ART of Sunstone Presentation

the
_A_R_T_
of SUNSTONE
welcome to
SUNSTONE
2015
WE SHINE FOR YOU

"You did not choose me, but I chose you and appointed you so that you might go
and BEAR FRUITfruit that will lastand so that whatever you ask IN MY NAME
the Father will give you. This is my command: Love each other," said Jesus.
John 15:16-17 NIV
_VISION_
to be sun lifes most innovative league,
home of passionate achievers of
Macaulay, MDRT, and Leaders
Conference; leaders in refining
financial education; fueled with Faith
and united with one goal.
the
_A_R_T_
_Mission_
of SUNSTONE
To develop innovative leaders &

highly influential advisors,
advocating financial freedom.
http://www.imoney.ph/time-deposit
1 year - Time Deposit

*source: http://www.imoney.ph/
PS BANK
Amount
BDO
APR.
2012
FEB.
2013
JUN.
2013
May.
2015
APR.
2012
FEB.
2013
JUN.
2013
May
2015
10,000 - 99,999
0.75%
0.25%
0.25%
1.25%
1.87%
1.12%
0.5%
0.5%
100,000 - 299,999
3%
1.5%
1.25%
1.25%
2.12%
1.37%
0.75%
0.5%
300,000 - 499,999
3%
1.5%
1.25%
1.50%
2.12%
1.37%
0.75%
0.88%
500,000 - 999,999
3.25%
1.75%
1.25%
1.50%
2.25%
1.5%
0.875%
0.88%
1 M - 4.9 M
3.5%
2.25%
1.25%
1.50%
2.37%
1.62%
1%
1%
5 M - 9.9 M
4%
2.75%
1.25%
1.50%
2.5%
1.75%
1.125% 1.130%
10 M & UP
4.25%
2.75%
1.5%
1.25%
2.5%
1.75%
1.125% 1.000%
proverbs 21:5
the PLANS of the diligent leads to profit,
as surely as haste leads to poverty
* subject to 20% withholding tax *
proverbs 20:21
An inheritance quickly gained will
not be blessed in the end
_VISION_
_A_R_T_
the
_Mission_
of SUNSTONE

when we fail to PLAN, then we are planning to FAIL
Average Annual Inflation Rate

7.75%6.8%
*source: http://www.imoney.ph/
9.2%
10%
7.5%
5.6%
6.75%
6%
4%
5.5%
8.3%
7.65%
5.95%
3%
5.5%
3.45%
2.9%
3.25%
1%
1995
1996
year
1997
1998
1999
8.3%
105
2009
4.1%
109
3.9%
114
4.6%
119
2011
2001
inflation Big Mac

rate
()
2008
2010
2000
2002
2003
3.2%
122
2013
2.95%
125
2014
4.1%
130
2005
2006
2007
7 years = 23.81%
2008
3.8%
2009
2010
4.6%
2011
3.2%
2.95%
2012
2013
proverbs 20:21
An inheritance quickly gained
will not be blessed in the end
130
130
122.5
125
proverbs 21:5
122
119
115
2012
2004
4.1%
114
107.5
PSALM 90:12
109
teach us to number our days that

we may gain a heart of wisdom.
105
100
2008
2009
2010
2011
2012
2013
2014
4.1%
2014
_VISION_
Future Value of 1
n
Formula: FV = 1 (1+i)
the
_A_R_T_
of SUNSTONE
Future Value Multiplier
_Mission_
Investment
the
_A_R_T_
of SUNSTONE
Life Insurance
Value of starting Early

MAXILINK Prime - 10% annual growth (illustration purpose)
120k/yr for 10yrs = w/ 4 Million Life insurance w/ ADB & TDB
AGE STARTED
1.2 M invested on 10th
55
60
65
20
1,500,000
16,000,000
25,000,000
41,000,000
21
1,500,000
14,000,000
22,000,000
39,000,000
25
1,500,000
9,000,000
15,000,000
25,000,000
30
1,488,000
6,000,000
9,000,000
15,000,000
60k/yr for 10yrs = w/ 2 Million Life insurance w/ ADB, TDB & WPD
AGE 0 (7 days old)
600K invested on 10th

771,000
55
60
57,000,000
93,000,000
65
151,000,000
30k/yr for 10yrs = w/ 1 Million Life insurance w/ ADB, TDB & WPD
AGE 0 (7 days old)
300K invested on 10th

385,000
55
60
65
28,000,000
46,000,000
75,000,000
VISION: to be sun lifes most innovative league, home of passionate achievers of
MISSION: To develop innovative
Macaulay, MDRT, and Leaders Conference; leaders in refining financial education;

fueled with Faith and united with one goal.
leaders & highly influential advisors

Investment
the
_A_R_T_
Life Insurance
of SUNSTONE
5 million marathon
Annual
Savings
Daily
Savings
2%
4%
6%
8%
10%
10,000
27 / day
121 yrs
78 yrs
59 yrs
48 yrs
41 yrs
30,000
82 / day
74 yrs
52 yrs
41 yrs
35 yrs
30 yrs
60,000
164 / day
50 yrs
37 yrs
31 yrs
26 yrs
23 yrs
100,000
273 / day
35 yrs
28 yrs
24 yrs
21 yrs
19 yrs
150,000
411 / day
26 yrs
22 yrs
19 yrs
17 yrs
15 yrs
Key FACTORS in building your retirement FUND

TIME
: Start as early as you can
MONEY
: Save as much as you can (REGULARLY)
INTEREST : Find better than INFLATION interests
VISION: to be sun lifes most innovative league, home of passionate achievers of Macaulay, MDRT, and
Leaders Conference; leaders in refining financial education; fueled with Faith and united with one goal.
MISSION: To develop innovative leaders & highly

influential advisors advocating financial freedom.
Investment
the
_A_R_T_
Life Insurance
of SUNSTONE
Annual College Tuition Fees

SCHOOL
(Metro Manila)
2008**
(Source)
2014
(Base Year)
2019
(in 5 years)
2024
(in 10 years)
2029
(in 15 years)
2034
(in 20 years)
University of Asia and the Pacific
124,800
249,651
444,902
792,859
1,412,954
2,518,023
De La Salle University
110,448
220,941
393,738
701,681
1,250,464
2,228,450
Ateneo de Manila University
90,613
181,263
323,028
575,668
1,025,897
1,828,250
Assumption College
84,315
168,664
300,576
535,657
954,593
1,701,179
Mapua Institute of Technology
84,000
168,034
299,453
533,655
951,027
1,694,823
St. Scholastica's College
75,072
150,174
267,626
476,935
849,946
1,514,688
San Beda College
64,152
114,325
203,739
363,083
647,049
1,153,105
Miriam College
62,412
111,224
198,213
353,235
629,499
1,121,829
Philippine Women's University
59,616
106,242
189,333
337,410
601,298
1,071,573
Colegio de San Juan de Letran
50,440
100,900
179,815
320,447
571,069
1,017,701
Far Eastern University
55,000
98,015
174,673
311,285
554,740
988,602
University of the East
47,840
95,699
170,546
303,929
541,632
965,242
University of Sto. Tomas
45,062
90,142
160,642
286,281
510,180
909,192
St. Paul College (Quezon City)
44,256
88,530
157,769
281,160
501,055
892,930
University of the Philippines
36,000
72,015
128,337
228,709
407,583
726,353
**Rates were increased by 12.25~ annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.
the
_A_R_T_
of SUNSTONE
Estate Tax Table

OVER
BUT NOT OVER TAX SHALL BE PLUS
P --200,000
500,000
2,000,000
5,000,000
10,000,000
P 200,000
500,000
2,000,000
5,000,000
10,000,000
AND OVER
Life Insurance is a money for

someone someday, because
someone cared Today.
proverbs 20:21
An inheritance quickly gained
will not be blessed in the end
proverbs 21:5
PSALM 90:12
teach us to number our days that
we may gain a heart of wisdom.
_VISION_
OF THE
EXCESS OVER
EXEMPT
EXEMPT
EXEMPT
--15,000
135,000
465,000
1,215,000
5%
8%
11%
15%
20%
200,000
500,000
2,000,000
5,000,000
10,000,000

_Mission_
Donors Tax Table

OVER
BUT NOT OVER TAX SHALL BE PLUS
P --100,000
200,000
500,000
1,000,000
3,000,000
5,000,000
10,000,000
P 100,000
200,000
500,000
1,000,000
3,000,000
5,000,000
10,000,000
OF THE
EXCESS OVER
EXEMPT
EXEMPT
--2,000
14,000
44,000
204,000
404,000
1,004,000
2%
4%
6%
8%
10%
12%
15%
100,000
200,000
500,000
1,000,000
3,000,000
5,000,000
10,000,000
the
_A_R_T_
of SUNSTONE
150 yrs, est. 1865
120 yrs, est. 1895
_VISION_
Insurance
Company
the
_A_R_T_
of SUNSTONE
Established
Years of
Existence
1895
120
1907
1910
108
105
1914-1919
1939
1939-1945
1946
69
1947
68
1954
61
1954
61
Insurance
Company
of
Established Years
Existence
1962
53
1963
52
1979
36
1996
19
1999
16
SLF PSEi
2000
15
2011
_VISION_
_A_R_T_
the
to be sun lifes most innovative

league, home of passionate
achievers of Macaulay, MDRT, and
Leaders Conference; leaders in
refining financial education; fueled
with Faith and united with one goal.
of SUNSTONE
TOTAL Premiums
in Billions
Year 2014
40
AXA Life
Manulife
Sun Life Financial
PhilamLife
Pru Life UK
30
20.5
20
16.8 16.3
13.1
13.513.8
13.6
9.8
10
10.8
9.5
11.2
10.6
8.3
3.5
0
2007
5.3
3.4
3.1
2008
4.4
3.5
3.1
3.9
2009
2010
19.9
18.2
18
15
12.27
30.7
18.3118.34
15.45
13.35
9.98
9.9
7.48
7.3
5.1
15.29 15.59
29.7
4.9
2011
2012
2013
2014
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to be sun lifes most innovative

league, home of passionate
achievers of Macaulay, MDRT, and
Leaders Conference; leaders in
refining financial education; fueled
with Faith and united with one goal.
r
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_VISION_
of SUNSTONE
Investment
the
_A_R_T_
Life Insurance
of SUNSTONE
Advantages of Sun Life

31 LIFE INSURANCE COMPANIES
Listed in PSEi
Pure Mutual Funds
VUL
Mutual Funds Companies

TAX if not Listed 5% CG &
10% excess of 100k
with Asset
Management
Company
Protection +
Investment +
Savings =
Publicly Listed Companies
Amongst top 10
performing companies
Variable Unit Link
VISION: to be sun lifes most innovative league, home of passionate
achievers of Macaulay, MDRT, and Leaders Conference; leaders in refining

financial education; fueled with Faith and united with one goal.

Investment
the
_A_R_T_
of SUNSTONE
Life Insurance
Variable Universal Life
_1_(free) withdrawal every year (yearly). In excess of which is 1% charge.

_4_(free) fund switching every year (yearly). In excess of which is 1% charge.
Loyalty Bonus equivalent to 2% of the average monthly fund balance of the preceding 5 years. Crediting of Loyalty
Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)
Note: if the fund value is equivalent to zero (0), then the policy will be given 30 days Grace Period to
accomplish the funds requested by the company. Failure to complete the funds required, will result to a lapse
policy, voiding the life insurance in-forced. However, a reinstatement is still possible at a premium, the amount
is to be computed by the company on the time of writing / request.
Note: On VUL Regular investment, the premium invested will initially be allocated for the life insurance premium,
once fully paid, then, it will be invested as excess premium.
Note: Valuation is Mark to Market and _not_ Compounded Interest.
VISION: to be sun lifes

most innovative league, home of
passionate achievers of Macaulay,
MDRT, and Leaders Conference;
leaders in refining financial
education; fueled with Faith and
united with one goal.
MISSION: To develop
innovative leaders & highly
influential advisors, advocating
financial freedom.
Investment
the
_A_R_T_
INVESTED
of SUNSTONE
Mutual Funds: SLAMC

5,000
Minimum Subsequent investment of 1,000
Minimum Initial investment of
Option B
back - END LOAD
Option A
FRONT - END LOAD
(Peso & dollar funds)
(Peso funds)
INVESTMENT
< 100,000
Sales Load Rate

(plus 12% VAT)
2.00% (2.24%)
100,000 < 1.0M
1.50% (1.68%)
1.0M < 5.0M
1.00% (1.120%)
5.0M < 20M
0.50% (0.56%)
Redemption
Period
Account Options:
1. Individual
2. Joint
3. in-Trust for
Account
4. corporation
5. cooperative
Initial Charges are deducted upon

investment, from which charges varies
from the invested amount & no charges
on withdrawal.
_VISION_ OF _ SUNSTONE LEADERS_

Leaders of sunstone unleashes the potentials of
everyone & nurtures the best. A heart which enables
the most number of medallion qualifiers with their
Excellent Leadership in Enabling others
Subscription of less
than 5.0M or less
than $100k
1st
year
5% (5.6%)
2nd
year
4% (4.48%)
3rd year
3% (3.36%)
4th year
2% (2.24%)
5th year
1% (1.12%)
6th year
NONE
5M Mutual Funds Privileges

10% waived back-end
redemption
a once a year privilege.

only applicable to clients with
5M worth of BE investments at
the time of redemption.
client may redeem up to 10% of
total shares as of December 31 of
previous year.
Not automatic, must be
applied and indicated in order
ticket, and subject to approval.
NO Initial Charges are deducted upon

investment & an equivalent amount of percentage is
deducted depending on the redemption period.
_VISION_
to be sun lifes most innovative league, home of passionate

achievers of Macaulay, MDRT, and Leaders Conference; leaders in refining
financial education; fueled with Faith and united with one goal.
MISSION: To develop innovative leaders & highly influential

advisors, advocating financial freedom.
Investment
the
_A_R_T_
Life Insurance
of SUNSTONE
Jan.1006
110,000.00
1.12
111,476.88
Jan.1007
121,000.00
1.62
161,561.41
Jan.1008
133,100.00
1.84
183,112.88
SCENARIO 2
GUARANTEED
VARIABLE
161,561
133,100
121,000
Principal
Amt
Current Value
Principal
Amt
NAVPU
UNITS
Fund Value
110,000
Jan.1005
100,000.00
100,000.00
100,000.00
1.01
99,453.01
100,000.00
111,476
110,000.00
1.12
111,476.88
Jan.1007
121,000.00
1.62
161,561.41
Jan.1008
133,100.00
1.84
148,203.30

Ja 100,000.00
n.
10
'0
6
DATE
Jan.1006
148,203
BEAR
08
100,000.00
6,
99,453.01
l.1
1.01
Ju
100,000.00
100,000.00
'0
100,000.00
183,112
10
Jan.1005
BULL
n.
Fund Value
Ja
UNITS
NAVPU
'0
Principal
Amt
10
Current Value
n.
Principal
Amt
Ja
DATE
167,500.00
VARIABLE
145,000.00
GUARANTEED
122,500.00
SCENARIO 1
190,000.00
Mark to Market

Investment
the
_A_R_T_
Life Insurance
of SUNSTONE
111,476.88
Jan.1007
121,000.00
1.62
161,561.41
Jan.1008
133,100.00
1.84
183,112.88
JUL.1608
133,100.00
1.84
148,203.30
MONEY MARKET
Jan.1008
183,112.88
Jan.1708
1.01
180,762.96 183,112.88
1.01
183,203.26
BALANCED FUND
Jan.1708
JUL.1608
183,206.26
1.78
1.49
102,767.3
183,203.26
153,431.57
161,561
148,203
BEAR
111,476
08
1.12
6,
110,000.00
l.1
Jan.1006
BULL
Ju
100,000.00
99,453.01
1.01
'0
100,000.00
10
100,000.00
n.
100,000.00
Ja
Jan.1005
Fund Value
'0
NAVPU UNITS
10
Principal
Amt
n.
Current Value
Ja
Principal
Amt
167,500.00
DATE
183,112
145,000.00
VARIABLE
122,500.00
GUARANTEED
Ja 100,000.00
n.
10
'0
6
FUND SWITCHING ILLUSTRATION
190,000.00
Mark to Market



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ART of Sunstone Presentation

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the

WE SHINE FOR YOU

To develop innovative leaders &

1 year - Time Deposit

* subject to 20% withholding tax *

To develop innovative leaders &

when we fail to PLAN, then we are planning to FAIL

Average Annual Inflation Rate

inflation Big Mac

teach us to number our days that

when we fail to PLAN, then we are planning to FAIL

Future Value Multiplier

when we fail to PLAN, then we are planning to FAIL

Value of starting Early

1.2 M invested on 10th

600K invested on 10th

300K invested on 10th

VISION: to be sun lifes most innovative league, home of passionate achievers of

MISSION: To develop innovative

Macaulay, MDRT, and Leaders Conference; leaders in refining financial education;

leaders & highly influential advisors

when we fail to PLAN, then we are planning to FAIL

Key FACTORS in building your retirement FUND

MISSION: To develop innovative leaders & highly

when we fail to PLAN, then we are planning to FAIL

Annual College Tuition Fees

University of Asia and the Pacific

Ateneo de Manila University

Mapua Institute of Technology

St. Scholastica's College

San Beda College

Philippine Women's University

Colegio de San Juan de Letran

Far Eastern University

University of the East

University of Sto. Tomas

St. Paul College (Quezon City)

University of the Philippines

when we fail to PLAN, then we are planning to FAIL

Estate Tax Table

BUT NOT OVER TAX SHALL BE PLUS

Life Insurance is a money for

to be sun lifes most innovative league,

Donors Tax Table

BUT NOT OVER TAX SHALL BE PLUS

when we fail to PLAN, then we are planning to FAIL

150 yrs, est. 1865

120 yrs, est. 1895

when we fail to PLAN, then we are planning to FAIL

to be sun lifes most innovative

to be sun lifes most innovative

when we fail to PLAN, then we are planning to FAIL

when we fail to PLAN, then we are planning to FAIL

Advantages of Sun Life

Pure Mutual Funds

Mutual Funds Companies

Publicly Listed Companies

Variable Unit Link

VISION: to be sun lifes most innovative league, home of passionate

MISSION: To develop innovative

achievers of Macaulay, MDRT, and Leaders Conference; leaders in refining

leaders & highly influential advisors

Variable Universal Life

_1_(free) withdrawal every year (yearly). In excess of which is 1% charge.