Client Suitability Assessment
This form aims to help you come up with a customized financial plan by determining your financial need(s) and risk appetite.
Personal Information of Client
Name
*
Last Name
First Name
Middle Name
Financial Needs Analysis
1. What is your life stage? (choose one)
*
Getting Started (Building independence and confidence)
Moving Up (Prioritizing family above all)
Preparing Ahead (Nurturing my health and wealth)
Leaving a Legacy (ensuring lasting golden years)
2. What is/are your objective(s) for purchasing our product? (Choose all that apply)
*
Income Protection (Monday to protect against financial setbacks (e.g. death, accident, disability, etc.)
Health Protection (Money to cover medical expenses(e.g. critical illness, hospitalization, etc.)
Education (Money for your child’s college education)
Retirement (Monday for a comfortable retirement)
Life Milestones (Money for your life milestones and other needs)
Estate Transfer (Money to efficiently transfer wealth to loved ones)
3. What type(s) of products are you looking for to meet your objective(s) above? (Choose all that apply)
*
Insurance (e.g. term insurance); Insurance product without any savings or investment element
Insurance with Savings (e.g. traditional participating policy); Insurance product with savings but without an investment element
Insurance with Investment (e.g. variable unit-linked); Insurance product with investment risks borne by you
Investment (e.g. mutual fund); Investment product with no insurance protection; risks borne by you
For "Insurance" and "Insurance with savings" answer up to question #5 ONLY (if applying for a traditional plan)
For "Insurance with Investment" and "Investment" answer ALL questions, up to #11 (if applying for a variable life insurance plan or investing in a mutual fund)
4. For how long are you able and willing to contribute and keep THIS application? (Choose one)
*
1 year
5 years
10 years
Over 20 years
Whole Life
5. what percent of your investible/financial assets* will be set aside for THIS application? **cash, deposits, mutual funds/UITFs, stocks, or any asset easily converted to cash
*
Less than 5%
5% to 15%
16% to 25%
26% to 35%
Over 35%
Approximate Net Worth
*
Under PhP 1 Million
1 Million to 15 Million
Over Php 15 Million
NOTE: Sun Life of Canada (Philippines), Inc. does not recommend exposure to a single product to 20% of your investible/financial assets. In order to manage risks, it is recommended that you diversify your assets.
Risk Profiling
6. How much is your knowledge of investments?
*
No knowledge
Limited (I have limited knowledge of investments outside of bank deposits)
Moderate (I have some knowledge of investments like bonds, stocks, and pooled funds)
Good (I have general knowledge of investments like bonds, stocks, mutual funds and derivatives)
Extensive (I have extensive knowledge of investments like bonds, stocks, mutual funds, derivatives, and structured products)
7. How many years have you been investing in stocks, bonds, and mutual funds/UITFs? (Choose one)
*
No experience
Less than one (1) year
One (1) year of Five (5) years
Six (6) years to Ten (10) years
Over Ten (10) years
8. How would you best describe your investment objective and the level of risk you can take? (Choose one)
*
Capital preservation: I want my capital secured even if the investments provide low returns.
Regular Income: I prefer investments that provide a predictable flow of income, as opposed to funds that widely fluctuate.
Income and growth: I seek a regular flow of income but will accept some volatility for capital growth. I prefer investments that provide both opportunities to earn income and to grow over time.
Capital growth: I seek long-term growth with some income. I am comfortable with volatility in order to achieve capital growth.
Capital appreciation: I seek capital appreciation and fully accept volatility. I prefer high-risk investments with high potential returns.
8. How would you best describe your investment objective and the level of risk you can take? (Choose one)
*
Capital preservation: I want my capital secured even if the investments provide low returns.
Regular Income: I prefer investments that provide a predictable flow of income, as opposed to funds that widely fluctuate.
Income and growth: I seek a regular flow of income but will accept some volatility for capital growth. I prefer investments that provide both opportunities to earn income and to grow over time.
Capital growth: I seek long-term growth with some income. I am comfortable with volatility in order to achieve capital growth.
Capital appreciation: I seek capital appreciation and fully accept volatility. I prefer high-risk investments with high potential returns.
8. How would you best describe your investment objective and the level of risk you can take? (Choose one)
*
Capital preservation: I want my capital secured even if the investments provide low returns.
Regular Income: I prefer investments that provide a predictable flow of income, as opposed to funds that widely fluctuate.
Income and growth: I seek a regular flow of income but will accept some volatility for capital growth. I prefer investments that provide both opportunities to earn income and to grow over time.
Capital growth: I seek long-term growth with some income. I am comfortable with volatility in order to achieve capital growth.
Capital appreciation: I seek capital appreciation and fully accept volatility. I prefer high-risk investments with high potential returns.
9. How much are you willing to invest in higher-risk investments? (Choose one)
*
Less than 20%
21% to 40%
41% to 60%
61% to 80%
Over 80%
9. How much are you willing to invest in higher-risk investments? (Choose one)
*
Less than 20%
21% to 40%
41% to 60%
61% to 80%
Over 80%
Declaration and Signature
Client Suitability Assessment
I understand that this assessment is based on the information/data I provided and is designed to help me evaluate my financial needs as at the date of this declaration. I am aware that my financial needs may change over time depending on my personal situation and objectives. I understand that any incomplete or inaccurate information I provide may affect this assessment. Therefore, this assessment is intended for reference only and does not constitute, in any manner, advice given by the Company. No guarantee is given as to the accuracy or completeness of the suggestions and recommendations provided in this assessment.
Portfolio Selection
I understand that the allocation of my premiums should be consistent with my risk profile as reflected in the results of this assessment. If however, I decide to allocate my funds differently from such results, either now or in the future, I acknowledge that I shall bear the consequences of my decision to invest in products/investments with higher risk. I further hold Sun Life, its representatives, employees, officers, directors and successor-in-interest, free and harmless from any and all, liabilities, claims, opportunity cost and causes of action of whatever kind or nature that may affect me as a result thereof.
Signature of Client
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