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| Owner Benefit upon Disability or
Death |
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If the Policy owner dies or is totally disabled
before age 60, the basic plan and supplementary premiums will be waived during
the period of disability. If this Benefit is attached to Rainbow Graduate, Sun
Life Financial will pay regular contributions to the plan. |
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The benefits will last until the Insured turns 25
or the payment term of the basic plan ends, whichever is earlier. |
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| Total Disability Benefit |
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If the Insured is totally disabled between age 16
and 60, the premiums of specified basic plans and supplementary benefits will
be waived during the period of disability. |
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| Advance Payment Disability
Benefit |
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If the Insured is totally disabled before age 60,
Sun Life Financial will pay an annual benefit by advancing the Face Amount of
your Basic Plan every year, up to 10 instalments during the period of
disability. |
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| Tender Care Benefit |
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Tender Care reimburses medical expenses, including
treatments provided by a Chinese herbalist or bonesetter, which result from
injuries due to an accident. |
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You will receive a special daily allowance for up
to 90 days if the insured child is hospitalized after an accident. |
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A cash lump sum will be paid to you upon the
tragic death or loss of a limb or sight of the insured child. These benefits
will be doubled if your child is a passenger in a school bus or other public
transport conveyance when the accident occurs. |
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| Child Accident and Illness
Benefits |
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This benefit will pay out a cash lump sum to help
you pay for medical expenses if the insured child suffers from one of the
specified Critical Conditions such as Hemophilia. |
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A cash lump sum will be paid if the insured child
loses a limb, his/her sight, or suffers from major burns in an accident. |
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