SONstone Complete...

1

welcome to SUNSTONE

2015 WE SHINE FOR YOU

_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

1

2

3SAVINGS Given Value

2016Infographics

TVM Time Value of Money

VALUE% VS WORTH

20%Info

Invest15%

45%WILL

Savings20%

ARTSONstone

Time Value of MoneyAGE

STARTEDVUL

10% - 10th yr65

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

AGE 0 (7 days old)

VUL10% - 10th yr

65

₱385,000 ₱75,000,000

2027 2047

%

%

2017

%

100k

1m

10m

100m

1b

15m

25m

39m 41m

30y 25y 21y 20y

Average savings

10%

20%

Recommended savings

__y

Annual 10th year₱120,000 ₱1,200,000

Annual 10th year₱30,000 ₱300,000

ARTSONstoneInvestment Life Insurance

VALUE * vs * WORTHAnnual 10th year

₱120,000 ₱1,200,000

100k 102k

%%

98k

%

invest

Valued offer 2%

real Worth-4%

year inflation rate

2008 8.3%

2009 4.1%

2010 3.9%

2011 4.6%

2012 3.2%

2013 2.95%

2014 4.1%

2015 1.5%

Annual 10th year₱30,000 ₱300,000

Variable Universal Life

10% /yr

Mutual Funds

₱385,000 FundValue ₱525,935

₱1 ,000,000 vs ₱140,935

Fully renovated Partly renovated

Variable Universal Life

10% /yr

Mutual Funds

₱1,500,000 FundValue ₱2,103,740

₱4 ,000,000 vs ₱603,740

House Car


Life Insurance= SAVINGS

Investmentvs SAVINGS

2053

2020

age: 20yrs old, amount: 10k /mo.

Started Investing

₱120k /yr2030

₱1.2m₱1.5m

₱4m

2065

₱1.2m₱4m

Life Insurance

SAVINGS

₱120k

SAVINGSLife Insurance

SAVINGSLife Insurance

SAVINGS

VUL Funds

₱5.4m₱41m

SAVINGS

VUL Funds

2021

2030₱4m

₱4m

SAVINGS given Valuesavings

45 yrs

invested

10 yrs

savings

life insuranceARTSONs

tone

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

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

▪ 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

Wants vs. importance

Die too early?

Live too long?

planne

d inves

tment

Goal / Target

No plans/savings rollercoaster

20 30 7550 65

Prepared? Enough?Ready?

InflationEstate Tax

Estate Tax / Donors Tax

Critical Health

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 Real worth Value 2% -4% 100k 102k 98k

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

★ 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


VUL Historical Funds

http://mark.at

Minimum Initial investment of ₱ 5,000 Minimum Subsequent investment of ₱ 1,000

INVESTMENTSales Load Rate (plus 12% VAT)

< ₱100,000 2.00% (2.24%)

₱100,000 < ₱1.0M 1.50% (1.68%)

₱1.0M < 5.0M 1.00% (1.120%)

₱5.0M < ₱20M 0.50% (0.56%)

Redemption Period

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

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

₱5M Mutual Funds Privileges 10% waived back-end redemption

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.

Account Options:

1.Individual2.Joint3.in-Trust for Account

4.corporation5. cooperative

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

Option A FRONT - End LOAD

(Peso funds)

Option B BACK - End LOAD

(Peso & dollar funds)

Mutual funds: SLAMCIARTSONstoneInvestment Life Insurance

OVER BUT NOT OVER TAX SHALL BE PLUS OF THE EXCESS 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

Estate Tax Table  

OVER BUT NOT OVER TAX SHALL BE PLUS OF THE EXCESS 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

10,000,000 1,004,000 15% 10,000,000

Donors Tax Table 

proverbs 20:21An inheritance quickly gained will

not be blessed in the end

proverbs 21:5the PLANS of the diligent leads to profit,

as surely as haste leads to poverty

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

Life Insurance is a money for someone someday, because

someone cared Today.

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


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

Annual college TUITION FEES


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


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

151 yrs, est. 1865

121yrs.

est, 1895


Insurance Company Established

Years of Existence

1895 1211907 1091910 106

1914-1919

1939

1939-1945

1946 701947 691954 621954 62

Insurance Company Established

Years of Existence

1962 54

1963 53

1979 37

1996 20

1999 17

SLF PSEi 2000 16

2011 5


0

10

20

30

40

2007 2008 2009 2010 2011 2012 2013 2014 2015

5.13.4 3.5

7.3

9.9

15.59

18

15.45

19.81

16.8

13.6

10.8 11.213.5

15.29

19.918.31

21.17

13.1

9.8 9.5 10.613.8

20.5

29.7 30.732.8

3.5 3.1 3.1 3.94.9

7.48

1513.35 13.92

16.3

5.3 4.4

8.39.98

12.27

18.2 18.34

22.82

AXA LifeManulifeSun Life FinancialPhilamLifePru Life UK

TOTAL Premiums in Billions

Year 2015


Listed in PSEi Pure Mutual Funds VUL

ADVANTAGES of Sun Life

Mutual Funds Companies TAX if not Listed 5% CG &

10% excess of 100k

with Asset Management Company

Protection + Investment +

Savings =

Variable Unit LinkPublicly Listed Companies Amongst top 10 performing companies

LIFE INSURANCE COMPANIES


BULL

BEAR

PHP1

00,0

00.0

0PH

P145

,000

.00

PHP1

90,0

00.0

0

Jan.1

0'06

Jan.1

0'07

Jan.1

0'08

Jul.1

6,08

PHP111,476

PHP161,561

PHP183,112

PHP148,203

PHP110,000

PHP121,000

PHP133,100

SCENARIO 1GUARANTEED VARIABLE

DATE Principal Amt

Current Value Principal Amt

NAVPU UNITS 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 1.84 183,112.88

SCENARIO 2GUARANTEED VARIABLE

DATE Principal Amt

Current Value Principal Amt

NAVPU UNITS 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


MARK to MARKET

BULL

BEAR

PHP1

00,0

00.0

0PH

P122

,500

.00

PHP1

45,0

00.0

0PH

P167

,500

.00

PHP1

90,0

00.0

0

Jan.1

0'06

Jan.1

0'07

Jan.1

0'08

Jul.1

6,08

PHP111,476

PHP161,561

PHP183,112

PHP153,431

PHP111,476

PHP161,561

PHP183,112

PHP148,203

MARK to MARKET

FUND SWITCHING ILLUSTRATIONGUARANTEED VARIABLE

DATE Principal Amt Current ValuePrincipal Amt NAVPU UNITS 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 1.84 183,112.88

JUL.16’08 133,100.00 1.84 148,203.30

MONEY MARKET

Jan.10’08 183,112.88 1.01 180,762.96 183,112.88

Jan.17’08 1.01 183,203.26

BALANCED FUND

Jan.17’08 183,206.26 1.78 102,767.3 183,203.26

JUL.16’08 1.49 153,431.57


up to 5M none5,000,001 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 completed & signed by

the applicant

2.) cover letter completed by the advisor to justify

total insurance need

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

income

4.) audited financial statements within the

las two (2) years5.) inspection Report

increased special tests

age of insured

urinalysis + cotinine

blood tests

x-ray ECG Treadmill

up to 19 - - - - -

20 to 35 5M (cotinine only) - - - -

36 to 40 5M 5M 10,000,001 10M -41 to 50 3M 3M 10,000,001 5M -51 to 60 2M 2M 5,000,001 2M 5M61 to 69 1M 1M 3,000,001 1M 5M

70 & over 500,000 500,000 500,000 500,000 5M

Application form

special tests

financial req’ts

submit within 30days from

signingvalid 1 year

valid for 1 year, unless there are

changes

Medical Examvalid 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

NMA Limits for basic life

age of insured Death Benefit (phil peso)

Death Benefit (US Dollar)

7days to 35 4.5 Million $90,000

36 to 40 2.5 Million $50,00041 to 45 1 Million $20,000

46 to 50 500,000 $10,000

up to Age 50 up to ₱ 5M $100,000

_WPD / WPDD_blood tests

sunlife 12 (SL12) sunlife 13 (SL13)

HIV GGTP cholesterol

SL12 + PSASGPT HBsAG creatinineSGOT Anti-HCV Alk. phosphate

ALBUMIN Glucose triglycerides

Reflex Tests ages 70 & over

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

chol or trigs is elevatedSL12 or SL13 +

CBC

FINANCIAL req’ts

Validity of Financial REQ’ts

type Death Benefit (PHP or Dollar)

regular/mobile ₱5M & below

special/mobile UP to ₱20M

Paramedics

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

Non - Medical LimitsARTSONstone Life Insurance

https://goo.gl/AYgtBZ

Paramedics

FINANCIAL req’ts

23

for TENURED, Required

completion of courses:

- - Underwriting &Ethics - - START training Course

- - Underwriting Essentials - - _SUNNY LEVEL-UP_

NMA Limits for CIB & FMB

age of proposed insured

CI & FMB amt (Phil Peso)

up to 35 5 Million

36 to 40 3 Million

41 to 50 1 Million

51 to 60 500,000

increased special tests

age of insured

urinalysis cotinine* blood tests

ECG Treadmill

x-ray

up to 19 - - - - - -20 to 35 10,000,001 10,000,001 - - - -36 to 40 10 M 10 M 10 M 20 M - 25 M41 to 50 5,000,001 5,000,001 5,000,001 5,000,001 - 25 M51 to 60 5,000,001 5,000,001 5,000,001 5,000,001 10 M 25 M61 to 69 2 M 2 M 2 M 2 M 5 M 25 M

70 & over 1 M 1 M 1 M 1 M 5 M 25 M

up to 19 - - - - - -20 to 35 5,000,001 5,000,001 - - - -36 to 40 3,000,001 3,000,001 5 M - - -41 to 50 3 M 3 M 3 M 3 M 5 M -51 to 60 2 M 2 M 2 M 2 M 5 M 8 M

SL Package 2 Males ages 55 & >

SL Package 3

Ages 70 & >

SL package1 + PSA

Life: ₱50M & up CI: ₱ 2M & up

SL package1 + CBCor

SL package2 + CBC

blood tests

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

~ CBC will be required for ages 70 and over.

SL Package 1 Reflex Tests

Glucose SGOT/AST CreatinineHBA1c if FBS is

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

albumin SGPT/ALT HIVHBsAG GGTP Alkaline

Anti-HCV Lipid Profile* Phosphatase

NMA Limits for basic life

LEVEL UP Non - Medical Limits

age of insured

WPD/WPDD

Death Benefit (phil peso)

Death Benefit (US Dollar)

7days to 35 18 to 35 10 Million $200,000

36 to 40 7 Million $140,000

41 to 55 5 Million $100,000

56 to 60 3 Million $60,000

61 to 65 1 Million $20,000

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

FOR Critical illness & FMB Riders

up to 10M

10,000,001 to 20M

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

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

none

Agent confidential

report (ACR)

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) years5.) inspection Report

~ Special test will be required if the sum of the policies issued within the past 2 years.

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

type Death Benefit (PHP or Dollar)

regular/mobile ₱10M & below

special/mobile unlimited

ARTSONstone Life Insurance

Maxilink One (1)

5/2/2011 Maxilink Prime

4/5/2011

Flexilink 852/5/2007

★ GIO - Guaranteed Insurable Offer

Life insurance is applicable after the 2 years contestability period.

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

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

comm. Band 1 - 2% Band 2 3%

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

Flexilink One (1)

9/13/2004

★ Regular Underwriting

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

withdrawal Charges: • Front -end 5% • Top -ups 5%

RIDERS:: ADB, CIB, HIB, FCI, FCM

comm. 1st all yrs Band 1 - 3% 3% ✦ Band: ₱ 200,000

★ Premium Holiday issuance AGE: 0-70 male smoker: 16-65 female smoker: 16-70

charges 1st 2nd 3rd 4 -5 6-10premium - 85% 5% 5% 5% 5% monthly n/a (.50/12) 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

comm. 1st 2nd 3rd 4 -5 6-10 Band 1 - 25% 15% 5% 5% 5% Band 2 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

★ 10 YEARS TO PAY issuance AGE: 0-65 smoker: 16-65

charges 1st 2nd 3rd 4 -5 6-10 premium 65% 5% 5% 5% 0% monthly n/a (.40/12) 20% 5% 5%


RIDERS: TDB, ADB, ADDD, WPD, WDD

comm. 1st 2nd 3rd 4 -5 6-10 Band 45% 10% 5% 5% 0%

✦ Band: FA 350,000

Maxilink Bright

6/3/2009

★ 5 YEARS TO PAY issuance AGE: 0-60 smoker: 16-60

charges 1st 2nd 3rd 4 -5th premium 30% 5% 5% 0% monthly n/a (.15/12) 5% 5%


RIDERS: TDB ADB, WPD, WDD

comm. 1st 2nd 3rd 4 -5 Band 1 - 20% 5% 5% 0% Band 2 30% 5% 5% 0%

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


VUL Historical Funds

ARTSONstone

ARTSONstone

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