Sun Life’s Insurance = We chose Sun Life Insurance (Philippines) because it is one of the highest-rated

insurance companies in the Philippines, and we believe it will double our profits over other insurers.
Also, even if we die, we will leave money to people who will inherit our business so that they do not go
bankrupt.

PRESENT VALUE FUTURE VALUE

r mt
−mt
r

ORDINAR
POA =R
[ ] ( )
1− 1+

r
m
m
F OA=R
[ ]
( )
1+
m
r
m
−1

−12 ( 5)
Y 0.10 0.10 12( 5)
ANNUITY

[ ]
( )
POA =₱ 2,000
1− 1+
12
0.10
12
[ ]
( )
F OA=₱ 2,000
1+
12
0.10
12
−1

POA =₱ 9 4,130.74 F OA=₱ 154,874.14

r mt
−mt
r

ANNUITY
POA =R
[ ]( )
1− 1+

r
m
( )
m
1+
r
m
F OA=R
1+

[ ]( )
( )
m
r
m
−1
1+
r
m

−12 ( 5)
DUE 0.10 0.10 12( 5)

[ ](
( )
POA =₱ 2,000
1− 1+
12
0.10
12
1+
0.10
12 ) [ ](
( )
F OA=₱ 2,000
1+
12
0.10
12
−1
1+
0.10
12 )
POA =₱ 94,915.16 F OA=₱ 156 ,164.76
 DATA PREDICTION
ORDINARY ANNUITY ANNUITY DUE
180,000

160,000

140,000

120,000

100,000

80,000

60,000

40,000

20,000

0
FI X P AYMENT P R ESENT VAL UE FU TUR E VAL U E