The Policy's fund value is NOT GUARANTEED and returns are not based on historical performance.
The Policy's fund value could be (almost always) less than the total premiums paid for a number of reasons such as charges, withdrawals or premium holiday.
The values on the proposal are for illustration purposes only.
Please do not be disheartened when your fund value is less than the total premiums paid. Bakit ka malungkot? Shouldn't your mindset be, 'Buti nga may kinita pa. Buti nga may bumalik kahit paano.'? Kapag ba nagpa-insure ka ng kotse mo, at di naman nabangga, may babalik pa ba sa iyo? So bakit ngayon you're expecting that your fund value must be equal to your total premiums paid? E hindi naman libre ang insurance coverage, di ba?
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I'd love to hear from my readers - and I respond, always. By the way, some examples might resonate with you or someone you know, please know that this is just circumstantial, and not malicious or intentional. Lastly, the views expressed here are purely mine and do not necessarily represent the views of Sun Life Philippines.