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
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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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
7
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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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
**Rates were increased by 12.25~ annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.
ARTSONstoneInvestment Life Insurance
**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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
17
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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
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
ARTSONstoneInvestment Life Insurance
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%
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
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%
charges: premium, monthly periodic, insurance, fund mgt charge. insurance - net amt risk up to 88 fund mgt - monthly deduction
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
ARTSONstoneInvestment Life Insurance
VUL Historical Funds
ARTSONstone
ARTSONstone