With participating or with-profit insurance, a portion of the life insurance risk is shared between the policyholders and Sun Life Hong Kong Limited. In return for sharing this risk, policyholders may receive policyholder dividends or bonuses, although these are not guaranteed.

Please go to the following links for more information.

Guardian Block

• Bonus Rates on Individual With-Profit policies issued by the Hong Kong Branch of Guardian Assurance Public Limited Company and transferred to CMG Asia Limited (now named Sun Life Hong Kong Limited) in 1999.

Sun Life Closed Block

• Dividends on Individual Participating Policies issued by Sun Life Assurance Company of Canada and transferred to Sun Life Financial (Hong Kong) Limited in 2000 and subsequently transferred to Sun Life Hong Kong Limited in 2006.

CMG Participating Block

• Dividends on Individual Participating Policies issued by CMG Asia Limited (now named Sun Life Hong Kong Limited) based on application signed date on or before March 17, 2006, or
• Dividends on Individual Participating Policies issued by CMG Asia Limited or Sun Life Hong Kong Limited resulting from conversions of term policies (originally issued by CMG Asia Limited) up to October 1, 2006.

Sun Life Open Block

• Dividends on Individual Participating Policies which are not included in the Guardian Block, Sun Life Closed Block, or CMG Participating Block.