Sun Maxilink Prime – Insurance with Investment

April 9, 2011 | By Garry De Castro | Filed in: Insurance, Sun Life Products, VUL Plans.

Just want to share one of the best value for money insurance product of Sun Life Financials – Sun Maxilink Prime. This is the Life Insurance I got for me, my wife and my son Jacob Benedict.

The good thing about this sun life insurance product is that part of your payment pays for the insurance and part is invested in a mutual fund like investment.  So your family / dependents are protected in case of dying too young (wag naman sana) and at the same time, you can also benefit if you live too long (for retirement).  Ika  nga, walang tapon, walang sayang.

[How much Life Insurance coverage do you really need?]

Sun Maxilink Prime is actually a VUL (Variable Unit-Linked ) Insurance. To better understand what a VUL is, check this video of Pesos and Sense.




Sun Life's Sun Maxilink Prime

James Yap is the endorser of Sun Life Maxilink Prime

Here’s the exact words from Sun Life Financial website.

Sun MaxiLink Prime

The Sun MaxiLink Prime is a peso denominated variable life insurance plan (VUL) that provides financial protection PLUS a potential source of savings that can fund future needs like retirement income through its investment earnings. There are 5 funds to choose from where your premium payments will be invested in. These funds are managed actively and prudently by our top-notch investment professionals.

Sun MaxiLink Prime is payable for at least 10 years*

* The premium paying period is not guaranteed. You may be required to pay additional premiums after 10 years if the fund value is insufficient to pay charges. (cases like consecutive years of bad economic situation, delayed payments and skipped payments)


Here’s my realization why I had to get a life insurance. Why it’s a must for every breadwinner –

Being the head of my family, I have lots of dreams for my son Jacob. I want him to be successful in any field he chooses later on. But what if I Die Too Young. Those dreams will die with me. So the idea of life insurance is that, it can replace my income. So in essence, even if I die, that dream can still live on with my insurance benefits. It can be used by my wife to support for both of them and Jacob’s education also.

If I had known this product earlier (way back when I was still single), I would have gotten it already. Imagine if I was able to get this at age 24 or 25, I would only need to pay 3 years and it’s already fully paid.

How Much is Sun Maxilink Prime?

The cost of Sun Maxilink Prime greatly depends on your desired insurance coverage and your current age. Normally, the quotation will reflect Benefit Amount. The death benefit is actually 200% of the benefit amount so for a P350,000 benefit amount, the insurance coverage is P700,000.

The minimum available plan for Sun Maxilink Prime is P350,000 benefit amount or an insurance coverage is P700,000. Meaning, in case of death of the insured, P700,000 will be the amount your beneficiaries will receive. How much is that? For a 20 year old male non smoker, that’s around P19,000 per year or something like P1,600 per month. For a 30 year old male, around P21,000- P22,000 per year or P1,800 per month.

Most likely, you’d want a bigger insurance coverage especially if you’re the breadwinner of the family or you have people depending on your income. Say you want a P2 Million insurance coverage, how much will that be?

Male 30 years old, non smoker with an insurance coverage of P2 Million – around P60,000 per year or P5,000 per month.

Female 30 years old, non smoker – around P55,000 per year or P4,600 per month.

Sun Maxilink Prime Rates

Sun Maxilink Prime Rates

* based on special rate for non-smokers, with riders Accidental Death Benefit and Total Disability Benefit, rounded off to the nearest thousand.

Sun Maxilink Prime Sample Proposal

Here’s an actual proposal for myself when I got the plan – (this is actually my 3rd insurance plan at the time I got it)

Update – my total life insurance coverage as of Dec 2013 is already 4.5 Million. Is it enough?
Check this article
 Is Your Life Insurance Coverage Enough?


Garry, 30 years old, Male, non-smoker

 My Investment

  • P32,000 a year (P2,667 per month) for 10 years or a total of P320,000

Insurance Benefit

  • P1Million Insurance coverage will be received by my beneficiaries (death coverage is 200% of the face/benefit amount)
  • P1.5Million in total in case of Accidental Death (additional P500,000) – (ADB Rider)
  • Waiver of payment in case of Total Disablement (TDB rider)
  • P1,000 per day Hospital Income  (HIB Rider) for a minimum of 3 days confinement

Living Benefit at 10% per annum assumption – (money you can withdraw  after certain years)

  • After 10 years – P357k
  • or After 20 years – P892k
  • or After 35 years (age 65) – P3.58Million 


Other optional rider (depends on which country you’re working)

  • Accidental Death, Dismemberment and Disablement (payment up to 100% of face amount in case of loss of certain body parts like hand, foot, finger, eyesight etc)
  • Waiver of Premium upon death of initial owner (if the life insured is a child)
  • Waiver of Premium upon death or disability of initial owner (if the life insured is a child)

Basically, there’s nothing to lose.  I will be required to pay for 10 years so my total contribution is P320k in 10 years. During those time, in any case I die (wag naman sana agad), my family will instantly get P1Million. So it’s like I’m buying P1Million with P320,00 on an installment basis for 30 years. How good can it get, right?

And if I live too long, (grow old up to age 75-80 hopefully), I can then enjoy the fund value of more than P3.58Million (projection at age 65 10%). Not bad di ba?

Also, in case of emergencies, I am allowed to make partial withdrawal on the fund value without any interest or whatsoever. It’s my money anyway. As long as the fund value does not equal to zero, the insurance is still in-forced.

The one I showed above is only for 1 Million death coverage – P32,000 a year or P2,667 per month.

For a 1.5 Million death coverage, payment (premium) is at P48,000 a year or P4,000 per month.

For a 2 Million death coverage, payment (premium) is at P64,000 a year or P5,334 per month.

For a 3 Million death coverage, payment (premium) is at P96,000 a year or P8,000 per month.

For a 4 Million death coverage, payment (premium) is at P128,000 a year or P10,667 per month.

The best part of it – you don’t have to die to benefit from it. Even while living, you can get to withdraw the fund value at a rate better than what our banks are giving us.


Ikaw ba insured na? Get a sample proposal if you don’t have any form of insurance yet. Aside from wealth accumulation feature, getting an insurance is one of the many ways of showing how we truly love and care for our family.


Sun Maxilink Prime

Check your age should you want to know how much you need to pay

Want a FREE proposal based on your age and profile? Simply fill up the form below. Note: One must be in the Philippines at the time of application.

Garry De Castro – Sun Life Financial Advisor  (Manila / Makati / Bulacan / Bataan / Pampanga / Cavite / Laguna ).

In case you’re outside my jurisdiction, I’ll refer you to a trusted Sun Life advisor in your area say you’re in the Visayas or Mindanao area.

Mobile – +63922 897 8077 / +63 916 414 7400
Viber – +63916 414 7400
Email – /

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Garry Zaldy de Castro is an advocate, Financial Advisor, Certified Investment Solicitor (Mutual Fund Representative), blogger, IT practitioner, husband to Aileen and a dad to Jacob and JohnD. He started Financial Planning Philippines in 2008 just to share his financial learning to friends, relatives and anyone who wishes to be financially independent.

Is it Good or Not? Please let me know what you think :D

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89 comments on “Sun Maxilink Prime – Insurance with Investment

  1. avatar Leigh Johanna says:

    What is the best way to contact you about this? call, text, email, chat?

  2. avatar peejay says:

    good day! just want to inquire about this product. Paul John A. Gracilla, Smoker, 29 this coming July.

  3. […] this solution, we can use a VUL product Sun Maxilink Prime (10 years paying period) or Sun Maxilink Bright (5 years paying period). Both plan is an insurance […]

  4. avatar Jonathan says:

    Hi. Sounds interesting.  I’m from Angeles City and wanted to learn more about it. Do you have people who can walk me thru the different options of having life insurance and MF.
    Email me on

  5. […] death will surely come. We just don’t know when and how. Get a Life Insurance now. Check Sun Maxilink Prime – Insurance with Investment – and get a FREE Quote. You might also want to read these:Video on Financial PlanningTop 15 Philippines' Richest People as […]

  6. avatar Grace Cabrales says:

     it’s great, wanna ask for an insurance quotation

    • Hi Grace, just sent you an email. Please send me your birth date, are you smoker or not, and your target monthly contribution or target insurance coverage (any of the two).

      Happy Investing!  

  7. avatar Grace Cabrales says:

     it’s great, wanna ask for an insurance quotation

  8. avatar Guest says:

    hi garry pasend naman proposal. Non-smoker, 23 yrs old, March 30.

  9. avatar guest says:

    ako rin paki send and proposal/// age 33 female non smoker   need ko yung  quotation para sa maxilink…    pls need ko na mag decide kailangan ko ng proposal

  10. avatar guest says:

    33female non smoker april 8 78 birthday ko

  11. avatar dame says:

    24 female december 22 1986 non smoker.. paki send na lng po proposal

  12. avatar guest says:

    Hi Garry,

    Good day! Can you send me a proposal? Non-smoker, 24 yrs.old, June18. thanks.

  13. […] & Match Insurance with Investments + Mutual funds.With this solution, we can use a VUL product Sun Maxilink Prime (10 years paying period) or Sun Maxilink Bright (5 years paying period). Both plan is an insurance […]

  14. avatar dianne says:

    hi sir, may i also have a copy of a proposal. i’m 23 yrs. old female non-smoker. kindly email at thanks.

  15. avatar Jaymel_jhanna says:

    hi sir, can you send me the proposal im 31 yrs old,… non smoker

  16. […] a little bit easier to handle. With that amount, it will only cover 1 kid if we get any of Sun Maxilink Prime – Insurance with Investment Plan. So this will be a little manual investing, please bear with […]

  17. […] simply Sun Flexilink was introduced first. It was 2004 when Sun Flexilink was born as compared to Sun Maxilink Prime which was introduced only last year […]

  18. avatar Swit_squiggle says:

    send me 25y.o. female non smoker to

  19. avatar Maan antonio says:

    send me proposal please
    36 years old male non smoker ofw maanantonio@yahoo:disqus .com
    im also interested in investing in mutual funds

  20. […] done lately, one person asks. “Aside from Variable Unit Linked (VUL) Insurance (referring to Sun Maxilink Prime), what limited, guaranteed pay insurance of Sun Life can you recommend? I want the ones that give […]

  21. avatar Shiela Cueno says:

    Name: Shiela CuenoAge: 22Gender: femaleContact Number: 09228591807Smoker/non smoker: non smoker

  22. avatar Earljack35 says:

    Sun MaxiLink Prime

  23. avatar Earljack35 says:

    Hi Garry,
    I’m interested with this Sun MaxiLink Prime too.
    I’m 31y/o,Male,married with 1daughter.cp#09166453117,non-smoker. TIA.

  24. […] Part of your payment pays for the insurance part, and part of it goes to investment part. [Example of that is Sun Maxilink Prime –] […]

  25. avatar Sweety4chuby says:

    Hi Garry,

    Im interested for the Maxilink, could you please send me more information about it? thanks

  26. avatar Mathetet says:

    hi, sir i’m interested, please send me the Sunlife maxilink proposal
    30 yrs old female, non smoker, single, 0932-561-4411

  27. avatar Katrin benas says:

    hi sir garry,
    s sent you an email.
    – katrin b.

  28. […] or Variable Unit Linked Insurance / Variable Universal Life. Example of regular pay VUL plans are Sun Maxilink Prime and Sun Flexilink – usually 10 year to pay […]

  29. avatar Myhoney5480 says:

    hi garry!
    pls. send me a proposal
    31 yrs. old single female, non-smoker

  30. […] from my Sun Maxilink Prime (VUL insurance), I also got Sun Life Assure for me and my wife. I believe this is the best term […]

  31. […] VUL Insurance – Sun Maxilink Prime – for just P1,500.00 a month, you can have insurance with investment plan […]

  32. […] death will surely come. We just don’t know when and how. Get a Life Insurance now. Check Sun Maxilink Prime – Insurance with Investment – and get a FREE Quote. You might also want to read these:All About Financial Planning is Back on TrackHow a Taxi Driver […]

  33. […] Sun Maxilink Prime – VUL Insurance for Retirement […]

  34. avatar Danielle says:

    Hello Garry,

    How can the face amount be P500K when you will just pay P250K in the span of 10 years (P250K/120months=P2083.33 per month)? I don’t quite get the definition of face amount given that. In your Peso Provider post, the face amount of P500K would have to pay P8,468.00 per month, which means a total payment of P1,016,160 in ten years (P8,468x120months).

    P250K (Maxilink Prime) is waaaay cheaper for a P500K face value plan over P1,016,160.00 (Peso Provider 10). Too good to be true?

    • Hi Danielle, sorry for the misconception. I should probably post a Glossary of Insurance terms for a better understanding.

      When we say Face Amount or Face Value, usually it means Death Benefit. Altho some plans like Maxilink Prime where the Death Benefit is double (times 2) the face amount. That’s why the face amount of P500k will give a death benefit of P1Million.

      You must have mixed the Face Amount with Cash Value or Fund Value. Cash value/fund value is the cash benefit that one may withdraw at certain time. In the example I showed above, at age 65. Altho at any time in case of emergencies, you may partially withdraw from your policy.

      • avatar Eeson_02_polgas says:

        I just noticed sir garry, how come your annual payment is P30,000 per year yet your total contribution after 10 years of paying will be just P250K? shouldn’t it be P300K? Is there any way can one can minimize his total payment and still get the same benefit in the end, just like this one? ..parang discount ang dating. Godbless!

  35. avatar Richard says:

    Hi Garry,
    I found your site interesting. Actually looking for a trustworthy insurance advisor.
    Please send me a qoute for Maxilink Prime (
    27 y/o
    Definitely non-smoker
    I.T. Pro
    Thanks a lot!

  36. avatar Richard says:

    Please send me 350K and 500K face amount proposal.

    Many thanks!

  37. avatar Leslie says:

    Hi Garry,

    Can you send me a proposal for Maxilink prime @ katie_leslie29@yahoo:disqus .com?

    28yrs old

    I’m also interested with Mutual fund.  Can you also send me more details about Sunlife’s mutual fund?

    Thanks in advance.

  38. avatar Paul says:

    Mr. Garry,

    Please send a FA 500K proposal for me & my wife on my email add(

    28 y/o – 25 y/o(wife)

    Thanks in advance!!

  39. […] some of your 13th month pay today. Be it on mutual funds, insurance, vul or […]

  40. […] – Sun Maxilink Prime – […]

  41. avatar Israel_nombrado says:

    Good day Garry
    Please send me a FA 500K proposal at israel_nombrado@yahoo:disqus .com. I’m 35 yrs old, male, single, non-smoker. Great and helpful article by the way. Thank you in advance.

  42. avatar Engrnel_17 says:

    Hi Garry,

    Please send me a proposal FA 500k @ and pls consider smoker and non-smoker.
    32 yrs.old

    Thank you in advance.

  43. avatar Jerwin says:

    Hi Garry,
    Please send me a proposal, I am an OFW, 36 years old, male, married with 2 kids and non smoker. Email:

    Send me also an information for Sunlife Mutual Fund
    Thanks in advance.

  44. avatar Andsin08 says:

    can you send me an article about the proposed financial plan for the sustainability of a one community?

  45. Hi all!

    I’m mark, 22 years old….i just purchased my maxilink prime yesterday with annual payment of 20k for 10 years…. 

    actually my 1st plan is to open a mutual fund investment so i can have a passive income while working. Kaso, my financial planner who works at sun life and also my college batchmate offered me this product maxi link prime.  I can say na maganda tong new product ng sun life since it is a combination of insurance and mutual fund-like investment. As you invest for your future,  you can make your money work for you by means of fluctuating VULP (research confirms that prices go up overtime as long as you hold your investments for a long period of time) and at the same time you are covered by the insurance feature of the product. 

  46. avatar rhick99 says:

    Hi sir. garry, can u send me a proposal? I am 32 yrs old, married, 1 kid, non smoker, bday is January 10,1980, monthly budget is 5000 a month.thank you sir.

  47. avatar Bobby says:

    Hi Garry,

    Please send me a proposal  I want to invest in mutual fund. I am 40 years old next year in October. I have  2 kids. I smokes very seldom. 5 thousand initial/starting and 1 to 5 k monthly. Thanks. 

  48. avatar Kaskmask says:

    Hi Garry,

    Please send me a proposal, I am an OFW, 34 years old, male.married, non-smoker
    Inbox me at @

     Thanks a lot!

  49. avatar juliet ilao says:

    can you compute kc ang kaya ko lang eh 2tw per month but I’m already 53 yrs old pwede pa ba

  50. […] the explanation. The illustration is for a 25 year old female, non smoker for the plan Sun Maxilink Prime – minimum of 10 years payment, invested 100% in Balanced Fund projected at 8% interest per […]

  51. […] case you’re the breadwinner and you have dependents, you might want to check Insurance with Investments plan – Sun Maxilink […]

  52. […] extra cash – on top of my current investments. And this could have paid for my insurance policy, retirement plan or I could have invested the money in mutual funds and by now, it could be earning […]

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