SUN Fit and Well Advantage 15

Make a bright choice with SUN Fit and Well Advantage 15, a wellness product that helps you maintain a healthy lifestyle and offers
life and critical illness insurance with anticipated endowments, that primarily addresses your need for:

SUN Fit and Well Advantage 15 lets you enjoy these benefits:
HEALTH AND WELLNESS BENEFITS
Enjoy special access and privileges to various wellness activities that will help you stay fit and healthy.

CRITICAL ILLNESS COVERAGE

This offers critical illness benefit to shield you from financial burden caused by any of the 114 covered critical illness
conditions, additional cash benefit upon first diagnosis of any covered specific cancer condition, and additional benefits to
cover expenses related to home recovery and palliative care.

GUARANTEED CASH BENEFITS

As early as age 65, you may advance 5% of your policy's Face Amount for 8 consecutive years. This gives you a steady income
stream that you can rely on during your golden years.

LIFE INSURANCE PROTECTION

Secure your loved ones' future with guaranteed life insurance protection equivalent to the policy's Face Amount less any
previous amount paid for Minor Critical Illness Benefit and/or cash benefits. You may also enhance your benefits with the
addition of riders or supplements which provide protection for contingencies such as accidental death, disability and illnesses.

SPECIAL BONUS AND DIVIDEND EARNINGS

Be rewarded with a special bonus at the end of the premium paying period, and annual dividend earnings thereafter which you
may opt to get in cash or leave with Sun Life to accumulate.

LIMITED PAYMENT PERIOD

Pay your premiums for 15 years via Annual, Semi-Annual, or Quarterly mode, whichever is more convenient to you. Monthly
payment through Auto-Debit or Auto-Charge may also be arranged after payment of the initial quarterly premium.

Note: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.

PRIMARY BENEFITS (BASIC PLAN) SUPPLEMENTARY BENEFITS

FACE AMOUNT 500,000.00 ACCIDENTAL DEATH BENEFIT (ADB) 500,000.00

INITIAL LIFE INSURANCE COVERAGE 1 500,000.00 TOTAL DISABILITY BENEFIT (TDB)

SPECIFIC CANCER BOOSTER BENEFIT 250,000.00 HOSPITAL INCOME BENEFIT4 (HIB) 2,500.00

GUARANTEED CASH BENEFIT 25,000.00

HOSPITAL INCOME BENEFIT2 625.00

POST HOSPITALIZATION BENEFIT 5,000.00

HOME RECOVERY BENEFIT 312.50
PALLIATIVE CARE BENEFIT 50,000.00

1
Initial Life Insurance Coverage may be reduced by
DEATH BENEFIT3 LIVING BENEFIT3 Minor Critical Illness Benefit or any Guaranteed
Cash Benefit / Anticipated Endowment that may
have been previously paid to the client.
2
600 400 This benefit is part of the basic plan and provides
daily hospital income for confinement related to a
450 300 covered critical illness. Additional daily hospital
income will be provided if client will be confined in
300 200 an Intensive Care Unit/Critical Care Unit.
3
The values are computed based on 4.20% dividend
150 100 accumulation rate which is subject to change and is
not guaranteed by Sun Life. The values are also
0 0 based on the assumption that guaranteed cash
35 40 45 50 35 40 45 50 benefits are being paid out.
4
This is an optional rider that provides fixed daily
AGE AGE income for hospital confinement due to covered
sickness or injury.

This is for information purposes only and is not a contract of insurance. For more information on the above benefits and additional details, please refer to the product proposal attached herein.
SUN Fit and Well Advantage 15
PRODUCT HIGHLIGHTS
What is SUN Fit and Well Advantage 15?
SUN Fit and Well Advantage 15 is a participating, limited-pay whole life critical illness (CI) product with guaranteed cash benefits.1 This
product provides comprehensive life and health protection until age 100.

You may refer to Page 1: Proposal Information for more details on the product features and benefits.

How does SUN Fit and Well Advantage 15 work?

SUN Fit and Well Advantage 15 is a New Generation Wellness Product that is designed to provide you a holistic response to your
evolving protection needs, giving you the combined benefit of savings and comprehensive health protection throughout your lifetime.

HEALTH PROTECTION
SUN Fit and Well Advantage 15 has you covered across key stages of your health journey.

Prevention - You can be part of Sun Life's wellness community (GoWell) that allows you to have easy access to a
wealth of health and wellness information, join fitness and wellness events, and learn from nutrition and health
experts.

Diagnosis - SUN Fit and Well Advantage 15 provides benefits in case you are diagnosed with any of the 114 covered
critical conditions across minor and major stages (64 major critical illnesses, 34 minor critical illnesses and 16 specific
cancer conditions). It provides financial benefits equivalent to: 1) 20% of the Original Face Amount when you are
diagnosed with any of the 34 Minor Critical Illnesses; 2) 10% of the Original Face Amount when you have undergone,
for the first time, Angioplasty or other invasive treatment for Coronary Artery Disease; 3) 100% of the Original Face
Amount, less any amount paid for Minor Critical Illness claim, guaranteed cash benefits, if any, and any advances with
interest when you are diagnosed with any of the 64 Major Critical Illnesses or in case of untimely demise.

Treatment - It also covers expenses related to hospitalization and follow-up care with a specialist.

Rehabilitation - It supplements your basic benefits to cover expenses related to home recovery and palliative care.

SUN Fit and Well Advantage also provides a benefit booster that allows you to get additional cash benefit equivalent to 50% of the
Original Face Amount upon first diagnosis of any of the covered specific cancer conditions, and receive 50% more from your
hospitalization, post hospitalization, home recovery and palliative care benefits.

SAVINGS

Limited-Pay Level Premiums – SUN Fit and Well Advantage 15 offers a platform to save early for protection needs
through its guaranteed limited-pay level premiums.

1
Guaranteed Cash Benefits - As early as age 65, SUN Fit and Well Advantage 15 allows you to get in advance 5% of
your policy's Original Face Amount for eight consecutive years.
Note: Guaranteed Anticipated Endowment (AE) payout will start at age 65 or 70 depending on the issue age of the insured.

Special Paid-Up Bonus and Dividend Earnings - As a reward for full payment of your policy, you may receive a Special
Paid-Up Bonus given at the end of the premium-paying period and annual Dividend Earnings afterwards. These extra
benefits are not guaranteed and may vary depending on Sun Life’s performance. You may receive it in cash or leave with
Sun Life to accumulate.
SUN Fit and Well Advantage 15
PRODUCT HIGHLIGHTS
SUPPLEMENTARY BENEFITS
You can add optional riders to supplement your basic plan. This gives you additional protection for
contingencies such as accidental death, disability and illnesses but without paying as much.
Accidental Death Benefit This provides additional benefit in case of the insured's untimely demise due to
accident.
Total Disability Benefit This waives premiums due during total disability of the life insured.
Waiver of Premium on This waives regular premiums becoming due before the attainment of age 21 by
Death of Initial Owner the life insured child or end of premium paying period of base plan, whichever is
earlier, in case of death of initial owner.
Waiver of Premium upon This waives premiums becoming due before the attainment of age 21 by the life
Death or Disability of insured child or end of premium paying period of base plan, whichever is earlier,
Initial Owner during total disability of the initial owner before age 60 or in case of the death of
the initial owner.
Hospital Income Benefit This provides a fixed amount of daily cash benefit in case of the insured’s
hospitalization.

Note: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions
of the insurance policy contract.
 Life Insurance Proposal
In the Philippines, insurance products are being offered through Sun Life of Canada (Philippines), Inc., a member of the Sun Life group of
companies. In this proposal, you and your refer to the policy owner while we, us, our and the Company refer to Sun Life of Canada
(Philippines), Inc.
Proposal Information
On the Life of : CLINT VIDAL Age Last Birthday : 30 (Male)
Currency : Philippine Peso

Basic Plan Original Face Amount Annual Premium

SUN Fit and Well Advantage 15 - Non-Smoker
15 Years Guaranteed Premium Payment Ps 500,000.00 Ps 19,885.00

Supplementary Benefits
Accidental Death Benefit Ps 500,000.00 Ps 755.00
Total Disability Benefit (Waiver of Premium) Ps 455.00
Hospital Income Benefit^^ Ps 2,500.00/ day Ps 4,700.00
Class: Standard Total Annual Premium Ps 25,795.00
^^HIB premium payment terminates at attained age 60.

Please refer to Important Illustration Notes page for more information.

Health insurance products (basic and riders) provide you the right to Cooling-Off Period for 15 days from receipt of
corresponding policy document. If you opted for an electronic policy contract, the right to Cooling-Off period is 20 days from
the date the corresponding policy document was electronically transmitted to you.

While we have made every effort to ensure accuracy, errors and omissions may have occurred in the preparation of this
proposal. For more information on the dividends and the special paid-up bonus, please refer to the Dividend/Special Paid-up
Bonus Information page. Should there be any discrepancy between the statement(s) contained in this proposal and the
insurance policy contract, the provisions of the insurance policy contract will prevail.

Prepared By : TENORIO, RALVI B. Date : 10 April 2024

Branch : JACKFRUIT Attachment : Dividend Accumulation Option

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 (P 15 ; M 30) Page 1 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Important Illustration Notes

The following caveats shall apply to the succeeding pages of this proposal illustration:

(i) The succeeding tables are only summary illustrations of the benefits of your policy. You should refer to your advisor
or the Company for more information or, if appropriate, a more detailed proposal.
(ii) The illustration assumes that all premiums are paid in full when due and you will have no loans/advances on the
policy.
(iii) The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to
rounding differences.
(iv) Special Paid-up Bonus may be allotted only in the first 15 years from date of issue of the policy and shall be
accumulated, credited and available for withdrawal at the end of the 15th policy year.
(v) Dividends may be earned starting from the 16th policy year.
(vi) Anticipated endowment benefits equivalent to 8 annual payments of 5% of the Original Face Amount are payable on
the policy anniversary following the life insured's 65th birthday.
(vii) Under the Summary of Benefits, there are two scenarios illustrated:
(1) Based on current dividend scale/special paid-up bonus scale and current accumulation rate; and
(2) Based on interest rate which is 80 basis points lower than the current interest rate used for computing the annual
dividends/special paid-up bonus and accumulation rate which is 80 basis points lower than the current
accumulation rate.

(viii) You can leave the amount of projected dividends/special paid-up bonus and/or endowment benefits to accumulate
with the Company at an accumulation rate, which will change from time to time. The accumulation rates used to
illustrate the effect of accumulation are currently 4.20% and 3.40% per annum. These rates are not guaranteed.
(ix) The Original Face Amount is the face amount on the date the policy comes into force.
(x) This is a long term insurance product. Inflation over the years may reduce the ability of the policy’s coverage to offset
a potential loss in the future.

The scale of dividends/special paid-up bonus and accumulation rates, however, are likely to change during your policy's
lifetime. As the changes will affect the figures, we prepared this proposal for information purposes only, to demonstrate the
features of the recommended policy. This does not form part of any policy that may be issued. It is neither an estimate nor a
guarantee of the future policy performance.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 2 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Hospital Income Benefit

Once life insured is confined in the Hospital, as a result of Injury or Sickness, on the recommendation of a Physician as an in-
patient, you will receive Ps 2,500.00* as Daily Hospital Income. Such Hospital Confinement must occur before the earlier of
the policy anniversary on or following the life insured's 60th birthday and the maturity date of the policy.
Hospital Confinement due to Sickness must be for a minimum of three (3) days before we pay the Daily Hospital Income
benefit from the first day of hospitalization. If due to Injury, the waiting period will not apply, in which case, we will pay the
benefit beginning on the first day of Hospital Confinement.
We will pay twice the amount of Hospital Income Benefit if: (a) the life insured is confined in the Intensive Care Unit of the
Hospital due to Injury or Sickness; or (b) the Sickness which results in Hospital Confinement of the life insured is classified
as a Dread Disease.
The covered Dread Diseases include only the following:

1. Acute Heart Attack 5. End Stage Renal Disease

9. Poliomyelitis
2. Chronic Liver Disease 6. Invasive Cancer
10. Progressive Muscular Atrophy (PMA)
3. Dissecting Aortic Aneurysm 7. Major Organ Transplant
11. Stroke
4. End Stage Lung Disease 8. Multiple Sclerosis

In case Hospital Confinement simultaneously qualifies the life insured for both Intensive Care and the Dread Disease, we will
pay for only one with the greater benefit amount.
We will pay the benefit during the continuance of the Hospital Confinement up to a maximum of 1,000 days.
If the benefits have become payable and the life insured is again confined to a Hospital due to the same or related Injury or
Sickness, the subsequent period of Hospital Confinement will be considered a continuation of the prior period. Benefits will
commence on the first day of such Hospital Confinement for an Injury or Sickness and the total combined Hospital
Confinement will be subject to the 1,000 days maximum period.
During the first 12 months from the effective date of this benefit or date of last reinstatement, we will provide no benefits for
Hospital Confinement resulting from Injury or Sickness for which the life insured received medical advice or treatment or
medication within 12 months prior to the effective date of this benefit or last reinstatement.
If the life insured has several policies with Hospital Income Benefit with us, the aggregate maximum of daily hospital income
is Ps 10,000.
We will not pay any benefit for Hospital Confinement of the life insured caused by or resulting from any of the following: (a)
attempted suicide or self-inflicted injury while sane or insane; (b) war declared or undeclared, insurrection, riots, civil
commotion or any hostile action of armed forces; (c) abuse of drug or alcohol; (d) committing or attempting to commit a
criminal offense; (e) nervous or mental disorder; (f) pregnancy, childbirth, miscarriage or abortion or complication of any of
these; (g) congenital deformities and defects; (h) routine physical check-up and rest cures; (i) cosmetic or plastic surgery,
except as a result of Injury and recommended by a Physician; and (j) any Human Immunodeficiency Virus (HIV) and/or any
HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivation or variations
thereof.
Note: This benefit automatically renews every year with premiums at issue age rates. We may change the premium rate of
this benefit from time to time but not more than once a year, subject to the approval of the Insurance
Commission. We will advise you by written notice as to new premium rate prior to the renewal year.
The above information is intended as a general summary and for reference only. Please refer to the contract for the
detailed description of the terms, conditions, limitations and exclusions of the above rider.
*The HIB Face Amount will be subject to Financial Underwriting.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 3 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

SUN Fit and Well Advantage 15 is a stand-alone, participating life and critical illness insurance plan with savings and
protection components and provides coverage for death and critical illness until age 100 of the insured. The policy terminates
upon death or claim of a total of 100% of the Original Face Amount resulting from a combination of endowment benefits,
minor and major critical illness conditions and after applicable payment of other benefits involving hospital confinement.

The benefits payable are:

Major Critical Illness - 100% of Original Face Amount if the life insured is diagnosed, while living, to have any
of the 64 major critical illnesses, and where applicable, has undergone any of the
specified surgeries, less any payment made for:
1) any of the minor critical illness; and/or
2) anticipated endowment benefit payouts, if any.
Minor Critical Illness - 20% of Original Face Amount or Ps 1,000,000 whichever is lower, if the life insured is
diagnosed, while living, to have any of the 34 minor critical illnesses, and where
applicable, undergone any of the specified surgeries.
10% of Original Face Amount or Ps 400,000 whichever is lower, if the life insured,
while living, has undergone Angioplasty or other invasive treatment for coronary artery
disease for the first time. This benefit is payable only once.
The life insured may file up to three (3) minor critical illness claim for as long as each
arises from a different group of minor critical illness, provided that if the first two (2)
claims are other than angioplasty or other invasive treatment for coronary artery
disease, the third claim will just be 10% of the Original Face Amount subject to the
limits stated above per minor critical illness claim.
Specific Cancer Booster - 50% of Original Face Amount, in addition to the critical illness benefit, if the life
insured is diagnosed for the first time, while living, to have any of the 16 specific cancer
conditions. This benefit is payable only once.
Death Benefit - 100% of the Original Face Amount upon the death of the life insured less any payment
made for:
1) any of the minor critical illness; and/or
2) anticipated endowment benefit payouts, if any.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 4 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Critical Illness
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 500,000. 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:

Groups Major Critical Illness Minor Critical Illness

1. Acute Heart attack
2. Coronary Artery Bypass Surgery
3. Dissecting Aortic Aneurysm
4. Replacement of heart Valve 1. Cardiac Pacemaker Insertion
5. Surgery for Disease of the Aorta 2. Cardiac Defibrillator Insertion
1. Heart Related (Aorta Surgery)
6. Cardiomyopathy 3. Angioplasty and Other Invasive
Treatment for Coronary Artery Disease
7. Eisenmenger's Syndrome
8. Idiopathic Pulmonary Arterial
Hypertension
9. Severe Infective Endocarditis
4-16. Carcinoma-in-situ of the following sites:
Breast, uterus, fallopian tube, vulva,
vagina, cervix uteri, colon, rectum, penis,
testis, lung, stomach or nasopharynx.
10. Invasive Cancer (13 organs)
2. Cancer Related 17. Early Prostate cancer
11. Cerebral Metastasis
18. Early Thyroid Cancer
19. Early Bladder Cancer
20. Early Ovarian cancer
21. Early Chronic Lymphocytic Leukemia
12. End Stage Liver Failure
3. Liver Related N/A
13. Fulminant Hepatitis
14. Medullary Cystic Disease
15. End Stage Renal Disease 22. Surgical Removal of One Kidney
4. Kidney Related
16. Systemic Lupus Erythematosus 23. Chronic Kidney Disease
(S.L.E.) with Lupus Nephritis
5. Lung Related 17. End Stage Lung Disease 24. Insertion of a Vena-caval filter

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 5 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Groups Major Critical Illness Minor Critical Illness

18. Stroke
19. Alzheimer's Disease
20. Parkinson's Disease
21. Amyotrophic Lateral Sclerosis (ALS)
22. Progressive Bulbar Palsy (PBP)
23. Progressive Muscular Atrophy (PMA)
24. Progressive Supranuclear Palsy
25. Guillain-Barre Syndrome
26. Motor Neuron Disease
27. Multiple sclerosis
25. Cerebral Shunt Insertion
28. Bacterial Meningitis
26. Cerebral Aneurysm Surgery
6. Neurological Related 29. Benign Brain Tumor
27. Moderately Severe Alzheimer's Disease
30. Coma
28. Moderately Severe Parkinson's Disease
31. Major head trauma
32. Brain Surgery
33. Meningeal Tuberculosis
34. Encephalitis
35. Apallic Syndrome
36. Muscular Dystrophy
37. Creutzfeldt-Jacob Disease (CJD)
38. Severe Myasthenia Gravis
39. Paralysis
40. Hemiplegia
41. Severe Crohn's Disease
42. Severe Ulcerative Colitis
7. Gastrointestinal Related N/A
43. Acute Necrohemorrhagic Pancreatitis
44. Chronic Relapsing Pancreatitis
45. Aplastic Anaemia
8. Blood Related N/A
46. Occupational Acquired HIV
47. Deafness
48. Loss of Limbs
49. Total Blindness
50. Loss of Speech
51. Major Burns
52. Major Organ Transplant
53. Terminal Illness
54. Amputation due to Diabetic
Complication
9. Others 55. Elephantiasis N/A
56. Poliomyelitis
57. Severe Rheumatoid Arthritis
58. Ebola
59. Surgery for Idiopathic Scoliosis
60. Necrotizing Fasciitis
61. Loss of Independent Existence
62. Chronic Adrenal Insufficiency
63. Progressive Scleroderma
64. Pheochromocytoma

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 6 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Groups Major Critical Illness Minor Critical Illness

1. Dengue Hemorrhagic Fever (Grades III
and IV)
2. Hemophilia A and Hemophilia B
10. Child conditions N/A 3. Insulin Dependent Diabetes Mellitus
4. Kawasaki Disease
5. Osteogenesis Imperfecta
6. Rheumatic Fever with Valvular Impairment

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.

Specific cancer conditions covered under this benefit are as follows:

Child Specific Cancers Adult Specific Cancers- Male Adult Specific Cancers- Female
1. Lung Cancer
1. Lung Cancer
1. Acute Lymphocytic 2. Liver Cancer
2. Liver Cancer
Leukemia (ALL) 3. Colon Cancer
3. Colon Cancer
2. Burkitt Lymphoma 4. Rectum Cancer
4. Rectum Cancer
3. Retinoblastoma 5. Stomach Cancer
5. Stomach Cancer
4. Pediatric malignant 6. Pancreatic Cancer
brain tumors 6. Pancreatic Cancer
7. Breast Cancer
5. Osteosarcoma 7. Prostate Cancer
8. Cervix Uteri Cancer
8. Testicular Cancer
9. Ovarian Cancer

The diagnosis must occur before the insured's 100th birthday except for some Critical Illnesses where coverage will terminate
earlier.

Coverage for this procedure(s)/ condition(s) is until policy anniversary on or following the life insured's 85th birthday:

Major Critical Illness Minor Critical Illness

a. Alzheimer's Disease a. Angioplasty and Other
b. Parkinson's Disease Invasive Treatment for
c. Apallic Syndrome Coronary Artery Disease
d. Amputation due to Diabetic b. Moderately Severe
Complication Alzheimer's Disease
e. Loss of Independent c. Moderately Severe
Existence Parkinson's Disease

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 7 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Coverage for this procedure(s)/ condition(s) is until policy anniversary on or following the life insured's 17th birthday:

Minor Critical Illness Child Specific Cancers

a. Dengue Hemorrhagic Fever
(Grades III and IV)
a. Acute Lymphocytic Leukemia
b. Hemophilia A and (ALL)
Hemophilia B
b. Burkitt Lymphoma
c. Insulin Dependent Diabetes
Mellitus c. Retinoblastoma
d. Kawasaki Disease d. Pediatric malignant brain
tumors
e. Osteogenesis Imperfecta
e. Osteosarcoma
f. Rheumatic Fever with
Valvular Impairment

In the event that a Major Critical Illness concurs with a Minor Critical Illness and a claim for each is filed, only the claim for
the Major Critical Illness will be processed, and the total amount of benefit payable shall be limited to the Original Face
Amount.

We will not pay for claims arising from any of the following: (a) any Critical Illnesses which are diagnosed within 90 days
from date the policy comes into force or its last reinstatement, whichever is later; (b) pre-existing or recurring critical illnesses
which are diagnosed or for which the life insured contracted or undergone surgery prior to the date the policy comes into
force or date of last reinstatement, whichever is later; (c) congenital abnormalities; (d) Human Immunodeficiency Virus
(HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations,
derivation or variations thereof, except for Occupational Acquired HIV; (e) attempted suicide or self-inflicted injury while
sane or insane; (f) taking or absorbing, accidentally or otherwise, any intoxicating liquor, sedative or poison drug, narcotic or
medicine, except as prescribed by a Doctor; (g) inhaling any gas or fumes, except if the inhalation is accidental AND in the
course of duty; and (h) any illness not specified above.

For purposes of exclusion b) above, pre-existing critical illness means any illness: (a) which existed or was existing; or (b) the
cause of which existed or was existing; or (c) where the life insured had knowledge, received treatment or medical
consultation of the disease; or (d) where any laboratory test or investigation showed the likely presence of the illness; prior to
the date of issue of the policy, or date of last reinstatement, whichever is later.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 8 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Benefits Involving Hospital Confinement

In addition to the critical illness benefits, SUN Fit and Well Advantage 15 provides the following other benefits involving
hospital confinement:

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.
Palliative Care Benefit - 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 - Following hospital discharge and if the life insured is qualified for the Specific Cancer
to Specific Cancer Booster Booster Benefit, we will pay additional 50% of Hospital Income, Post Hospitalization,
Home Recovery, and/or Palliative Care Benefits.
Hospital confinement must be due to major critical illness, minor critical illness or specific cancer condition and must occur
within 90 days following the first diagnosis of the critical illness and / or specific cancer. Such hospital confinement must
occur before the policy anniversary on or following the life insured's 75th birthday.

The life insured must be alive upon discharge from the hospital to become eligible for Post Hospitalization, Home Recovery
and Palliative Care benefits.

Note: Benefits indicated above are subject to the specific guidelines set by the Company and the actual provisions of the
insurance policy contract.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 9 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Illustration of Rider Premiums

Rider Premiums
End of Attained Premiums Total Rider ADB^ TDB* HIB^^
Year Age Paid Premiums
1 31 25,795 5,910 755 455 4,700
2 32 25,795 5,910 755 455 4,700
3 33 25,795 5,910 755 455 4,700
4 34 25,795 5,910 755 455 4,700
5 35 25,795 5,910 755 455 4,700
6 36 25,795 5,910 755 455 4,700
7 37 25,795 5,910 755 455 4,700
8 38 25,795 5,910 755 455 4,700
9 39 25,795 5,910 755 455 4,700
10 40 25,795 5,910 755 455 4,700
11 41 25,795 5,910 755 455 4,700
12 42 25,795 5,910 755 455 4,700
13 43 25,795 5,910 755 455 4,700
14 44 25,795 5,910 755 455 4,700
15 45 25,795 5,910 755 455 4,700
16 46 4,700 4,700 4,700
17 47 4,700 4,700 4,700
18 48 4,700 4,700 4,700
19 49 4,700 4,700 4,700
20 50 4,700 4,700 4,700

25 55 4,700 4,700 4,700

30 60 4,700 4,700 4,700

^ADB premium payment terminates at the earlier of attained age 70 and premium paying period.
*TDB premium payment terminates at the earlier of attained age 60 and premium paying period.
^^HIB premium payment terminates at attained age 60.
The rider/s automatically terminate when the base plan is terminated.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 10 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Summary of Benefits (Accumulated Endowment Benefit)

End Cumulative Guaranteed Guaranteed Scenario 1
of Att Basic Death Cash Current Dividend/Special Paid-up Bonus Scale
Year Age Premiums Benefit Value Accumulation Rate at 4.20%
Paid
Accumulated Illustrative Illustrative Total Total
Endowment Accumulated Accum. Living Death
Benefit Dividend Special Benefit Benefit
Paid-up
Bonus
8 38 159,080 500,000 81,960 81,960 500,000
10 40 198,850 500,000 107,865 107,865 500,000
12 42 238,620 500,000 135,720 135,720 500,000
14 44 278,390 500,000 165,640 165,640 500,000
16 46 298,275 500,000 187,190 5,745 48,405 241,340 554,150
18 48 298,275 500,000 199,125 18,326 52,556 270,007 570,882
20 50 298,275 500,000 211,680 32,477 57,063 301,220 589,540
22 52 298,275 500,000 224,845 48,344 61,957 335,146 610,301
24 54 298,275 500,000 238,505 66,083 67,271 371,859 633,354
30 60 298,275 500,000 281,900 132,249 86,106 500,255 718,355
***
35 65 298,275 475,000 300,785 25,000 204,925 105,773 636,483 810,698
40 70 298,275 350,000 231,145 166,660 288,972 129,931 816,708 935,563
45 75 298,275 300,000 201,035 262,481 383,371 159,606 1,006,493 1,105,458
End Cumulative Guaranteed Guaranteed Scenario 2 Low Dividend/Special Paid-up Bonus Scale
of Att Basic Death Cash Accumulation Rate at 3.40%
Year Age Premiums Benefit Value
Paid Accumulated Illustrative Illustrative Total Total
Endowment Accumulated Accum. Living Death
Benefit Dividend Special Benefit Benefit
Paid-up Bonus
8 38 159,080 500,000 81,960 81,960 500,000
10 40 198,850 500,000 107,865 107,865 500,000
12 42 238,620 500,000 135,720 135,720 500,000
14 44 278,390 500,000 165,640 165,640 500,000
16 46 298,275 500,000 187,190 3,260 26,307 216,757 529,567
18 48 298,275 500,000 199,125 10,321 28,126 237,572 538,447
20 50 298,275 500,000 211,680 18,146 30,071 259,897 548,217
22 52 298,275 500,000 224,845 26,797 32,151 283,793 558,948
24 54 298,275 500,000 238,505 36,335 34,374 309,214 570,709
36 66 298,275 450,000 288,205 50,850 115,503 51,343 505,901 667,696
***
35 65 298,275 475,000 300,785 25,000 107,564 49,654 483,003 657,218
40 70 298,275 350,000 231,145 163,343 147,922 58,689 601,099 719,954
45 75 298,275 300,000 201,035 249,280 190,693 69,369 710,377 809,342
Guaranteed Death Benefit, Guaranteed Cash Value, Dividends and Special Paid-up Bonus will be reduced by any payment of
minor CI benefit.
Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit, Illustrative Accumulated
Dividends and Accumulated Special Paid-up Bonus.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit, Illustrative Accumulated
Dividends and Accumulated Special Paid-up Bonus.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
You should only apply for this product if you intend to pay the regular premium for the whole duration of your chosen
payment term. Should you terminate the policy early, you may suffer a loss as illustrated above.

The figures shown herein are based on assumptions in the accompanying first page of this proposal.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 11 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Benefit Illustration
Accumulated Endowment Benefit
(Dividend and Special Paid-up Bonus Accumulation Option)
Current Dividend/Special Paid-up Bonus Scale
Accumulation Rate At 4.20%

Cumulative
Guaranteed Guaranteed Accumulated Illustrative Illustrative Illustrative Total Total
Basic
Cash Endowment Endowment Cash Accumulated Accum. Special Living Death
Premiums
Dur Value Benefit Benefit Dividend Dividend Paid-up Bonus Benefit Benefit
Paid

1 19,885 500,000
2 39,770 3,590 3,590 500,000
3 59,655 18,300 18,300 500,000
4 79,540 31,635 31,635 500,000
5 99,425 45,465 45,465 500,000
6 119,310 57,835 57,835 500,000
7 139,195 69,685 69,685 500,000
8 159,080 81,960 81,960 500,000
9 178,965 94,675 94,675 500,000
10 198,850 107,865 107,865 500,000
11 218,735 121,545 121,545 500,000
12 238,620 135,720 135,720 500,000
13 258,505 150,415 150,415 500,000
14 278,390 165,640 165,640 500,000
15 298,275 181,425 46,454 227,879 546,454
16 298,275 187,190 5,745 5,745 48,405 241,340 554,150
17 298,275 193,090 5,862 11,848 50,438 255,376 562,286
18 298,275 199,125 5,981 18,326 52,556 270,007 570,882
19 298,275 205,325 6,101 25,196 54,763 285,284 579,959
20 298,275 211,680 6,222 32,477 57,063 301,220 589,540
***
30 298,275 281,900 7,483 132,249 86,106 500,255 718,355
40 298,275 231,145 25,000 166,660 6,067 288,972 129,931 816,708 935,563
50 298,275 212,305 322,431 5,210 498,886 196,060 1,229,682 1,317,377
60 298,275 226,515 486,535 5,422 817,339 295,846 1,826,235 1,899,720
70 298,275 300,000 734,161 5,564 1,300,041 446,420 2,780,622 2,780,622

Guaranteed Cash Value, Dividends and Special Paid-up Bonus will be reduced by any payment of minor CI benefit.
Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit, Illustrative Accumulated
Dividends and Accumulated Special Paid-up Bonus.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit, Illustrative Accumulated
Dividends and Illustrative Accumulated Special Paid-up Bonus.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
You should only apply for this product if you intend to pay the regular premium for the whole duration of your chosen
payment term. Should you terminate the policy early, you may suffer a loss as illustrated above.

The figures shown herein are based on assumptions in the accompanying first page of this proposal.

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 12 of 13
 CLINT VIDAL 30 (Male)
SUN Fit and Well Advantage 15 - Non-Smoker
Face Amount: Ps 500,000.00 Total Annual Premium : Ps 25,795.00

Dividend/Special Paid-up Bonus Information

Dividends
Starting on the 16th policy year, the Company will allot as a dividend once a year that part, if any, of the Company's surplus as may be
distributed to the policy. Dividend Accumulation will apply if no option is elected. The Company on written request will pay the
accumulated dividends if not used for an advance or unpaid premium.
Special Paid-up Bonus
In the first 15 years from the date of issue of the policy, the Company will allot Special Paid-up Bonus once a year that part, if any, of
the Company's surplus as may be distributed to the policy. Special Paid-up Bonus allotted up to the 15th policy year will be
accumulated, credited and available for withdrawal only at the end of the 15th policy year.
No Special Paid-up Bonus will be credited or paid out in the event the policy is terminated within the paying period.
Options
The current dividend/ Special Paid-up Bonus options available are: (1) Cash; or (2) Dividend/ Special Paid-up Bonus Accumulation. We
will not pay any dividend/special paid-up bonus accumulation for the period between the withdrawal date and the previous policy
anniversary.
Dividends and Special Paid-up Bonus are not guaranteed. The Company’s Board of Directors also has the discretion to raise or lower
the Company's dividend/special paid-up bonus scale and there may be instances when the allotment is zero. Please refer to
www.sunlife.com.ph/PH/Insurance/Policyholder+dividend+information for details on the investment strategy, dividend philosophy
and key product risks.

Declaration and Acknowledgement of Variability

I have read and understood the disclosures in this proposal illustration. I likewise signify that my advisor has explained to me the
features of the policy, both guaranteed and non-guaranteed benefits, and the manner in which non-guaranteed benefits are affected by
the Company’s experience.
Further, I acknowledge that:
I have applied with Sun Life of Canada (Philippines), Inc. for a SUN Fit and Well Advantage 15 policy, and have reviewed the
illustration(s) that shows how a life insurance policy performs using the Company's assumptions based on Insurance Commission's
guidelines on accumulation rates.
I understand that only those values described as guaranteed, if any, are guaranteed. All other policy values can change and may
probably be different from those illustrated to me. Actual values may be higher or lower depending on the dividend and special paid-
up bonus rates actually earned.
I understand that dividend and special paid-up bonus rates change from year to year and may have zero allotment in a year since these
are affected by factors such as, but not limited to, the Company's applicable mortality and/or morbidity experience, investment
returns, expenses, taxes, and policyholder persistency experience, and that Sun Life of Canada (Philippines), Inc. will advise me of the
actual amount of the dividend and special paid-up bonus, if any.
I understand that the illustration(s) given to me will not become part of any issued policy, as these are provided only to show how
policy benefits would change over time under a specific set of assumptions.
By requesting a proposal on Sun Life of Canada (Philippines), Inc.'s products and services and by sharing and disclosing my personal
data, I authorize and consent to the use, processing and exchange of information needed to prepare the proposal. In the event I do not
proceed with my insurance application with Sun Life of Canada (Philippines), Inc., my personal data is kept for three years in Sun Life of
Canada (Philippines), Inc.'s data processing systems after which, it will be irreversibly anonymized for the sole purpose of data analytics
and proposal counts report.

CLINT VIDAL
Applicant's Signature over Printed Name Date

This is only an illustration, not a contract of insurance.

PROP.v24.2.00 125841I100420242135274936213 Page 13 of 13