Sun Maxilink Prime: Life Insurance With Investment Plan For You

Sun Maxilink Prime combines life insurance and investment.

Last 2012, my grandfather Tatang was called by the Lord. It was both a hurtful and healing experience: hurtful because we miss him every day; and healing, because he isn’t suffering anymore and he’s now at peace at the arms of the Lord. He is now serving as one of heaven’s mighty soldiers. 🙂

Needless to say, this experience changed my life. It made me ask difficult questions such as:

  • Since I’m one of the breadwinners, what happens to my family if I pass away?
  • If I get a plan, will it have life insurance only? What if I want to invest for my retirement at the same time?
  • How much do I have to set aside for my plan?

At that time, I was only 21 years old. I wasn’t earning much when I was younger.

But I still wanted to get a plan, so that if ever something happens to me, my family is taken cared of financially. At the same time, if I’m okay and healthy, I have a sizable retirement fund waiting for me when I finally stop working.

I spent countless hours researching for a plan that would fit my financial goal.

Then, I encountered Sun Life’s VUL plan, Sun Maxilink Prime, and it’s helped improve my financial life ever since.

(In my other article, I already defined what a VUL is. I wanted to give you a more specific explanation related to Sun Maxilink Prime plan, so this is our focus for this article.) 

VUL = Variable Unit-Linked Plan

VUL = life insurance + investment plan

A VUL like Sun Maxilink Prime answers all my questions. If I get this plan:

  • My family receives a lump sum benefit that they can use for my final expenses and for their daily living
  • It has life insurance AND investment, so my family is protected, and my retirement fund is growing
  • The investment amount is affordable and easy to start


You can get your own minimum Sun Maxilink Prime by setting aside at least P2,000/month. 

Here’s James Yap to show you the affordable rates:

sun maxilink prime



sun life insurance

Here’s what my Sun Maxilink Prime proposal looked like, when I finally got a plan at age 22.  When I got my plan, I actually opened the one with higher investment at P48,000/yr. I invested P48,000 (yearly) because I had savings that I allotted for the plan, but for a more affordable one, here’s also a sample plan that I considered:

For Lianne Laroya, female, 22 years old, nonsmoker: 

Yearly Investment: P30,000/yr

Semi-annual: P15,000/every 6 months

Quarterly: P7,500/every 3 months

Monthly: P2,500/month

Daily: P83/day only (the price of 1-pc Chicken Joy with drink!) 

sun life insurance

*The sample proposal was based on my gender, age and smoking status.

When you get your own plan, you can invest quarterly, semi-annually or yearly. Depending on your budget, the most recommended mode is yearly so that your money is invested in advance, so you have higher potential of having more value for your money.

If you can invest semi-annual or quarterly, you can start with your plan too.



1. Life Insurance Coverage: When I pass away, my family will receive P1 Million from Sun Life because of my Sun Maxilink Prime plan.

2. Total Disability Benefit: If I become totally disabled, my Sun Maxilink Prime plan is considered as already fully paid.

3. Accidental Death Benefit: My family gets additional P500,000 if my cause of death is an accident.

4. Critical Illness Benefit: We have cancer history in our family, so I added this benefit. If I’m diagnosed with any of the 36 specified illnesses like acute heart attack, stroke, coma, invasive cancer, kidney failure, total blindness or other critical illnesses, I’ll receive P500,000 so I can use it for my treatment.

Kung tutuusin, masyado pa ngang kulang ang P500,000 benefit, based on this info: 


BUT STILL, receiving P500,000 as a benefit in your plan for treatment is better than withdrawing P500,000 from your existing savings just to pay for your treatment, right?

5. Hospital Income Benefit: I can reimburse P1,500/day which is my daily “income” when I get confined at the hospital. When you get confined at the hospital, you don’t have income because you don’t work. But because of this benefit, I still have “allowance” even if I’m hospitalized.

Maximum days is 1,000 days of confinement X 1,500/day = P1.5 MILLION hospital “income”

6. Investment Fund for Retirement: I started this plan at age 22, because I wanted more time for my money to grow. When I retire at age 65, my life partner and I will have enough money to:

– eat food three times a day;

– pay for our Meralco, water, Internet, and other utility bills;

– pay for our regular checkups and if ever, maintenance medicines;

– go on a cruise ship!

– buy snacks while watching (free) movies at cinemas 🙂 among others


Retirement Fund Value in the Future: 

Personally, I wanted to get Sun Maxilink Prime because the money I’m “paying” is already invested in the stock fund and managed by Sun Life’s professional fund managers. 

And imagine, you’ll only invest for 10 years, and after this, you’ll let your money grow because the competent & experienced fund managers will handle them for you. This is helpful to you, especially if you’re a beginner investing.

Can Sun Maxilink Prime help you retire as a millionaire?

Assuming I invested P30,000/year for the plan’s life insurance & investment benefit, and I did this for 10 YEARS ONLY, the total investment is P300,000, correct?

P300,000 is projected to reach:

3,545,082 (8% fund performance)

7,305,888 (10% fund performance)

The average annual return varies.

Last 2016, Sun Life VUL Equity Fund’s performance averaged at 13.27%!

Does 7.3 MILLION pesos sound okay with you? 🙂 If you want a higher projected retirement fund, you can have it, as long as you increase your budget for your Sun Maxilink Prime plan also.

You’ll just invest 30,000 yearly for 10 years, let your money grow and be invested professionally, and you can get a million pesos by the time you retire at age 65. With your Sun Maxilink Prime plan, you take care of your own retirement fund in the future.

Do something today that your future self will thank you for.


Here are 5 reasons why Sun Maxilink Prime is a top-selling VUL plan of Sun Life:

P: Protect your family 

If you’re the breadwinner, your family depends on your income for their daily needs.

If you pass away, your income stops.

What will happen to your family if you pass away and your income stops?

sun maxilink prime

If you don’t have life insurance, the family you leave behind may borrow money or find work just so they can survive. 

But because you have Sun Maxilink Prime, your family/beneficiaries will receive a lump sum benefit if ever something happens to you.


R: Reasonable Cost 

Since your payment for Sun Maxilink Prime is affordable, you can start it while you’re still young:

sun maxilink prime

Yes, you can start your plan for as low as P2,000 monthly.

I: Insurance + Investment = VUL 

While you’re paying for life insurance, you’re also investing your money for your retirement at the same time. It’s like a 2-in-1 plan. Check out Pesos and Sense’s Sir Aya Laraya’s easy to understand explanation here:

M: Medical-related Treatments 

Sun Maxilink Prime isn’t just life insurance and investment. If you want, you can attach benefits like Hospital Income Benefit and Critical Illness Benefit. This is important for you, especially if your family has history of medical illnesses like cancer, stroke, heart attack, kidney failure – or if you’re exposed to a lot of stress.


E: Educational Fund Investment

You can also use Sun Maxilink Prime to prepare for your child’s college fund in the future, or graduation gift fund, as long as your child is less than 10 years old.

sun maxilink prime

Yes, maybe you’re investing at the stock market or at mutual funds already, but what if you don’t have life insurance YET?

There are two problems.
 – “If you die tomorrow, will your savings and investments be enough to continue your child’s education?”
No? Then consider life insurance as your safety net while you’re preparing for your child’s education fund.
– “If you die tomorrow, and your child needs the education fund as soon as possible, can your dependents redeem the money as quickly and as conveniently as possible?”

No? If you pass away without any life insurance, your immediate family cannot get your investment agad-agad. They have to submit necessary documents AND pay estate tax first.

Sun Maxilink Prime is the best-selling plan of Sun Life. Request a personalized proposal just for you. Text/call me at 0906-243-5059 (Viber/Mobile) or email me at You can also message me on Facebook at

Frequently Asked Questions:

1. Lianne, OFW ako. Is this plan okay for me?

If your goal is to protect your family financially and invest your money at the same time, then yes! While you’re abroad, you can contact me so we can talk via email/Viber about what you’d like to include in your plan. And then when you have your vacation here in the Philippines, you can sign your documents and be interviewed by your trusted financial advisor. 

2. Do we need to meet, after you send me my proposal?

It’s like this. Imagine you were talking to a doctor. You emailed the doctor, “Doc, here are my symptoms. Based on my symptoms & medical history, please email me the best medicine & treatment I need to take.”

So then your doctor emails you with a list of the best medicines to take and treatments to undergo.

But you don’t have any idea what they mean and what you should do, because you’re not familiar with medical terms! So it’s better to meet the doctor personally, right? This way, you can ask more questions and understand it easier.

It’s the same thing with financial planning. 

Yes, you filled out that form to request your free proposal.

But the form’s going to contain financial terms that you may not be familiar with – unless, your financial advisor explains them to you in simple and easier to understand terms. It’s also easier to meet, so that you can ask me questions and we can address all of your concerns, don’t you think?

3. Lianne, I’d like to meet you, but I’m busy/I’m too far away. 

– The friends/clients I serve are based in Metro Manila, Laguna, Tagaytay, Batangas, Pampanga, Bulacan, Pangasinan, Tarlac and Rizal. (If you’re not based in these areas, you’ll be referred to my trusted partner financial advisors near you, so don’t worry.)

–  Since I’m a full-time financial advisor, my calendar consists of client meetings, so if you arrange to meet with me, I’m available to meet you. To date, my latest client meeting done was at 9 PM, but if you’re only free around 10 PM, then why not? 🙂 Let’s meet! 


About Lianne Martha M. Laroya

Hi! Thank you for dropping by and visiting I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at or email me at My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via or text/call her via 0906-243-5059 via mobile/Viber.