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Stellar Multi-Currency Plan

Stellar Multi-Currency Plan

Stellar Multi-Currency Plan is a participating insurance plan that enables you to accumulate savings and pass down your wealth through generations, with flexible policy options for unlimited change of insured and coverage should you have the need, and multi-currency features that let you easily adapt your plan to life’s unexpected changes. 

Highlights:

  1. Possess long-term savings and wealth growth potential
  2. Currency Change Option1 to provide flexibility to change your policy's currency between 4 options to fit your future plans
  3. Offer Waiver of Premium Benefit2, Payor Benefit2 and Premium Holiday Option3 for 6, 12 and 18-Pay policies to ease your financial burdens and accompany you through different stages of life
  4. Unlimited Change of Insured Option4 and Change of Coverage Option4 when needed to enable uninterrupted legacy planning
  5. Free Policy Split Option5 to execute when you are alive or upon death of Designated Insured, the designated beneficiary could automatically become the New Insured which facilitates uninterrupted legacy planning
  6. Comprehensive Death Benefit Settlement Options6 that can tailor to each beneficiary and let your love sustain, including a First-in-market option to help your beloved to ease the difficult moments and pass on your wealth
  7. Support you with the Mental Incapacity Benefit7 no matter what life brings
  8. Safeguard your wealth through Designation of Contingent Policy Owner Option8 which allows designated Contingent Policy Owner to automatically become the new policy owner, and ensure the inheritance of wealth from generation to generation
  9. Flexible withdrawal option with cross-border payment service9 to facilitate your financial planning in different places in the world 

Learn more about ESG

 E S  G

refers to Environmental,

which covers areas such as climate change, resource scarcity and environmental pollution.

refers to Social,

which focuses on topics like labour issues, public health and cyber security.

refers to Governance, 

which is about factors such as board diversity, structure and company policies.

Broadly speaking, ESG is a tool to analyze sustainability of a company. You can expect a more sustainable return and lower risk from companies with outstanding ESG rating. For those companies with higher ESG rating, it is expected to expose to a lower potential risk resulting from incidents such as worker strikes, litigation and negative publicity, which may cause lower future returns. As such, monitoring such ESG rating of an investment can probably led to better risk-adjusted return. ESG rating can be regarded as intangible assets of a responsible company such as Sun Life and it is an important indicator of our commitment on sustainable development.

Download ESG Flyer

Limited Time Offer:

Enjoy up to 86% premium rebate for Stellar Multi-Currency Plan

From now to June 30, 2024

If you successfully apply for Stellar Multi-Currency Plan with designated AFYP requirement, you will be entitled up to 86% premium rebate of AFYP!

The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.

  1. The application for Currency Change Option can be made once per policy year only. Upon approval of the currency change, the policy year, maturity date, policy owner and insured(s) of the New Policy after Currency Change etc. will be same as the Original Policy before Currency Change and no cooling-off period is available for the New Policy after Currency Change. The Notional Amount of the New Policy after Currency Change cannot be less than the minimum amount requirement as required by the then current administrative rules. The application for the currency change cannot be withdrawn or changed once the application for currency change is approved and completed. Currency Change Option is subject to the approval of the Company at its sole and absolute discretion, and fulfilment of conditions stated in the in the Policy Document.
  2. (Applicable to 6,12 and 18-Pay policies only) If your chosen coverage is Joint Life, both insureds must reach age 18 or above for Waiver of Premium Benefit; while one of the insureds must age under 18 for Payor Benefit. This is subject to the then current administrative rules and approval by Sun Life. 
  3. (Applicable to 6,12 and 18-Pay policies only) The Premium Holiday Option is subject to the prescribed conditions set out in the policy provisions being fulfilled, the then current administrative rules, underwriting rules, any other requirements and the approval of Sun Life. Upon approval of Premium Holiday, Sun Life will not declare any face value and cash value of Reversionary Bonus under the policy and the Guaranteed Cash Value, face value and cash value of the accumulated Reversionary Bonus (if any) will be maintained at the level immediately before the Premium Holiday Period starts. Please refer to a sample Policy Document for details including definitions of capitalized terms and full terms and conditions of coverage.
  4. The Change of Coverage Option and Change of Insured Option are subject to the prescribed conditions set out in the policy provisions being fulfilled. Please refer to sample policy provisions for details.
  5. The application for Policy Split Option can be made once per policy year only. Upon approval of the Policy Split, the policy year, maturity date, policy owner and insured(s) of the Split Policies etc. will be same as Original Policy and no cooling-off period is available for Split Policies. The Notional Amount of Split Policies cannot be less than the minimum amount requirement as required by the then current administrative rules. The application for the Policy Split cannot be withdrawn or changed once the Policy Split is approved and completed.
  6. The Death Benefit Settlement Option may be exercised subject to a minimum amount of Death Benefit and the then current administrative rules determined by Sun Life from time to time.
  7. It is only applicable if (a) the policy owner and the relevant insured must be the same person at the time you apply for the designation of Mental Incapacity Benefit Recipient; (b) the proposed Mental Incapacity Benefit Recipient must be age of 18 or above; (c) satisfactory evidence of the proposed Mental Incapacity Benefit Recipient according to our then current administrative rules; and (d) the irrevocable beneficiary(ies) (if any) and the assignee (if any) must agree in writing to the requested designation of (i) the Mental Incapacity Benefit Recipient and (ii) the Mental Incapacity Benefit Percentage. And it will be automatically revoked when (a) you designate a new Mental Incapacity Benefit Recipient and it is approved by Sun Life; (b) the policy owner is no longer the insured if your chosen Coverage is Single Life or any one of the insureds if your chosen Coverage is Joint Life after the change of insured; (c) any change of policy owner of the policy; (d) Sun Life has been notified that there is a guardian or committee appointed under the Mental Health Ordinance (Cap. 136 Laws of Hong Kong SAR) (or if there is a guardian or committee appointed under similar laws in another jurisdiction); or (e) Sun Life has been notified that the policy owner has an enduring power of attorney covering the policy. In the event that there is a dispute between the Mental Incapacity Benefit Recipient and any other person, including but not limited to the insured's guardian, committee, attorney, beneficiary(ies), assignee or in our reasonable belief that there is such a dispute, Sun Life reserves the right to withhold the payment of Mental Incapacity Benefit until such dispute is resolved.
  8. The Designation of Contingent Policy Owner Option is subject to the prescribed conditions set out in the policy provisions being fulfilled, the then current administrative rules, underwriting rules, any other requirements set out in the prescribed forms designated by Sun Life and the approval of Sun Life. requirements set out in the prescribed forms designated by Sun Life 
  9. The cross-border payment service is an administrative service provided by the third-party banks / service providers, subject to the then prevailing internal guidelines of us. This service is not guaranteed, and we may, at its sole discretion, amend or terminate this service without notice in advance. The provision of the cross-border payment service shall be subject to applicable laws, regulations and guidelines from regulatory authorities of the relevant jurisdictions. This service may not be available in some countries and/or regions. Please check with your local bank. We are not responsible for any act, negligence or failure to act on the part of the relevant third-party banks / service providers. We will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the service.

The above information is a product summary only, please contact your Advisor for details. Please refer to the product brochure and sample Policy Document for details including definitions and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

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