Sun Maxilink One – Earn Higher Returns than Banks!
Do you have P250k, P500k or even P1M saved in bank savings and/or time deposit accounts? Basically, you are enjoying less than 2% interest on your savings annually.
Here is the list of time deposit interest rates of major banks in the Philippines.

Do you know your money is actually losing its value more than it is earning?
Interest earnings from bank savings and time deposits does not beat the average inflation rate in the country which is 4%.
“Inflation is the rate at which the general level of prices for goods and services is rising and, consequently, the purchasing power of peso is falling.” Read more about inflation.
Simply, the value of money goes down because of inflation. What our 1,000 pesos can buy today won’t be the same value of groceries in the future.

In bank savings and time deposits, our money is losing its purchasing power by 4% annually, earning only 2% guaranteed interest rates, gives us 2% net loss. To give you an example to this context, if you have P1M in time deposits, you are losing P20k (P1M x 2%) annually. Now that is actually a huge amount of money to lose!
You can grow your money and maximize its earning potential!
The good news is, you actually have several options to have your money earn more than what it is earning in savings and time deposits and beat inflation. That is through investment in financial securities such as mutual funds, UITFs, Single pay VULs or direct investing in stocks or bonds. This post is focused on Sun Maxilink One, Sun Life’s Single-Pay VUL (SPVUL), an insurance plan with emphasis on growing your money through investments.
What is Sun Maxilink One?
Sun MaxiLink One is a single-pay protection and investment package which has NO UPFRONT CHARGES, meaning, your money will be invested right away! Hence, it offers an opportunity for faster accumulation of the investment fund value. People who wants the convenience of paying one-time can get protected with life insurance and at the same time have investment to build funds to finance any important life milestones.
Benefits of Sun Maxilink One
Life Insurance coverage
Sun Maxilink One provides coverage up to age 88. Just like any life insurance, your family will receive guaranteed financial protection when you die prematurely. It pays either (a.) 125% of the single premium paid (assuming no withdrawals were made) or (b.) the Fund Value, whichever is higher.
Guaranteed acceptance
You have an option to apply and be approved under the Guaranteed Insurability Offer which provides hassle-free application since you no longer need to go through underwriting process. You can skip medical examinations, provided within the guidelines set by the company.
High-earning Investment
The investment component is a mutual fund and you have the option to choose which funds to put your money in. You can take advantage of professional fund managers’ expertise and be assured their only job is to make your money grow.
Sun Maxilink One offers higher potential investment returns. For example, based on historical actuals, the compounded annual growth rate of our Equity Fund (stock fund) is 12.60%. With this investment, you can reach any of your financial goals faster.
Estate Tax Shield
When you die, all your assets (investments including Mutual Funds, Stocks, Cash Deposits, and Real Estate) will become part of your estate and will be frozen by BIR until your beneficiaries pay for the taxes. Since Sun Maxilink One is still an insurance product, the proceeds or death benefit is readily available to your loved ones. They can use it to pay for the appropriate taxes to unfreeze your assets.
Maximize the Earning Potential of Your Money
Why be contented in low-interest rates provided by banks? You can have a better option to help you grow your money just by investing or saving it in Sun Maxilink One which provides better-than-inflation rate returns.
To give you a better picture, let us compare Sun Maxilink One with other banks’ time deposit returns. The table below shows the returns for 8% conservative projected and compounded annual return of SPVUL’s mutual funds.

Think about it! Sun Maxilink One is a powerful tool to build your wealth to finance any of your life goal – be it a comfortable retirement, to start a business or purchase your dream home. This is also a great plan to protect your assets and to use in planning your estate while you have the ability to enjoy your investments while you are alive.
If you’re interested you can request FREE proposal or contact us to get started in growing your money.


Noemi Lansang
October 29, 2019 at 6:48 pmI am interested in sun maxilink one.