FOR THE FINANCIAL PLANNING OF JACKIE LUNA

Policy Owner: Jackie Luna

Priority: Savings; Investment and Protection
Needs: Critical illness insurance benefit: ideally Php 2-4M
Monthly allowance:
Target retirement age: 60 years old
Average life expectancy: 100 years old
Average annual inflation rate: 3%
Age: 26

OVERVIEW
OPTION 1 OPTION 2 OPTION 2 OPTION 2 OPTION 2
Policy Name PAA + PAA + PAA + PAA + PAA +
Annual Savings 72,000 48,000 30,000 24,000 18,000
Monthly Savings 6,000 4,000 2,500 2,000 1,500
Savings Term in Years 30 (Flexible) 30 (Flexible) 30 (Flexible) 30 (Flexible) 30 (Flexible)
PROTECTION COMPONENT *
Death Benefit (sum assured indicated; on top of the investment component) 2,000,000 2,000,000 2,000,000 1,500,000 1,000,000
Future Safe Rider 1,000,000 1,000,000 1,000,000 - -
Accelerated Total and Permanent Disability (TPD) 1,000,000 1,000,000 _ 500,000 500,000
Accidental Death and Disablement 60,000 60,000 60,000 60,000 60,000
Personal Accident - Accidental Death and Disablement 1,000,000 1,000,000 1,000,000 800,000 500,000
Personal Accident -Accidental Total and Permanet Disability 1,000,000 1,000,000 1,000,000 800,000 500,000
Personal Accident - Murder and Assault 500,000 500,000 500,000 400,000 250,000
Personal Accident - Double Indemnity Benefit 1,000,000 1,000,000 _ _ _
Personal Accident - Accidental Medical Reimbursement 100,000 100,000 _ _ _
Accelerated Life Care Benefit (effective in 90 days) _ _ _ _ _
Multiple Life Care Plus 1,000,000 _ _ _ _
Life Care Plus _ _ _ _ _
Waiver of Premium on TPD 60,000 36,000 _ _ _
Life Care Waiver 60,000 36,000 30,000 24,000 _
Hospital Income Rider Benefit (effective in 30 days) 36,000 27,000 3,000 3,000 1,000
Daily Hospital Income 2,000 1,500 1,000 1,000 1,000
Surgical Expense Reimbursement Benefit 30,000 22,500 _ _ _
Long Term Hospitalization Benefit _ _ _ _ _
Intensive Care Unit Benefit 4,000 3,000 2,000 2,000 _
INVESTMENT COMPONENT **
Your Age
Projected Fund Value at Year 5 31 129,780 53,753 51,707 44,045 41,384
Total Savings Invested 360,000 144,000 90,000 72,000 54,000
Projected Fund Value at Year 10 36 527,902 239,925 217,817 185,699 162,043
Total Savings Invested 720,000 480,000 300,000 240,000 180,000
Projected Fund Value at Year 15 41 1,161,802 559,586 501,458 428,044 367,507
Total Savings Invested 1,080,000 720,000 450,000 360,000 270,000
Projected Fund Value at Year 20 46 2,104,469 1,057,618 945,007 809,782 695,224
Total Savings Invested 1,440,000 960,000 600,000 480,000 360,000
Projected Fund Value at Year 34 60 7,853,143 8,177,961 7,333,764 6,545,157 5,856,214
Total Savings Invested 2,448,000 1,632,000 1,020,000 816,000 612,000
Projected Fund Value at Year 39 65 12,055,431 12,819,816 11,483,814 10,385,747 9,393,002
Total Savings Invested - 2,808,000 1,872,000 1,170,000 936,000 702,000

Notes:
* Effective upon approval unless otherwise stated.
** Chosen fund is Equity Fund, projected at 10% per annum for the purpose of illustration. Annual historical compounded rate is 14.54% since inception.
** Investment returns used are net of final tax, annual management charge and other investment expenses.
** Loyalty bonus of 10% will be added to the fund value on the 11th - 20th year if premiums are paid on or before the due date.
** Fund allocation is at 0%, 50% and 50% on Year 1, 2 and 3 respectively. Premiums will be 100% allocated to the fund’s investments on Year
4 onwards.

Prepared by:
ANNA KATRINA R. SARMIENTO
Assistant Unit Manager