Sun Legacy 1

Make a bright choice with Sun Legacy 1, a traditional whole life insurance product with anticipated endowments, that
primarily helps address your need for:

Sun Legacy 1 lets you enjoy these benefits:

LIFETIME INSURANCE PROTECTION
Secure your loved ones' future with guaranteed life insurance protection equal
to 125% of your Single Premium paid, from day 1 of coverage up until age
100.
LIFETIME GUARANTEED CASH BENEFITS
Receive an annual guaranteed cash benefit equal to 2.25% of the Single
Premium paid, beginning a year after the end of premium payment up until
maturity.
LIVING BENEFITS
Enjoy the accessibility of having a guaranteed cash value that you may use in
case of an emergency via a policy loan. Your plan may also earn non-
guaranteed dividends which you may receive in cash or leave with Sun Life to
accumulate. Meanwhile, a portion of your plan’s Face Amount may also be
availed in advance should you be diagnosed to be terminally ill.
CONVENIENT ONE-TIME PAYMENT
Fully pay your plan in just one easy payment and ensure a lifetime security for
your loved ones' future.
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 (RIDER)

FACE AMOUNT 2,500,000.00 LIVING BENEFIT RIDER (LBR)
LIFE INSURANCE COVERAGE 12,500,000.00
GUARANTEED CASH BENEFIT1 225,000.00
1Cash Benefit is also known as anticipated endowment.

DEATH BENEFIT2 LIVING BENEFIT2

2The values above are computed based on 4.20% dividend accumulation rate which is subject to change and is not guaranteed by Sun
Life. The values are also based on the assumption that guaranteed cash benefits are accumulated.

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 Legacy 1
PRODUCT HIGHLIGHTS
What is Sun Legacy 1?
Sun Legacy 1 is a participating whole life insurance product that provides protection from day 1 of coverage
up to age 100. It offers a continuous stream of income through its guaranteed annual cash benefit, beginning a
year after the end of premium payment up until maturity.

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

How can Sun Legacy 1 meet your financial goals?

Sun Legacy 1 is a protection and savings plan that is designed help you grow and secure the wealth you’ve
built over time and efficiently pass it on to your loved ones through the guaranteed benefits the plan
provides. Other living benefits are also available, giving you easy access to cash when you need it most.

Lifetime Guaranteed Benefits

Starting day 1 up until age 100, Sun Legacy 1 provides you guaranteed life insurance coverage equal to
125% of your Single Premium paid. In addition, you are entitled to receive annual guaranteed cash benefit
equal to 2.25% of the Single Premium paid beginning a year after the end of premium payment. This will
continue as long as the insured is alive until age 100.

Living Benefits
With Sun Legacy 1, you may earn dividends from your plan. The amount of dividends will depend on the
performance of Sun Life and is not guaranteed. You may opt to get these in cash or leave with Sun Life to
accumulate. Access to cash may also come in the form of a policy loan made against your plan’s
guaranteed cash value, which may be useful in case of an emergency.

Meanwhile, the plan’s built-in living benefit rider allows you to take in advance a portion of your Face
Amount should you be diagnosed with a terminal illness. This benefit can help support your financial needs
during such a worrying time.

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 : MARIA HANNAH ISABELLA CARLOS CUA Age Last Birthday : 26 (Female)
For the Decision of : ARCELI CARLOS CUA (Age 69) Currency : Philippine Peso

Basic Plan Face Amount Single Premium

Sun Legacy 1 - Non-Smoker
1 Year Guaranteed Premium Payment Ps 2,500,000.00 Ps 10,000,000.00
(Guaranteed Death Benefit of 125% of Single Premium Paid
equivalent to Ps 12,500,000.00)
Supplementary Benefits
Living Benefit Rider* FREE
Class: Standard Single Premium Ps 10,000,000.00

* Living Benefit Rider - This is a benefit that provides an advance payment of up to 60% of the basic Face Amount,
subject to the prior deduction of any outstanding advances (loans) with interest, if the life insured is diagnosed to be
terminally ill with a life expectancy of 12 months or less. The sum of all Living Benefit Amounts payable on all Sun Life
policies of the life insured shall not exceed Ps. 2 Million. Interest is charged on advances, including the Living Benefit
amount paid, at a specified rate of interest as declared by the Company.

Sun Legacy 1 is a single-pay participating whole life insurance product that provides guaranteed endowment benefit and
coverage for death until age 100. The following benefits are payable under this product:
1. At the policy maturity date, the Maturity Benefit is equal to 125% of the Single Premium, plus accumulated
dividends and accumulated endowment, if any, decreased by any advances with interest.
2. The Death Benefit is equal to the Face Amount plus the Single Premium, plus accumulated dividends and
accumulated endowment, if any, decreased by any advances with interest.
3. Guaranteed endowment benefits equivalent to 2.25% of the Single Premium are payable starting on the 2nd
year and every year thereafter until age 100 while life insured is living.

Please refer to Important Illustration Notes page for more information.

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, please refer to the Dividend 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 : CO, KHATE ANN MARGARETH N. Date : 07 August 2023

Branch : EMPRESS Attachment : Dividend Accumulation Option
This is only an illustration, not a contract of insurance.
7.2 / 6.0 119699O070820231505057317110 Page 1 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

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 major 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) Under the Summary of Benefits, there are two scenarios illustrated:
(1) Based on current dividend 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 and accumulation rate which is 80 basis points lower than the current accumulation rate.

(v) You can leave the amount of projected dividends 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 current
4.20% and 3.40% per annum. These rates are not guaranteed. You can also cash all or part of the amount of
projected dividends without affecting the Face Amount but the values shown in the table will be reduced
accordingly.

(vi) 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 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.

7.2 / 6.0 119699O070820231505057317110 Page 2 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

Summary of Benefits (Accumulated Endowment Benefit)

End Total Guaranteed Guaranteed Scenario 1
of Att Single Death Cash Current Dividend Scale
Year Age Premium Benefit Value Accumulation Rate at 4.20%
Paid
Accumulated Illustrative Total Living Total Death
Endow. Benefit Accum. Benefit Benefit
Dividend
1 27 10,000,000 12,500,000 5,383,125 225,000 70,282 5,678,407 12,795,282
2 28 10,000,000 12,500,000 5,413,075 459,450 213,961 6,086,486 13,173,411
3 29 10,000,000 12,500,000 5,444,300 703,747 364,004 6,512,051 13,567,751
4 30 10,000,000 12,500,000 5,476,825 958,304 520,688 6,955,817 13,978,992
5 31 10,000,000 12,500,000 5,510,775 1,223,553 684,300 7,418,628 14,407,853
6 32 10,000,000 12,500,000 5,546,150 1,499,942 855,142 7,901,234 14,855,084
10 36 10,000,000 12,500,000 5,701,900 2,726,561 1,617,255 10,045,716 16,843,816
14 40 10,000,000 12,500,000 5,880,325 4,172,602 2,522,540 12,575,467 19,195,142
15 41 10,000,000 12,500,000 5,928,500 4,572,852 2,774,203 13,275,555 19,847,055
20 46 10,000,000 12,500,000 6,189,500 6,840,828 4,207,399 17,237,727 23,548,227
***
29 55 10,000,000 12,500,000 6,754,275 12,307,183 7,697,061 26,758,519 32,504,244
34 60 10,000,000 12,500,000 7,112,400 16,341,655 10,293,230 33,747,285 39,134,885
39 65 10,000,000 12,500,000 7,490,625 21,297,586 13,497,241 42,285,452 47,294,827

End Total Guaranteed Guaranteed Scenario 2 Low Dividend Scale

of Att Single Death Cash Accumulation Rate at 3.40%
Year Age Premium Benefit Value
Paid Accumulated Illustrative Total Living Total Death
Endow. Benefit Accum. Benefit Benefit
Dividend
1 27 10,000,000 12,500,000 5,383,125 225,000 30,121 5,638,246 12,755,121
2 28 10,000,000 12,500,000 5,413,075 457,650 91,457 5,962,182 13,049,107
3 29 10,000,000 12,500,000 5,444,300 698,210 155,019 6,297,529 13,353,229
4 30 10,000,000 12,500,000 5,476,825 946,949 220,888 6,644,662 13,667,837
5 31 10,000,000 12,500,000 5,510,775 1,204,146 289,145 7,004,066 13,993,291
6 32 10,000,000 12,500,000 5,546,150 1,470,086 359,876 7,376,112 14,329,962
10 36 10,000,000 12,500,000 5,701,900 2,627,397 669,347 8,998,644 15,796,744
15 41 10,000,000 12,500,000 5,928,500 4,309,623 1,123,334 11,361,457 17,932,957
18 44 10,000,000 12,500,000 6,081,250 5,462,530 1,436,822 12,980,602 19,399,352
20 46 10,000,000 12,500,000 6,189,500 6,297,947 1,664,992 14,152,439 20,462,939
***
29 55 10,000,000 12,500,000 6,754,275 10,832,505 2,915,031 20,501,811 26,247,536
34 60 10,000,000 12,500,000 7,112,400 14,007,731 3,798,993 24,919,124 30,306,724
39 65 10,000,000 12,500,000 7,490,625 17,760,720 4,850,080 30,101,425 35,110,800

Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit and Illustrative Accumulated
Dividends.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit and Illustrative
Accumulated Dividends.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
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.

7.2 / 6.0 119699O070820231505057317110 Page 3 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

Benefit Illustration
Accumulated Endowment Benefit
(Dividend Accumulation Option)
Current Dividend Scale
Accumulation Rate At 4.20%

Total
Guaranteed Guaranteed Accumulated Illustrative Illustrative Total Total
Single
Cash Endowment Endowment Cash Accumulated Living Death
Premium
Dur Value Benefit Benefit Dividend Dividend Benefit Benefit
Paid

1 10,000,000 5,383,125 225,000 225,000 70,282 70,282 5,678,407 12,795,282

2 10,000,000 5,413,075 225,000 459,450 140,727 213,961 6,086,486 13,173,411
3 10,000,000 5,444,300 225,000 703,747 141,057 364,004 6,512,051 13,567,751
4 10,000,000 5,476,825 225,000 958,304 141,396 520,688 6,955,817 13,978,992
5 10,000,000 5,510,775 225,000 1,223,553 141,744 684,300 7,418,628 14,407,853
6 10,000,000 5,546,150 225,000 1,499,942 142,101 855,142 7,901,234 14,855,084
7 10,000,000 5,582,925 225,000 1,787,940 142,468 1,033,525 8,404,390 15,321,465
8 10,000,000 5,621,150 225,000 2,088,033 142,843 1,219,776 8,928,959 15,807,809
9 10,000,000 5,660,825 225,000 2,400,731 143,228 1,414,235 9,475,791 16,314,966
10 10,000,000 5,701,900 225,000 2,726,561 143,622 1,617,255 10,045,716 16,843,816
11 10,000,000 5,744,375 225,000 3,066,077 144,024 1,829,204 10,639,656 17,395,281
12 10,000,000 5,788,275 225,000 3,419,852 144,435 2,050,466 11,258,593 17,970,318
13 10,000,000 5,833,550 225,000 3,788,486 144,854 2,281,439 11,903,475 18,569,925
14 10,000,000 5,880,325 225,000 4,172,602 145,281 2,522,540 12,575,467 19,195,142
15 10,000,000 5,928,500 225,000 4,572,852 145,716 2,774,203 13,275,555 19,847,055
16 10,000,000 5,978,075 225,000 4,989,912 146,159 3,036,879 14,004,866 20,526,791
17 10,000,000 6,029,025 225,000 5,424,488 146,609 3,311,037 14,764,550 21,235,525
18 10,000,000 6,081,250 225,000 5,877,316 147,066 3,597,167 15,555,733 21,974,483
19 10,000,000 6,134,725 225,000 6,349,164 147,530 3,895,777 16,379,666 22,744,941
20 10,000,000 6,189,500 225,000 6,840,828 147,999 4,207,399 17,237,727 23,548,227
21 10,000,000 6,245,650 225,000 7,353,143 148,475 4,532,584 18,131,377 24,385,727
22 10,000,000 6,303,400 225,000 7,886,975 148,958 4,871,911 19,062,286 25,258,886
23 10,000,000 6,363,025 225,000 8,443,228 149,450 5,225,981 20,032,234 26,169,209
24 10,000,000 6,424,475 225,000 9,022,844 149,951 5,595,423 21,042,742 27,118,267
25 10,000,000 6,487,625 225,000 9,626,803 150,461 5,980,892 22,095,320 28,107,695
26 10,000,000 6,552,375 225,000 10,256,129 150,978 6,383,068 23,191,572 29,139,197
27 10,000,000 6,618,500 225,000 10,911,886 151,502 6,802,659 24,333,045 30,214,545
28 10,000,000 6,685,875 225,000 11,595,186 152,031 7,240,402 25,521,463 31,335,588
29 10,000,000 6,754,275 225,000 12,307,183 152,563 7,697,061 26,758,519 32,504,244
30 10,000,000 6,823,600 225,000 13,049,085 153,098 8,173,436 28,046,121 33,722,521
31 10,000,000 6,893,875 225,000 13,822,147 153,635 8,670,356 29,386,378 34,992,503
32 10,000,000 6,965,350 225,000 14,627,677 154,175 9,188,685 30,781,712 36,316,362
33 10,000,000 7,038,250 225,000 15,467,039 154,719 9,729,330 32,234,619 37,696,369
34 10,000,000 7,112,400 225,000 16,341,655 155,268 10,293,230 33,747,285 39,134,885
35 10,000,000 7,187,450 225,000 17,253,004 155,819 10,881,365 35,321,819 40,634,369

Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit and Illustrative Accumulated
Dividends.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit and Illustrative
Accumulated Dividends.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
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.

7.2 / 6.0 119699O070820231505057317110 Page 4 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

Benefit Illustration
Accumulated Endowment Benefit
(Dividend Accumulation Option)
Current Dividend Scale
Accumulation Rate At 4.20%

Total
Guaranteed Guaranteed Accumulated Illustrative Illustrative Total Total
Single
Cash Endowment Endowment Cash Accumulated Living Death
Premium
Dur Value Benefit Benefit Dividend Dividend Benefit Benefit
Paid

36 10,000,000 7,263,000 225,000 18,202,631 156,371 11,494,753 36,960,384 42,197,384

37 10,000,000 7,338,725 225,000 19,192,141 156,920 12,134,453 38,665,319 43,826,594
38 10,000,000 7,414,600 225,000 20,223,211 157,466 12,801,567 40,439,378 45,524,778
39 10,000,000 7,490,625 225,000 21,297,586 158,009 13,497,241 42,285,452 47,294,827
40 10,000,000 7,567,000 225,000 22,417,084 158,548 14,222,674 44,206,758 49,139,758
41 10,000,000 7,643,900 225,000 23,583,602 159,087 14,979,112 46,206,614 51,062,714
42 10,000,000 7,721,525 225,000 24,799,113 159,624 15,767,859 48,288,497 53,066,972
43 10,000,000 7,799,925 225,000 26,065,676 160,162 16,590,272 50,455,873 55,155,948
44 10,000,000 7,879,100 225,000 27,385,434 160,700 17,447,763 52,712,297 57,333,197
45 10,000,000 7,958,750 225,000 28,760,623 161,238 18,341,807 55,061,180 59,602,430
46 10,000,000 8,038,275 225,000 30,193,569 161,772 19,273,935 57,505,779 61,967,504
47 10,000,000 8,117,175 225,000 31,686,699 162,299 20,245,740 60,049,614 64,432,439
48 10,000,000 8,195,650 225,000 33,242,540 162,819 21,258,880 62,697,070 67,001,420
49 10,000,000 8,273,725 225,000 34,863,727 163,332 22,315,085 65,452,537 69,678,812
50 10,000,000 8,351,400 225,000 36,553,003 163,838 23,416,157 68,320,560 72,469,160
51 10,000,000 8,428,425 225,000 38,313,229 164,337 24,563,973 71,305,627 75,377,202
52 10,000,000 8,504,300 225,000 40,147,385 164,827 25,760,486 74,412,171 78,407,871
53 10,000,000 8,578,450 225,000 42,058,575 165,303 27,007,730 77,644,755 81,566,305
54 10,000,000 8,650,650 225,000 44,050,035 165,765 28,307,820 81,008,505 84,857,855
55 10,000,000 8,720,575 225,000 46,125,137 166,211 29,662,959 84,508,671 88,288,096
56 10,000,000 8,788,275 225,000 48,287,393 166,640 31,075,443 88,151,111 91,862,836
57 10,000,000 8,854,025 225,000 50,540,463 167,053 32,547,665 91,942,153 95,588,128
58 10,000,000 8,917,850 225,000 52,888,162 167,452 34,082,119 95,888,131 99,470,281
59 10,000,000 8,979,550 225,000 55,334,465 167,837 35,681,405 99,995,420 103,515,870
60 10,000,000 9,038,825 225,000 57,883,513 168,205 37,348,229 104,270,567 107,731,742
61 10,000,000 9,095,625 225,000 60,539,620 168,557 39,085,411 108,720,656 112,125,031
62 10,000,000 9,150,025 225,000 63,307,284 168,892 40,895,890 113,353,199 116,703,174
63 10,000,000 9,202,425 225,000 66,191,190 169,213 42,782,730 118,176,345 121,473,920
64 10,000,000 9,253,550 225,000 69,196,220 169,522 44,749,127 123,198,897 126,445,347
65 10,000,000 9,305,025 225,000 72,327,462 169,827 46,798,417 128,430,904 131,625,879
66 10,000,000 9,356,600 225,000 75,590,215 170,131 48,934,082 133,880,897 137,024,297
67 10,000,000 9,409,725 225,000 78,990,004 170,439 51,159,752 139,559,481 142,649,756
68 10,000,000 9,465,025 225,000 82,532,584 170,756 53,479,217 145,476,826 148,511,801
69 10,000,000 9,523,375 225,000 86,223,953 171,085 55,896,429 151,643,757 154,620,382
70 10,000,000 9,585,575 225,000 90,070,359 171,432 58,415,511 158,071,445 160,985,870

Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit and Illustrative Accumulated
Dividends.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit and Illustrative
Accumulated Dividends.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
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.

7.2 / 6.0 119699O070820231505057317110 Page 5 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

Benefit Illustration
Accumulated Endowment Benefit
(Dividend Accumulation Option)
Current Dividend Scale
Accumulation Rate At 4.20%

Total
Guaranteed Guaranteed Accumulated Illustrative Illustrative Total Total
Single
Cash Endowment Endowment Cash Accumulated Living Death
Premium
Dur Value Benefit Benefit Dividend Dividend Benefit Benefit
Paid

71 10,000,000 10,254,925 225,000 94,078,314 171,799 61,040,762 165,374,001 167,619,076

72 10,000,000 10,937,400 225,000 98,254,603 172,186 63,776,660 172,968,663 174,531,263
73 10,000,000 11,645,150 225,000 102,606,296 172,621 66,627,900 180,879,346 181,734,196
74 10,000,000 12,500,000 225,000 107,140,761 175,503 69,601,776 189,242,537 189,242,537

Total Living Benefit is the sum of Guaranteed Cash Value, Accumulated Endowment Benefit and Illustrative Accumulated
Dividends.
Total Death Benefit is the sum of Guaranteed Death Benefit, Accumulated Endowment Benefit and Illustrative
Accumulated Dividends.
The Accumulated Endowment Benefit will be payable in accordance with the hierarchy of beneficiaries as stated in the
contract.
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.

7.2 / 6.0 119699O070820231505057317110 Page 6 of 7
MARIA HANNAH ISABELLA CARLOS CUA 26 (Female)
Sun Legacy 1 - Non-Smoker
Face Amount: Ps 2,500,000.00 Total Single Premium : Ps 10,000,000.00

Dividend Information
Dividends
Sun Life Philippines will allot as a dividend once a year that part, if any, of Sun Life Philippines' surplus as may be distributed to
the policy except when the policy is being continued as paid-up term insurance. 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.
Dividends are not guaranteed. The Company’s Board of Directors also has the discretion to raise or lower the Company's dividend
scale and there may be instances when the allotment is zero. For details on the investment strategy, dividend philosophy and key
product risks, please refer to www.sunlife.com.ph/PH/Insurance/Policyholder+dividend+information.
Options
You have a choice of several dividend options depending on your chosen participating product. You may change the policy's
dividend option anytime upon request. The current dividend options available are:
1. Dividend Accumulation
Dividends left with the Company accumulate at the rate we declare. We will not pay any dividend accumulation for the
period between the withdrawal date and the previous policy anniversary.
2. Cash
Dividends are paid yearly to you in cash.

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 Legacy 1 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 rates
actually earned.
I understand that dividend 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, 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 forthe
sole purpose of data analytics and proposal counts report.

ARCELI CUA
Applicant's Signature over Printed Name Date

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

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