INVESTMENT PRODUCTS

Submitted By: Submitted To:

BAITOC, Loutisk Ma’am Leilani A. Pitan

BELTRAN, Maria Krisha

BONIO, Jureza Date Submitted:

LAZAGA, Laiza Dec. 03, 2019

PARNACIO, Camille
A.METROBANK - AXA

About AXA Philippines

Established in 1999, AXA Philippines is one of

the largest and fastest growing life insurance companies
in the country. It offers financial security to more than
1.5 million individuals through its group and individual
life insurance as well as general insurance products
through its wholly-owned subsidiary Charter Ping An.

AXA Philippines is one of the first to introduce bancassurance operations in the

country, and is among the pioneers in the investment-linked insurance sector.

AXA now offers a complete range of products for all its customers’ insurance and
financial protection needs, including savings and investments, health plans, income
protection, and health coverage; and through its general insurance subsidiary, Charter
Ping An: fire, motor car, marine cargo, personal accident, bonds, casualty, and
engineering insurance products.

AXA Philippines is a joint venture between the AXA Group, headquartered in

France, GT Capital Holdings, Inc. (GT Capital), a leading listed conglomerate in the
Philippines, and Metropolitan Bank and Trust Company (Metrobank), one of the
Philippines’ largest financial institutions. It is duly recognized by the Insurance
Commission and has following licenses to operate: 2019/37-R for AXA and 2019/40-R
for Charter Ping An.
B. RCBC BANK – SUN LIFE GREPA

About Sun Life Grepa Financial

Sun Life Grepa Financial, Inc.

(Sun Life Grepa) is a joint venture
between the Yuchengco Group of
Companies (YGC) and Sun Life
Financial Philippines (Sun Life). Sun Life Grepa offers financial protection products
through its agency, bancassurance, and group account channels.

YGC is one of Southeast Asia's largest conglomerates with over 90 companies,

while Sun Life has been a top player in the Philippine market for over 120 years.

A product of the union of distinct brands with their own strengths and global
recognition, Sun Life Grepa ranks among the top players of the life insurance industry in
the country.

B. 1. Sun Grepa Power Builder 1

Power up your money’s earning potential with Sun Grepa Power Builder 1, a
single pay, peso-denominated, protection and investment product that provides an
opportunity for faster accumulation of fund value since the single premium is invested in
full.

OFFERS YOU THE FOLLOWING:

LIFE INSURANCE COVERAGE

Secures the life of the insured with insurance coverage equivalent to at least 125% of
the single premium, less 125% of withdrawals, up to age 88.

PROFESSIONAL FUND MANAGEMENT

Offers the policy owner the option to invest the single premium in any of the following
funds depending on his risk appetite and financial objectives:

 Growth Fund – will invest mainly in high-quality listed equities of Philippine

entities
 Income Fund – will invest in high-quality fixed income securities issued by the
Philippine government and in high-quality corporate debt securities issued by
Philippine companies
 Opportunity Fund – will invest in a mix of high-quality debt and equity securities
mainly of domestic issuers

HIGH EARNING POTENTIAL

Sun Grepa Power Builder 1 has no premium charges which makes accumulation of
fund value faster. Investment returns, however, are not guaranteed and are dependent
on market performance of the fund where the premium is invested.

LOYALTY BONUS

Gives additional cash benefits as a reward for keeping the investment in the long term.
The bonus is currently equivalent to 2% of the policy’s average fund value for the past 5
years. It is payable at the end of the 10th year and every five years thereafter as long as
the policy is in-force.

GUARANTEED ACCEPTANCE

Ensures ease of application if the single premium is within the age and other limits of
the guaranteed issue offer set by the Company.

CONVENIENT ONE-TIME INVESTMENT

Gives you the convenience of fully paying your policy with just one lump sum payment.

B.2. Sun Grepa Power Builder 5 and 10

Increase the power of your money with Sun Grepa Power Builder, a limited-pay
protection and savings product in one that gives double insurance coverage while
building your money’s earning potential.

LIFE INSURANCE COVERAGE

Secures the life of the insured with insurance coverage equivalent to 200% of the Face
Amount plus the fund value or the minimum death benefit, whichever is higher.

HIGH EARNING POTENTIAL

Boosts the earning potential of your investment because your money is invested in
potentially high-yielding securities to achieve maximum returns. There are also three
investment funds to choose from depending on your risk appetite and financial
objectives.

LOYALTY BONUS

Gives additional cash benefits as a reward for keeping the investment in the long term.
The bonus is currently equivalent to 2% of the policy’s average fund value for the past 5
years. It is payable at the end of the 10th year and every five years thereafter as long as
the policy is in-force.

LIMITED PAYMENT PERIOD

The policy is payable in 5 or 10 years, depending on plan chosen.

1The minimum death benefit is equivalent to 500% of the regular payment plus 125% of
each additional payment, less 125% of withdrawals, if any.
B. 3. Sun Grepa Elev8

Putting up a business, sending your child to school and setting up a retirement

fund are life goals that require careful planning and preparation. Whatever you're aiming
for, Sun Grepa Elev8 can help you reach and protect your dreams.

SUN GREPA ELEV8 OFFERS YOU THE FOLLOWING:

GUARANTEED BENEFITS

 Elevating Cash Benefits

Enjoy guaranteed cash benefits every other year starting at the end of the 8th year. It is
equivalent to 8% of the face amount and increases by 2% of the face amount every
succeeding payout. Get it regularly or build your savings by leaving them with the
Company to accumulate.

 Elevating Insurance coverage

Feel secure and protected with guaranteed insurance coverage for 20 years. From
100% of the face amount on the 1st year, your coverage increases by 16% of the face
amount every year up to a maximum of 228% of the face amount at the end of the 8th
year until the 20th year.

LUMP SUM MATURITY BENEFIT

Boost your fund for savings, education, business or retirement, with a lump sum
maturity benefit that's 102% of your face amount at the end of the 20th year.

SPECIAL BONUS AND DIVIDENDS

Enjoy a special bonus after 8 years and dividend earnings onwards. You may opt to get
these in cash or leave with the Company to accumulate.

ADDITIONAL PROTECTION

Maximize your coverage by adding optional supplements to your policy. The Accidental
Death Benefit provides additional benefit in case of untimely demise due to accidents.
The Waiver of Payments upon Death or Disability of Initial Owner and Total Disability
Benefit waive future payments in case of payor's total and permanent disability.

LIMITED PAYMENT PERIOD

Fully pay your policy in just eight (8) annual payments, with the amounts fixed
throughout the payment period. Annual, semi-annual, quarterly and monthly modes of
payment are available
C. BPI – PHILAM LIFE

About Philam Life

At Philam Life, we know that life never stops changing, and that people need a
partner who understands and supports them through life’s challenges and opportunities.

This is why we are committed to genuinely engage with our customers through
meaningful dialogue. By talking to them, we know that we can better provide them with
the right solutions and the right plans that turn struggles into successes, fears into
peace in mind, and dreams into reality.

We at Philam Life are proud to be part of AIA, the largest independent publicly
listed pan-Asian life insurance group. Together, we endeavor to help each and every
customer live healthier, longer and better lives.

OUR VISION: We are the undisputed leader in life insurance and wealth management.

OUR MISSION: A Philam Life policy for every Filipino family.

We empower Filipinos to achieve financial security and prosperity.

OUR HERITAGE

70 YEARS

Empowering Filipinos achieve financial security and prosperity.

100% FOCUSED ON ASIA-PACIFIC

Our parent company, AIA, was founded in Asia

and present in 18 markets across the Asia-Pacific
region.

OUR AWARDS

WE ARE PROUD TO HAVE BEEN

RECOGNISED AS INDUSTRY LEADERS WITH
OUR MOST RECENT ACCOLADES

C. 1. MONEY TREE

You want to grow your money faster so you can reach your goals sooner. But
your money in the bank may not be earning its full potential.

With Money Tree, we can help you maximize your money’s growth potential so
you can achieve your goals faster.

Money Tree is available at a minimum one-time payment of PHP 125,000.

WHAT DOES IT PROVIDE?

HIGH GROWTH POTENTIAL

Enjoy higher long-term growth potential through access to expertly-managed funds that
can grow you an account value over time. You may also receive additional loyalty
bonus that can increase your investment.

FLEXIBILITY TO YOUR INVESTMENT PLAN

Have full control on your plan by managing it base on your investment goal and risk
appetite. For as low as Php 1,000, you can now increase your investment anytime.
Plus, you can switch funds and change fund allocations whenever you like for free.

GUARANTEED LIFE INSURANCE COVERAGE

Get at least 125% of your investment as life insurance coverage so you can make sure
your family is taken care of.

C.2. MONEY TREE ELITE

At this point in your life, you have already made your mark and built your wealth
after many years of hard work.

You are looking to maximize your wealth’s growth potential so you and your
family can continue to enjoy the good life now and in the future.

With Philam Life’s Money Tree Elite can help you plan for this. It is a one-pay
investment and life insurance plan that lets you maximize your money’s growth
potential. It has no entry fee so you can make the most out of your wealth. Plus, you get
guaranteed life insurance coverage of at least 125% of your investment.

Money Tree Elite is available at a minimum one-time payment of PHP 1 Million.

WHAT DOES IT PROVIDE?

HIGH GROWTH POTENTIAL

Enjoy higher long-term growth potential through access to expertly-managed funds that
can grow you an account value over time. You may also receive additional loyalty bonus
that can increase your investment.

FLEXIBILITY TO YOUR INVESTMENT PLAN

Have full control in managing your plan based on your investment goal or risk appetite.
For as low as Php 1,000, you can now increase your investment anytime. Plus, you can
switch funds and change fund allocations whenever you like for free.
GUARANTEED LIFE INSURANCE COVERAGE

Get at least 125% of your investment as life insurance coverage so you can make sure
your family is taken care of.

C. 3. INCOME ASSURE 7

Guarantees make you worry less about achieving your life goals, whether for
yourself or your loved ones. And this plan gives you exactly that: guaranteed returns
better than what the bank offers, guaranteed life insurance to secure the future of your
loved ones, and guaranteed plan issuance to ease your worries.

WHAT DOES IT PROVIDE?

GUARANTEED RETURNS

This plan is a single payment endowment of 7 years – you get guaranteed cash payouts
of 3.5% of your initial payment at the end of each year. That’s a total of 24.5% growth
over 7 years. In addition, your initial payment will be returned at the end of the plan.

GUARANTEED LIFE INSURANCE

In case the unexpected happens any time within the 7 years of the plan, your loved
ones will get 110% of your initial payment.

GUARANTEED ISSUE

Plan issuance is guaranteed when you apply so you don’t have to worry about
approvals.