Savings & Protection

Fulfillment ratios

Please click here for the fulfillment ratios of respective products.


Policyholder dividend and bonus philosophy

  • For participating, or with-profit, insurance a portion of the risk is borne by the policyholders or shared between the policyholders and Sun Life Hong Kong Limited. In return, policyholders may receive policyholder dividends or bonuses, although these are not guaranteed.
  • Please click the following links for more information on the dividend or bonus philosophy for each of our participating and with-profit policy types.

Sun Life Hong Kong Limited Reversionary/Terminal/Special Bonus policies

  • Individual participating policies issued by Sun Life Hong Kong Limited with Reversionary/Terminal/Special Bonuses, in particular LIFE Brilliance policies.

Policies issued by Sun Life Financial (Hong Kong) Limited or Sun Life Hong Kong Limited other than Reversionary/Terminal/Special Bonus policies

  • Individual participating policies issued by Sun Life Financial (Hong Kong) Limited after March 31, 2000 but on or before March 17, 2006; or
  • Individual participating policies issued by Sun Life Hong Kong Limited after March 17, 2006; other than Sun Life Hong Kong Limited Reversionary/Terminal/Special Bonus Policies.

Policies issued by Sun Life Assurance Company of Canada prior to April 1, 2000

  • Individual participating policies issued on or before March 31, 2000 by Sun Life Assurance Company of Canada which were transferred to Sun Life Financial (Hong Kong) Limited in 2000 and were subsequently transferred to Sun Life Hong Kong Limited in 2006.

Policies issued by CMG Asia Limited

  • Individual participating policies issued by CMG Asia Limited (now named Sun Life Hong Kong Limited) based on applications signed on or before March 17, 2006; or
  • 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) on or before October 1, 2006.

Policies issued by Guardian Assurance Public Limited Company

  • With-profit policies issued on or before June 30, 1999 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.

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Contact us

At Sun Life Hong Kong, we aim to provide excellent customer service at all times.


Customer Service Hotline
(852) 2103 8928

Pensions Services Hotline
(852) 3183 1888 (for Sun Life Rainbow MPF Scheme and Sun Life Rainbow ORSO Scheme)
(852) 2971 0200 (for Sun Life MPF Master Trust)

Group Insurance Administration Hotline
(852) 3183 2099