Foreign Residence Guidelines

FOREIGN RESIDENCE GUIDELINES FOR INDIVIDUAL LIFE
Sun Life of Canada (Philippines) Inc. - July 2012
UNDERWRITING CONSIDERATIONS:
1. Careful selection practices are required to avoid anti-selection, guard against early claims, and to avoid potential problems in claims processing in
the future.
2. Term plans will not be allowed. Permanent plans with annually paid premiums are the most favorable plans to avoid persistency problems.
3. Countries where we have offices are approved standard including all supplemental benefits and living benefit riders.
4. In countries where we do not have offices, living benefits will be declined to avoid claims processing problems. Investigation of claims can be
extremely difficult and expensive and cooperation of the local authorities and medical institutions may be difficult to obtain which can cause delay in
settling the claims.
5. If a country where we have no office is approved standard, Accidental Death Benefit (ADB) and Waiver of Premium on Death of Initial Owner
(WPD) will also be approved standard. Waiver of Premium on Death and Disability of Initial Owner (WPDD) and all living benefit riders will be
declined.
6. If a country where we do not have an office is rated, Waiver of Premium on Death of Initial Owner (WPD) will also be rated (rating will depend on
the ages of the owner and child being insured); all supplemental and living benefit riders will be declined.
7. Generally, a pleasure vacation or business trip lasting 12 weeks or less can be considered at standard rates for all, but not on uninsurable
destinations.
8. Trip insurance or insurance that will remain in force only for the duration of the intended trip or temporary stay in the Philippines will be declined.
9. Applicants who travel abroad for the purpose of exploration or hazardous activities (e.g. archaeologists, geologists, missionaries, foreign
correspondents, diplomats, military personnel, foreign aid or charitable volunteers) will often be rendered uninsurable due to the combination of
their occupation and travel.
10. Expatriates, defined as individuals living outside their country of citizenship, and working in the Philippines may be considered for insurance if
they:
a. Have valid immigration and visa and with satisfactory financial circumstances
b. Their country of origin and travel activities are not in uninsurable countries
c. Have plans of working or residing in the Philippines for a period of 5 years or more.
d. Will continue to pay the premiums even if they are back in their country of origin
e. Attending Physician's Statement will be required. If we are unable to obtain an APS, we will get blood tests (SL12 or SL13.
11. The Anti-Money laundering and Anti-Terrorist Financing risks will also be considered in the evaluation of the application.
12. We have also considered the latest POEA Governing Board Resolution No. 7, Series of 2011 in these guidelines.
RECONSIDERATION OF RATING:
Reconsideration of a rating or declination may be considered subject to our usual Policy Change guidelines once the insured is no longer travelling and
a reasonable period of time has elapsed (e.g., 1 year). Some lapse of time is necessary to ensure the insured has had time to settle into a new lifestyle or
occupation that does not include the travel and reduces/eliminates the chances that he will return to such a lifestyle. It also ensures that any disease
that may have surfaced as a result of the travel has been resolved.
Sun Life of Canada (Philippines) Inc. July 2012
VUL and Limited Limited Pay 8 Limited Pay 8 Limited Limited Limited Limited ADB WPD LIVING BENEFITS AND
Traditional Pay 5 Plans Plans Plans Pay 10 Plans Pay 15 Plans Pay 5 Plans Pay 10 Plans PLANS:
Plans (Whole Life: (20 Yr TDB ADDD APDB
(Term Plans Are Smartstarter8) Endowment: (Peso) (Peso) (US Dollar) (US Dollar) WPDD
COUNTRY
Not Allowed ) (Peso) (Peso) Accelr8 ) CRITICAL ILLNESS OR SUN
(Peso) LIFE ASSURE ,
FCI/FCIB OR SUN MAIDEN,
HIB
Abu Dhabi (capital UAE) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Afghanistan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Albania Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Algeria Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
American Samoa Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Andorra Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Angola Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Anguilla (UK) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Antigua Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Antilles Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Argentina Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Armenia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Aruba Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Ascension Island (UK) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Australia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Austria Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Azervaijan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Azores (Port.) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
B
Bahamas Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Bahrain Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Bangladesh Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Barbados Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Belarus 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Belau (also Palau) 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Belgium Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Belize 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Benin Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Bermuda Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Bhutan 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Bolivia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Bosnia - Herzegovina Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Botswana 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Brazil Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
British Antarctic Territory Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
British Indian Territory Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Brunei Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Bulgaria Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Burkina Faso (also Upper Volta) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Burundi Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
C
Cambodia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Cameroon Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Canada Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
COUNTRY
HIB
Canary Islands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Cape Verde Island 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Cayman Islands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Central African Republic Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Chad Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Chile Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Beijing Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Chaozhou Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Chongqing Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Dongguan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Foshan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Guangzhou Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Huizhou Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Jiangmen Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Province of Hainan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Shanghai Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Shaquan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Shenyang Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Taiwan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Tianjim Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Tibet 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
China - Wuhan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Zhanjiang Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Zhaoqing Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China - Zhubai of Guangdong Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
China (other than Tibet and cities
other than listed above) 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
China-Xianmen in Fujian Province Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Christmas Island Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Colombia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Comoros Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Congo Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Costa Rica Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Cote d'Ivoire - see Ivory Coast Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Croatia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Cuba 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Cyprus Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Czech Republic Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
D
Denmark Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Diego Garcia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Djibouti Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Dominica 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Dominican Republic Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Dubai (UAE) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
COUNTRY
HIB
E
East Timor Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Ecuador Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Egypt - Cairo Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Egypt - Nile Valley Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Egypt (cities other than listed
above) 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
El Salvador 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Equatorial Guinea 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Eritrea Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Estonia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Ethiopia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
F
Faeroe Islands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Falkland Islands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Fiji Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Finland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
France Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
French Guiana 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
French Polynesia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
G
Gabon 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Gambia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Georgia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Germany Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Ghana 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Gibraltar Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Greece Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Greenland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Grenada Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Guadeloupe Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Guam Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Guatemala 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Guinea Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Guinea-Bissau Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Guyana Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
H
Haiti Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Holland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Honduras 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Hongkong Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Hungary Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
I
Iceland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
India Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Indonesia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Iran Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Iraq Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Ireland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Israel Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Italy Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Ivory Coast Decline Decline Decline Decline Decline Decline Decline Decline Decline Standard Decline
J
Jamaica Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Japan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
COUNTRY
HIB
Jordan 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
K
Kazakhstan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Kenya Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Kirghizia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Kiribati 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Korea (N) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Korea (S) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Krygyzstan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Kuwait Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
L
Laos Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Latvia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Lebanon 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Lesotho Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Liberia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Libya Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Liechtenstein Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Lithuania Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Luxembourg Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
M
Macao Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Macedonia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Madagascar Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Madeira Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Malawi Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Malaysia (except Sabah) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Malaysia (Sabah) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Maldives Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Mali Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Malta Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Marshall Islands 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Standard Rated Decline
Martinique Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Mauritania Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Mauritius Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Mexico Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Micronesia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Moldova 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Monaco Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Mongolia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Montenegro (also Serbia -
Montenegro & Yugoslavia) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Montsurret Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Morocco 2.50/M 12.68./M 8.25/M 4.93/M 6.79/M 4.86/M 12.68./M 7.24/M Decline Rated Decline
Mozambique Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Myanmar Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
N
Namibia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Nauru Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Nepal Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Netherlands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
New Caledonia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
New Zealand Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Nicaragua 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Niger Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
COUNTRY
HIB
Nigeria Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Norway Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Norfolk Island Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
O
Oman 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
P
Pakistan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Palau (also Belau) 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Palestinian State Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Panama (Darien region) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Panama (except Darien) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Papua New Guinea Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Papua New Guinea - Port Moresby Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Paraguay Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Peru 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Poland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Portugal Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Puerto Rico Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Q
Qatar Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
R
Reunion Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Romania Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Russia - St. Petersburg and Moscow Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Russia (Chechnya) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Russia (others - except Chechnya) 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Rwanda Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
S
Saipan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Samoa (also Western Samoa) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
San Marino Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Sao Tome and Principe Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Saudi Arabia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Scotland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Senegal 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Serbia - Montenegro (also
Montenegro & Yugoslavia) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Seychelles Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Sierra Leone Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Singapore Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Slovak Republic Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Slovenia Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Solomon Island Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Somalia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
South Africa 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Spain Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Sri Lanka 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
St. Kitts and Nevis Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
St. Lucia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
St. Vincent & the Grenadines Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Sudan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Suriname 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Swaziland 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
COUNTRY
HIB
Sweden Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Switzerland Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Syria Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
T
Taiwan Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Tajikistan Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Tanzania Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Thailand Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
The Gambia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Tibet 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Togo Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Tokelau Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Tonga Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Trinidad and Tobago Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Tunisia 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Turkey - Urban Areas Only 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Turkey - Other Areas Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Turkmenistan 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
Turks & Caicos Island Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Tuvalu Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
U
Uganda Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Ukraine 2.50/M 12.68/M 8.25/M 4.93/M 6/79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
United Arab Emirates Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
United Kingdom Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
United States Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Upper Volta (modern name Burkina

Faso) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Uruguay Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Uzbekistan 2.50/M 12.68/M 8.25/M 4.93/M 6.79/M 4.86/M 13.66/M 7.24/M Decline Rated Decline
V
Vanuatu Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Vatican City Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Venezuela Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Vietnam Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Virgin Islands Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
W
Wales Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard
Western Sahara Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Western Samoa (modern name
Samoa) Standard Standard Standard Standard Standard Standard Standard Standard Standard Standard Decline
Y
Yemen Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Yugoslavia (modern name Serbia

and Montenegro) Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Z
Zaire Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Zambia Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Zimbabwe Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
VISA CATEGORIES ISSUED TO FOREIGN NATIONALS:
PERMANENT RESIDENT VISAS:

13(a) - the spouse or unmarried child under 21 years old of a Filipino citizen
13(b) - a child of alien parents born during the temporary visit abroad of the mother
13(c) - a child born subsequent to the issuance of the immigration visa of the accompanying parent, the visa not having expired
13(d) - a woman who lost her Filipino citizenship because of her marriage to an alien or by reason of the loss of Filipino citizenship by her husband
13(e) - a person previously lawfully admitted into the Philippines for permanent residence, who is returning from a temporary visit abroad to an
unrelinquished residence in the Philippines
13(f) - the spouse or unmarried child under 21 years old of an alien lawfully admitted in the Philippines for a permanent residence prior to the date on
which the Immigration Law became effective and who is a resident therein
13(g) - a natural born citizen of the Philippines who has been naturalized in a foreign country
NON-IMMIGRANT VISAS GRANTED TO FOREIGN NATIONALS:

9(a) - pleasure, business or health
9(b) - transit
9(c) - seaman
9(d) - treaty traders
9(e) - foreign government officials, diplomat
9(f) - student
9(g) - pre-arranged employees
VISA OPTIONS FOR FOREIGN INVESTORS IN THE PHILIPPINES:

9(d) - Treaty/Trader/Investor Visa
9(g) - Pre-Arranged Employment Visa
47(a)(2) Visa - given to aliens employed in enterprises registered with BOI, PEZA and government projects
MRH Visa - Multinational Regional Headquarters Visa - given to foreign personnel of multinational companies
P.D. 1034 Visa - given to personnel of off-shore banking units of foreign banks duly licensed by BSP
SIRV Visa - Special Investors Resident Visa; given to a foreigner willing and able to invest in the amount of at least US$75,000 in the
Philippines.
Temporary Visitor's 9(a) Visa with Special Work Permit (SWP) - allows an alien to undertake temporary business running for a few months
SRRV - Special Retiree Resident visa; given to a foreign national living in a country with diplomatic relations with the Philippines and
willing to make the required time deposit; may reside in the Philippines without securing extensions of stay from the Bureau of
Immigrations
FOREIGN RESIDENCE GUIDELINES INDIVIDUAL LIFE
SOLICITATION:
1. Solicitation must take place in the Philippines. Solicitation is defined as the entire new business process from illustration, application to completion
of underwriting requirements including examinations and policy delivery.
2. Mandatory and underwriting requirements should be completed before client goes out of the country for travel abroad.
REQUIREMENTS FOR OVERSEAS CONTRACT WORKERS:

1. Application form, basic mandatory requirements, age/amount requirements. Complete residence and business addresses should be written in the
Application form. P. O. Box is not allowed.
2. AMLA Form and valid government issued ID with picture and signature. If applicant has no SSS, GSIS, TIN, submit Agent's Confidential Report.
3. A cover letter describing the country of destination, purpose of travel, duration of previous and current travel, occupation and details of duties,
employer, income, etc. will help in the evaluation of the application.
4. Indicate in the Application Form and proposal the extra premium and include the extra premium in the payment, if known.
REQUIREMENTS FOR NON-FILIPINO CITIZENS:

1. Application form, basic mandatory requirements, age/amount requirements. Complete residence and business addresses should be written in the
Application form. P.O. Box is not allowed.
2. AMLA Form; Alien Certificate of Registration (ACR) or I-Card showing immigration status; and photocopy of passport with picture and signature.
3. Agent's report to include occupation and nature of duties, details of immigration status, duration of approved stay in the Philippines
4. Residential Background questionnaire if living benefits are applied

Foreign Residence Guidelines

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Foreign Residence Guidelines

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FOREIGN RESIDENCE GUIDELINES FOR INDIVIDUAL LIFE

Sun Life of Canada (Philippines) Inc. - July 2012

Upper Volta (modern name Burkina

Yugoslavia (modern name Serbia

VISA CATEGORIES ISSUED TO FOREIGN NATIONALS:

PERMANENT RESIDENT VISAS:

NON-IMMIGRANT VISAS GRANTED TO FOREIGN NATIONALS:

VISA OPTIONS FOR FOREIGN INVESTORS IN THE PHILIPPINES:

REQUIREMENTS FOR OVERSEAS CONTRACT WORKERS:

REQUIREMENTS FOR NON-FILIPINO CITIZENS:

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