health insurance program by Sun Life that gives you a guaranteed amount incase an unwanted critical illness or death sets in to the life insured. It can also offer you
Top Reasons to Get Sun Fit and WEll
- Focus on Healing rather than Expenses. Debts give headache and restlessness. I think the most compelling reason is you can focus on recovery rather than worrying on paying off hospital bills. The relief from financial burdens would even contribute for faster recovery in the family.
- Guaranteed Limited Time Period- the beauty of this is once you’re done paying, you’re covered for life until the Lord takes you away, or a Critical Illness strikes.
- Acts as Life Insurance – if there’s a possibility that no critical illness strikes til age 100, praise God. You can still pass-on a “legacy fund” to your beneficiaries.
- More under the Benefits below.
Variants of Sun Fit and Well
- Sun Fit and Well
- Sun Fit and Well 10
- Sun Fit and Well 15
- Sun Fit and Well 20
- Sun Fit and Well Plus
- Sun Fit and Well Plus 10
- Sun Fit and Well Plus 15
- Sun Fit and Well Plus 20
- Sun Fit and Well Advantage
- Sun Fit and Well Advantage 10
- Sun Fit and Well Advantage 15
- Sun Fit and Well Advantage 20
Sun Fit and Well Overview of Benefits
Sun Fit and Well Advantage is a comprehensive life and health protection coverage which gives clients and their family comfort and peace of mind in times of great distress caused by a serious illness.
1. Pre-emptive Wellness Benefit
Special access and privileges to various wellness activities that will help keep one’s mind and body fit.
- Access to Sun Life’s GoWell, a wellness community that promotes holistic wellness through an active and balanced life.
- Health and Wellness information through gowell.com.ph which offers a wealth of information for your health.
- Free Fitness Classes
- Community Workouts
- Discounts and Privileges
- Rewards and Community
2. Comprehensive Critical Illness Benefit
Gives peace of mind knowing Sun Fit and Well covers you up until your senior years, providing financial benefits upon diagnosis of any of the 100+ critical conditions across major and minor stages.
If the life insured has been diagnosed, while living, to have contracted any one or more from the different groups of the following Critical Illnesses as listed and/or has undergone any of the specified surgeries, then you will receive a percentage of Ps FACE AMOUNT.
The percentage will be based on the following:
- 20% for Minor CI,
- 10% for Angioplasty Benefit and
- 100% for Major CI less any Minor CI, Angioplasty and Anticipated Endowment Benefits, subject to applicable provisions.
The diagnosis of any Critical Illness must occur more than 90 days after the date the policy comes into force. The list of Critical Illnesses and those requiring surgery include:
3. Specific Cancer Booster Benefit
Further eases one’s financial worries as it provides cash benefit equivalent to 50% of the Original Face Amount upon first diagnosis of any covered Specific Cancer condition.
If the life insured has been diagnosed, while living, to have contracted any one of the 16 specific cancer conditions, an additional 50% of the Original Face Amount will be paid out as Specific Cancer Booster Benefit.
4. Life Insurance Protection
Guaranteed life insurance protection equivalent to the policy’s Original Face Amount until age 100.
5. Special Bonus and Dividend Earnings
Provides special bonus at the end of the premium-paying period, and annual dividend earnings thereafter which may be withdrawn anytime or left with Sun Life to accumulate.
6. Limited Payment Period
Can be fully paid in 10,15 or 20 annual installments, and payments are fixed throughout the paying period. Semi-annual, quarterly and monthly are also available to make payments more affordable.
Under the Sun Fit and Well PLUS and ADVANTAGE Variants:
Enhance your coverage by availing either of the two variants above with these benefits.
Guaranteed Cash Benefits
As early as age 65, SUN Fit and Well Plus and SUN Fit and Well Advantage lets you advance 5% of the Face Amount for 8 consecutive years; giving you a steady income stream that you can rest on during your golden years.
Treatment and Rehabilitation Booster
Avail of SUN Fit and Well Advantage and supplement your benefits to cover expenses related to medical treatment, hospitalization, follow-up specialist visits, home recovery and palliative care.
Hospital Income Benefit
Daily Hospital Income of 0.125% of Original Face Amount if the life insured is diagnosed as suffering from any Critical Illnesses resulting in hospital confinement, subject to a maximum of Ps 18,750 per day. We will pay twice the amount of daily Hospital Income if such hospital confinement is in the Intensive Care Unit. This benefit is subject to maximum of 90 days hospital confinement for Critical Illness under the same group and only up to 4 groups of Critical Illness.
Post Hospitalization Benefit
Fixed lump sum amount of Ps 5,000 following hospital discharge. This benefit is subject to a maximum of one payment for hospital confinement due to Critical Illness under the same group and only up to 4 groups of Critical Illness.
Home Recovery Benefit
Fixed lump sum amount of 50% * Daily Hospital Income * length of hospital confinement, following hospital discharge. This benefit is subject to maximum of 90 days hospital confinement for Critical Illness under the same group and only up to 4 groups of Critical Illness.
10% of Original Face Amount following discharge from the hospital, if within six months following first diagnosis of the major critical illness resulting in Hospital Confinement, the life insured is also diagnosed to be terminally ill with a life expectancy of 6 months or less.
Additional Benefit Related to Specific Cancer
Following hospital discharge and if the life insured is qualified for the Specific Cancer Booster Benefit, we will pay additional 50% of Hospital Income, Post Hospitalization, Home Recovery, and/or Palliative Care Benefits.
Sun Fit and Well Premiums
Below are the annual premiums for Sun Fit and Well Advantage 20 which is offered by Sun Life Financial, Philippines. To know the annual premiums for your exact age, contact me via this form or call me at 09088128227.
Sun Fit and Well Advantage
Maximum age coverage is until age 35
Sun Fit and Well
Maximum age coverage is until age 49
Payment Terms are 10 yrs, 15 yrs and 20 yrs
Invest in your health.
|Face Amount||Male (Non-Smoker)|
|₱300,000||Age 25: ₱8,712.00|
Age 30: ₱9,627.00
Age 35: ₱10,764.00
Age 40: ₱12,261.00
|Age 25: ₱9,525.00|
Age 30: ₱10,722.00
Age 35: ₱12,501.00
Age 40: ₱14,292.00
|Age 25: ₱8,919.00|
Age 30: ₱9,987.00
Age 35: ₱11,181.00
Age 40: ₱12,654.00
|Age 25: ₱9,639.00
Age 30: ₱10,914.00
Age 35: ₱12,645.00
Age 40: ₱14,298.00
|₱500,000||Age 25: ₱14,520.00|
Age 30: ₱16,045.00
Age 35: ₱17,940.00
Age 40: ₱20,435.00
|Age 25: ₱15,875.00|
Age 30: ₱17,870.00
Age 35: ₱20,835.00
Age 40: ₱23,820.00
|Age 25: ₱14,865.00|
Age 30: ₱16,645.00
Age 35: ₱18,635.00
Age 40: ₱21,090.00
|Age 25: ₱16,065.00
Age 30: ₱18,190.00
Age 35: ₱21,075.00
Age 40: ₱23,830.00
|₱750,000||Age 25: ₱21,780.00|
Age 30: ₱24,067.50
Age 35: ₱26,910.00
Age 40: ₱30,652.50
|Age 25: ₱23,812.50|
Age 30: ₱26,805.00
Age 35: ₱31,252.50
Age 40: ₱35,730.00
|Age 25: ₱22,297.50|
Age 30: ₱24,967.50
Age 35: ₱27,952.50
Age 40: ₱31,635.00
|Age 25: ₱24,097.50
Age 30: ₱27,285.00
Age 35: ₱31,612.50
Age 40: ₱31,635.00
|₱1,000,000||Age 25: ₱29,040.00|
Age 30: ₱32,090.00
Age 35: ₱35,880.00
Age 40: ₱40,870.00
|Age 25: ₱31,750.00|
Age 30: ₱35,740.00
Age 35: ₱41,670.00
Age 40: ₱47,640.00
|Age 25: ₱29,730.00|
Age 30: ₱33,290.00
Age 35: ₱37,270.00
Age 40: ₱42,180.00
|Age 25: ₱32,130.00
Age 30: ₱36,380.00
Age 35: ₱42,150.00
Age 40: ₱47,660.00
To enter your desired Face Amount and/or exact age, fill out the Form below: https://goo.gl/wrZa6r
Get Sun Fit and Well Quotation
Sample Sun Fit and Well Proposal
Here’s a sample life insurance quote I made for my client which is 26 years old, female and non-smoker. No previous diagnosis – standard rating.
The following Plan is what I call as the Combi Plan which is a combination of VUL and Health Insurance of Sun Life. The following benefits by which my client could get.
500 per day na hospital
Sun Fit and WEll covering 114 illnessses tila age 100
Accidental Death, Dismemberment and Disablement 300k
Life Insurance total of 600k
Investments projected at 3.1 Million at age 65 at 10% annual average investment performance
Sun Fit and Well Cash Value at age 75 = 449,000
Part 1 of the Combi Plan- Health Insurance Sun Fit and Well + Life Insurance + Guaranteed Cash Benefits
Part 2 of the Combi Plan – Insurance + Investments + Daily Hospital Reimbursement
or you may fill out directly to this form:
If you want to combine the ability to PROTECT YOUR FAMILY’S INCOME through INSURING THE BREADWINNER, and at the same time GROWING YOUR MONEY FOR YOUR FUTURE NEEDS, complete the form below:
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