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  • Sunlife Proposal Bianca Osera

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    Bianca Joy Osera
    53 vizualizări2 pagini
    The document is a proposal from an insurance agent for Bianca Osera, a 30-year-old non-smoking female. It presents two product solutions: Product Solution 1 includes a Sun MaxiLink Prime policy with $350,000 life coverage, total disability, accidental death, and critical illness benefits. The annual premium would be $20,000 invested over 10 years. The projected fund value after 10, 15, and 20 years is provided. Product Solution 2 includes a larger Sun MaxiLink Prime policy with $500,000 life coverage, same additional benefits, and a higher annual premium of $28,000 invested over 10 years. The projected fund values after 10, 15,

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    Sunlife Proposal Bianca Osera (1)

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    The document is a proposal from an insurance agent for Bianca Osera, a 30-year-old non-smoking female. It presents two product solutions: Product Solution 1 includes a Sun MaxiLink Prime policy with $350,000 life coverage, total disability, accidental death, and critical illness benefits. The annual premium would be $20,000 invested over 10 years. The projected fund value after 10, 15, and 20 years is provided. Product Solution 2 includes a larger Sun MaxiLink Prime policy with $500,000 life coverage, same additional benefits, and a higher annual premium of $28,000 invested over 10 years. The projected fund values after 10, 15,

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    © All Rights Reserved
    Descărcați ca PDF, TXT sau citiți online pe Scribd
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    53 vizualizări2 pagini

    Sunlife Proposal Bianca Osera

    Încărcat de

    Bianca Joy Osera
    The document is a proposal from an insurance agent for Bianca Osera, a 30-year-old non-smoking female. It presents two product solutions: Product Solution 1 includes a Sun MaxiLink Prime policy with $350,000 life coverage, total disability, accidental death, and critical illness benefits. The annual premium would be $20,000 invested over 10 years. The projected fund value after 10, 15, and 20 years is provided. Product Solution 2 includes a larger Sun MaxiLink Prime policy with $500,000 life coverage, same additional benefits, and a higher annual premium of $28,000 invested over 10 years. The projected fund values after 10, 15,

    Drepturi de autor:

    © All Rights Reserved
    Descărcați ca PDF, TXT sau citiți online pe Scribd
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    din 2

    Hi Bianca,

    Attached is the proposal for insurance-investment link vehicle I made especially for you 
    Sun MaxiLink Prime, an investment-linked life insurance product that primarily helps address your need for:

     Retirement
     Save for Life Milestone
     Investment
     Health

    Name: Ms. Bianca Osera


    Age: 30 Female
    Non-Smoker

    PRODUCT SOLUTION 1

    Name of Product: SUN MAXILINK PRIME


    Investment Term: AT-LEAST 10 YEARS
    Total Annual Investment: Ᵽ20,000.00
    Quarterly Investment: Ᵽ 5,000.00
    Face amount/Life Coverage: Ᵽ 350,000.00x 2 = Ᵽ 708,893.00
    Riders included: TOTAL DISABILITY BENEFIT (TDB)
    ACCIDENTAL DEATH BENEFIT (ADB) = Ᵽ 350,000.00
    CRITICAL ILLNESS BENEFIT (CIB) = 350,000.00

    FUND VALUE @ 8% CONSERVATIVE RETURN

    After 10 years (Age 40) Ᵽ 212,889

    After 15 years (Age 45) Ᵽ 308,234


    After 20 years (Age 50) Ᵽ 445,541

    Premium Summary
    Initial Annual
    Coverage Name Coverage Amount Initial Annual Initial Annual
    Premium Due Initial Modal
    Insured Name (Basic Plan or (Face Amount or Standard Extra
    (Regular or Single Premium Due
    Additional Benefits) Benefit Amount) Premium Premium
    Premium)
    Bianca Osera Sun MaxiLink Prime 350,000.00 16,677.50 0.00 16,677.50 4,169.38
    Total Disability
    Bianca Osera 350,000.00 430.50 0.00 430.50 107.63
    Benefit
    Accidental Death
    Bianca Osera 350,000.00 465.50 0.00 465.50 116.38
    Benefit
    Critical Illness
    Bianca Osera 350,000.00 1,361.50 0.00 1,361.50 340.38
    Benefit
    Excess Premium: 1,065.00 1,065.00 1,065.00 1,065.00
    Total: 20,000.00 0.00 20,000.00 5,000.02
    Excess Premium
    0.00
    (One-time):
    PRODUCT SOLUTION 2

    Name of Product: SUN MAXILINK PRIME


    Investment Term: AT-LEAST 10 YEARS
    Total Annual Investment: Ᵽ28,000.00
    Quarterly Investment: Ᵽ 7,000.00
    Face amount/Life Coverage: Ᵽ 500,000 x 2 = Ᵽ 1,012,178.00
    Riders included: TOTAL DISABILITY BENEFIT (TDB)
    ACCIDENTAL DEATH BENEFIT (ADB) = Ᵽ 500,000.00
    CRITICAL ILLNESS BENEFIT (CIB) = 350,000.00

    FUND VALUE @ 8% CONSERVATIVE RETURN

    After 10 years (Age 40) Ᵽ 303,959

    After 15 years (Age 45) Ᵽ 439,863


    After 20 years (Age 50) Ᵽ 635,487

    Premium Summary
    Coverage Name Coverage Amount Initial Annual Initial Annual Initial Annual
    Insured Initial Modal
    (Basic Plan or (Face Amount or Standard Extra Premium Due (Regular
    Name Premium Due
    Additional Benefits) Benefit Amount) Premium Premium or Single Premium)
    Bianca
    Sun MaxiLink Prime 500,000.00 23,825.00 0.00 23,825.00 5,956.25
    Osera
    Bianca Total Disability
    500,000.00 615.00 0.00 615.00 153.75
    Osera Benefit
    Bianca Accidental Death
    500,000.00 665.00 0.00 665.00 166.25
    Osera Benefit
    Bianca
    Critical Illness Benefit 350,000.00 1,361.50 0.00 1,361.50 340.38
    Osera
    Excess Premium: 1,533.50 1,533.50 1,533.50 1,533.50
    Total: 28,000.00 0.00 28,000.00 7,000.00
    Excess Premium (One-
    0.00
    time):

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