Other Savings and Investment Needs Retirement Target Savings Wealth Accumulation Education  HOPE Series  Rainbow Graduate HOPE Series By choosing to save for your child or grandchild's university education with HOPE series, you are assuring a wealth of opportunities for a successful career and a brilliant future for your next generation. What does HOPE Series offer? It is tailored for customers who are looking for a lifetime gift for the child's education fund with limited pay lifetime coverage Three choices of premium paying periods are offered to meet different financial or personal needs: Plan Premium Paying Period HOPE Educator (Single Pay) Single premium HOPE Educator 5 5 years HOPE Educator Pay to age 18 of your child Highlights: A whole life savings plan with specific premium payment choices combining a guaranteed education benefit when your child reaches age 18 with lifetime coverage. An Educational Benefit equal to 50% of the Face Amount is payable at the Policy Anniversary on or after age 18. A double protection amount is offered after the child reaches age 18 without paying premium thereafter. Level and guaranteed premiums.   Download HOPE Series Product Leaflet for details.   Supplementary Benefits for HOPE Series except HOPE Educator (Single Pay) Please Select Child Accident and Illness Benefits Crisis Advance Rider Hospitalization and Surgical Expenses Benefit 07 Hospital Income Benefit Owner Benefit upon Death Owner Benefit upon Disability or Death Optional Supplementary Benefit 07 Tender Care Benefit Worldwide Emergency Assistance Benefit Value Plus return to top This above information is subject to the terms, conditions and exclusions of the policy. Please refer to the policy provisions for details. Rainbow Graduate Rainbow Graduate is an investment-linked insurance plan specially designed to make it easier for you to establish and manage your children's education fund. Supported by the independent advice from Mercer Investment Consulting, Sun Life Financial gives you access to unique value-added services for fund selection and ongoing performance reviews. Access a wide range of professionally selected funds managed by award-winning world-class fund managers including ABN AMRO, AllianceBernstein L.P., Allianz Global Investors, Baring, First State Investments, Morgan Stanley, PIMCO and Schroder Investment, to enjoy higher potential returns, tailored to your risk profile. You can make an unlimited number of switches among the funds under Rainbow Graduate. Switches are free of charge*, and you do not incur another bid-offer spread* - even when you change fund manager. Over the years, this facility may generate substantial savings for you. Various cash withdrawal options allow you to access your accumulated education funds whenever you need them+. With our optional add-on owner benefit, Sun Life Financial will waive your supplementary benefit premiums and continue to invest for your child until his/her 25th birthday in the event of your death or continuous total disability#. We pay a unique tuition fee subsidy benefit of up to US$15,000 if you die or become totally disabled due to an accident before you turn 65#. Sun Life Financial guarantees to accept your child's insurance application made at age 21 or 25 without underwriting or medical examination#. This plan gives your child free life insurance cover of 101% of your total Investment Account Value, plus complimentary 24-hour Worldwide Emergency Assistance Benefit^. To provide extra protection for your children, you can also add our supplementary accident insurance and hospitalization benefits.    Download     Principal Brochure     Rainbow Series Fund Choice       for details. Riders and Supplementary Benefits for Rainbow Graduate Please Select Accidental Death Benefit Accidental Death & Disability Plus Benefit Child Accident and Illness Benefits Hospitalization and Surgical Expenses Benefit 07 Hospital Income Benefit Owner Benefit upon Death Owner Benefit upon Disability or Death Optional Supplementary Benefit 07 Tender Care Benefit Worldwide Emergency Assistance Benefit *  This is the current charge. Please refer to the 'Charges' section of the Principal Brochure for details. + You can withdraw your Available Investment Account Value at any time. Please refer to the 'Administration information' section in the Principal Brochure for details. # The Owner Benefit upon Disability or Death, Tuition Fee Subsidy and Guaranteed Insurability Option are subject to specific terms and conditions. Please refer to the Rainbow Graduate Principal Brochure for more details. ^ The Worldwide Emergency Assistance Benefit services are provided by a third-party company, Inter Partner Assistance Hong Kong Limited (IPA). All services provided under this Benefit are subject to the terms and conditions of IPA. This benefit is not guaranteed renewable. Please refer to the Endorsement for more details. The above content is intended for reference only. For more details, please refer to the relevant Policy Documents, Principal Brochures and the Rainbow Series Fund Choice. Investment involves risks. The price of units may fall as well as rise and past performance is not indicative of future performance. return to top © 2006, Sun Life Hong Kong Limited. 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