Sun Fit and Well Critical Illness Health Insurance Philippines

Sun Fit and Well

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Sun Fit and Well

Variants, Benefits, Sample Proposal, Coverage and Recommended Sample.

Sun Fit and Well

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

Sun Fit and Well Overview
  1. 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.
  2. 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. 
  3. 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.
  4. More under the Benefits below.
Sun Fit and Well Overview of Benefits

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 Benefits

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:

Sun Fit and Well Critical Illnesses Covered4
Sun Fit and Well Critical Illnesses Covered3
Sun Fit and Well Critical Illnesses Covered2
Sun Fit and Well Critical Illnesses Covered1
Sun Fit Until 85th Birthday

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.

Sun Fit Well 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.

Pallative Care

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

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.

Overview
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)
Annual Premium
Male (Smoker)
Annual Premium
Female (Non-Smoker)
Annual Premium
Female (Smoker)
Annual Premium
₱300,000Age 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
₱500,000Age 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
₱750,000Age 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
₱1,000,000Age 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

The results are In! See the Best Life Insurance Companies in the Philippines

Sun Fit and Well Quotation

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

Premium: P1,861/month

Part 1 of the Combi Plan- Health Insurance Sun Fit and Well + Life Insurance + Guaranteed Cash Benefits

Premium: P9,675/year

Part 2 of the Combi Plan – Insurance + Investments + Daily Hospital Reimbursement

Premiums: P11,695/year

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:

Related: VUL Insurance

VUL Variable Universal Unit Linked Life Insurance

Variable Unit-Linked Life Insurance

  • What is VUL?
  • Benefits of VUL
  • SunLife VUL
  • VUL Pros and Cons
  • VUL vs Term Insurance
  • Variable Universal Life Insurance Calculator
Ang mga peligrosong sakit ay biglaang nangyayari. Prepared ka ba? (Critical illnesses can happen suddenly. Are you prepared?) Avail Sun Fit and Well Health Insurance by filling up this form and I will send you a proposal that will will insure yourself from hospital expenses.

The Reality of Critical Illness:

Historical Fact: In 2015 alone, estimated 109,280 Filipinos were diagnosed with some form of cancer (except skin) and 66,151 died, according to Philippine Cancer Society. In 2012, 13 out of 100 males and 14 out of 100 females in the Philippines had some form of cancer if they have lived up to age 75. Eleven out of 100 males and 7 out of 100 females would have died from cancer before age 75. See Research Paper.

Filipinos need to make preparations as early in life before it’s too late.

The younger you secure yourself, the cheaper and better it is. Without preparation, your financial life and family may suffer grievous consequences New Cancer Cases 2015 Cancer Sun Fit and Well Health Insurance The most common cancer diagnoses among males are Lung Cancer, Liver, Rectum and Leukemia; while among females are breast, cervix, rectum and lung cancer. One of of the biggest “what-ifs” in our health becomes real when an unexpected illness comes.

The next question: “Are you prepared? Will savings be empty when a long-term hospitalization comes? Will your family go to debt?

For faster response, contact via FB or mobile 09088128227/ 09153994869.

Ang mga peligrosong sakit ay biglaang nangyayari. Prepared ka ba? (Critical illnesses can happen suddenly. Are you prepared?) Avail Sun Fit and Well Health Insurance by filling up this form and I will send you a proposal that will will insure yourself from hospital expenses.

The Reality of Critical Illness:

Historical Fact:
In 2015 alone, estimated 109,280 Filipinos were diagnosed with some form of cancer (except skin) and 66,151 died, according to Philippine Cancer Society.

In 2012, 13 out of 100 males and 14 out of 100 females in the Philippines had some form of cancer if they have lived up to age 75. Eleven out of 100 males and 7 out of 100 females would have died from cancer before age 75. See Research Paper.

Filipinos need to make preparations as early in life before it’s too late.

The younger you secure yourself, the cheaper and better it is. Without preparation, your financial life and family may suffer grievous consequences

New Cancer Cases 2015 Cancer Sun Fit and Well Health Insurance

The most common cancer diagnoses among males are Lung Cancer, Liver, Rectum and Leukemia; while among females are breast, cervix, rectum and lung cancer.

One of of the biggest “what-ifs” in our health becomes real when an unexpected illness comes.

The next question: “Are you prepared? Will savings be empty when a long-term hospitalization comes? Will your family go to debt?

For faster response, contact via FB or mobile 09088128227/ 09153994869.

Solution: Preparation through Health and Financial Protection

Sun Fit and Well offers a holistic solution to your health needs. It is the New Generation Wellness Product that has been well-suited to the needs of modern society.

It gives financial peace of mind to you and your family so these health-related concerns won’t add to your burdens.

Sun Fit and Well protects you from big financial expenses and losses in case an unwanted illness comes.

The cost of premiums primarily depends on the age of the insured. If you are in your 20’s or 30’s, you can take advantage of the fact that you are most likely healthy and earning.

When you are young and no diagnosis, the payments are cheaper. When you are advanced in age and have been diagnosed already, you may pay substandard or more expensive dues. Worst, your application will be reject because you’re no longer insurable.

When the years of sickness come, you won’t have to empty all your resources to cope up with health costs.

For faster response, contact via FB or mobile 09088128227/ 09153994869.

Below is a sample Sun Fit and Well Proposal. It is Sun Fit and Well Advantage which covers you financially from 114 critical illnesses.
Sun Fit and Well Advantage Proposal Bryan Villarosa

Fill up this form or the form at the bottom of this page for a personalized proposal matching your needs.

Three Major Types of this Product:
1. Sun Fit and Well- (40 years old and below)
2. Sun Fit and Well Advantage- (35 years old and below)
3. Sun Fit and Well Plus (40 years old and below)

Sun Fit and Well covers you until age 100. If nothing happens, the coverage becomes death benefit. The 2 types of Sun Fit and Well brands offer cash dividends at the end of the term.

Three Payment Modes:
1. 10 year
2. 15 year
3. 20 year

Among the three types, Advantage is the most comprehensive. Here’s an overview of the benefits of Sun Fit and Well Advantage:
1. Major Critical Illness: 100% of the Face Amount
2. Minor Critical Illness: 20% of the Face Amount
3. Specific Cancer Booster: 50% of the Face Amount
4. Guaranteed Cash Benefit (Dividends/ Anticipated Endowment)
5. Daily Hospital Income
6. Post Hospitalization Benefit
7. Home Recovery Benefit
8. Palliative Care Benefit
9. Access to Wellness Programs that Help You Proactively Maintain your Health.
10. Life Insurance Protection

Below is a case scenario for the sample life of John Jr.

Fill-up the form below to get a a complete Financial Needs recommendation.

Related: VUL Insurance

VUL Variable Universal Unit Linked Life Insurance

Variable Unit-Linked Life Insurance

  • What is VUL?
  • Benefits of VUL
  • SunLife VUL
  • VUL Pros and Cons
  • VUL vs Term Insurance
  • Variable Universal Life Insurance Calculator

LIFE INSURANCE IN THE PHILIPPINES​

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