Sunlife Maxilink Prime

I invest a lot in insurance (aside from jewelry, that is).   It’s a form of “forced saving” for me and I like it that insurance products nowadays have more “living” than “death” benefits.   This means that there are benefits you can enjoy while you are living, unlike traditional insurance products before where only your beneficiaries will benefit from it.

Just recently I purchased Sunlife’s Maxilink Prime variable life insurance policy.

As a variable life insurance, it has living benefits equal to the value of the fund, which accumulates as I made my premium payments.  Meaning, my premium payments are used to pay part of the insurance and part of it is investment in my chosen investment scheme to earn the living benefit (or the “fund value”).

It has a fixed payment period (10-years) which I like because it means I only have to save up for a fixed term to enjoy its long-term benefits.   The fund value about 10 years from now is projected to be at about P300,000.00, but if I will choose not to get the money immediately after I have completed the payment plan and let it stay in the fund for other 10 years, then I will have about P500,000 by the time I hit 50!   And my total investment is just P240,000, to be paid over a period of 10 years.  Not bad, isn’t it?

And aside from being investment plan, it also has a life insurance component that will work if something happens to me.     Ain’t it a great product?   How about you?  Are you already covered by an insurance?    How do plan for your future?

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  1. says

    Hi, I am researching about Sunlife Maxilink and I stumbled on your blog. I am contemplating about this product for my hubby and I. What’s your feedback about this product? It is really confusing to choose insurance because there are many options and variables to factor in.


  2. sedmerud says

    Hi, I was looking for reviews about the plan that was being offered to me but unluckily , I have not read one yet that came from the Phil. The insurance was a ULIP (unit -linked) or Variable life. I have read on the internet the disadvantages of the VL/ULIP products. Now I am confused.

  3. Nessa says

    Do you have AXA life insurance too? just asking ‘coz i have one actually and it’s good for 5 yrs only. i was hoping to get an insight regarding yours if you have one. thanks!

  4. Kat says

    your blog posts about finance and investing are truly helpful especially for newbies like me. Thanks a lot! 🙂

  5. Apple labios says

    hi. Which is better manulife or sunlife? I cant decide po. I have 50k budget i want to invest. Which is the best plan to buy. Mas ok po ba ung matagal n plans like 20years or ung mabilis matapos like for 5 or 10 years. Please help thanks!

    • says

      Hi sis! If you want mutual fund investment (without insurance component), I suggest you go for Sunlife. They have great mutual fund products. No need to pay for a fixed period of time, you invest when you want to.

      But if you want one with mutual fund component, I recommend Sunlife, Prulife or Insular Life. They offer variable life insurance products that has investment + insurance coverage package.

  6. Don Soriano says


    Sun Life Financial Advisor here. 🙂 I’d love to help anyone who wants to be financially free. 🙂 Here’s my personal number: 09154263541.

    Cheers! 🙂

  7. says

    You nailed it leah! Its good to know that more of like this blogs are encouraging people about the advantage of life insurance. Btw, Im a financial Adviser from Sunlife. 🙂 If you need help on what investment to choose, please let me know.

    You can contact me @

    Happy investing guys! Para sa ekonomiya! Godbless us all 🙂

  8. Vanessa says

    Hi Ms. Leah, just finished reading all your articles about life insurance. And it is an eye opener. Would you mind, if I ask for the contact details of your sunlife adviser? Thanks you so much!

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