Other Savings and Investment Needs Education Target Savings Wealth Accumulation Retirement  WARMTH Series  Rainbow Retirement WARMTH Series WARMTH series gives you the option and financial security of retiring in the style you want at ages 55, 60 or 65, backed by the security of permanent life coverage with guaranteed cash values up to age 100. What does WARMTH Series offer? Total guaranteed retirement bonuses, up to 150% of Face Amount, at your retirement ages The new Fixed Income Annuity Option with a 20-year guaranteed payment period offers you a regular stream of retirement money until age 100. A permanent life coverage up to age 100 with the choice to reduce the Face Amount to 75%, 50% or 25% at the Policy Anniversary on or following your retirement age is offered*. The remaining guaranteed cash value refunded can be used to pursue your retirement dreams without any delay. Level and guaranteed premiums up to retirement age 55, 60 or 65. * Subject to the current minimum issue limit. return to top Three WARMTH Retirement plans are offered to meet your retirement expectation: Plan Premium Paying Period WARMTH Retirement 55 Target for an early retirement WARMTH Retirement 60 Plan for retirement with a lower budget and a longer savings period WARMTH Retirement 65 Plan for retirement with a lower budget and a longer savings period Highlights: Tailored for customers who want to tap retirement money early with permanent life protection up to age 100. A unique design in the market with the payment of guaranteed Pre-retirement Bonus equivalent to 5% of Face Amount. Great flexibility in withdrawing the Pre-retirement Bonus with accumulated interest to meet your financial needs. Each of WARMTH Retirement plans offers various bonus payments: Three WARMTH Retirement plans are offered to meet your retirement expectation: WARMTH Retirement 55 WARMTH Retirement 60 WARMTH Retirement 65 Pre-retirement Bonus N/A 5x 5% of Face Amount 10 x 5% of Face Amount Retirement Bonus 100% of Face Amount 100% of Face Amount 100% of Face Amount Total Bonuses at Retirement Age 100% of Face Amount 125% of Face Amount 150% of Face Amount return to top WARMTH Series with Fixed Income Annuity Option Starting from age 55 up to age 70 depending on WARMTH series selected, you may exercise the Fixed Income Annuity Option that seasons your regular retirement savings strategy, WARMTH series. Highlights: A guaranteed retirement money for the rest of your life up to age 100. A minimum guaranteed payment period of 20 years. Hassle-free lifetime coverage so that your beloved ones can receive the death benefits equal to 100% of the Face Amount plus any accumulated dividends, as long as your policy is inforce. Freedom to choose to receive your accumulated dividends and any of retirement bonuses in a lump sum or deposit them into us to accumulate with interest. WARMTH Retirement 55 WARMTH Retirement 60 WARMTH Retirement 65 Benefit Type A fixed income annuity is payable up to age 100 while the life insured is alive, with a minimum guaranteed payment period of 20 years Exercise Age 55-70 60-70 65-70 Available Cash to exercise the Fixed Income Annuity Option Accumulated Dividend + Accumulated Bonuses at Retirement Age* Minimum Annuitized Amount** HK$200,000/US$25,000   Download WARMTH Series Product Leaflet for details.   * Accumulated Bonuses at Retirement Age include the guaranteed Pre-Retirement Bonus for WARMTH Retirement 60 / WARMTH Retirement 65 and Retirement Bonus. ** Subject to the Company's administration rules at the time of exercising the option. Riders and Supplementary Benefits for WARMTH Series Please Select Accident Benefit Accidental Death Benefit Accidental Death & Disability Plus Benefit Child Accident and Illness Benefits Crisis Advance Rider Carnation Pregnancy Cover Hospitalization and Surgical Expenses Benefit 07 Hospital Income Benefit Living Care Extra Benefit Lavender Lady's Benefit Owner Benefit upon Death Owner Benefit upon Disability or Death Optional Female Benefit 07 Optional Supplementary Benefit 07 Tender Care Benefit Total Disability Benefit Total Disability Benefit (on Term) Worldwide Emergency Assistance Benefit One Year Term Benefit Five Year Term Benefit 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 Retirement Rainbow Retirement is designed to help you achieve your retirement goals by investing globally through high quality funds managed by ABN AMRO, AllianceBernstein L.P., Allianz Global Investors, Baring, First State Investments, Morgan Stanley, PIMCO and Schroder Investment. Funds are selected through a rigorous selection process, supported by the independent advice of one of the world's largest investment consultants, Mercer Investment Consulting. Your investments are always managed by a team of fund specialists whose performance is carefully monitored by the professionals at Sun Life Financial. Fund switching is free and unlimited1. When you turn 652, you will receive an extra Enjoy Your Life Retirement Bonus to top up your assets. You will receive additional Birthday Bonuses3 to celebrate every birthday after your retirement. You will be rewarded with top-up contributions from Sun Life Financial starting from the 16th Policy Year to help you achieve your retirement goals even earlier. You can choose to receive your retirement fund from a Fixed Income Annuity Option4, lump sum payments or regular withdrawals to suit your needs at the time. You can benefit from Dollar Cost Averaging which gives you potentially higher returns and may reduce your exposure to market volatility. You are covered by free life insurance, a Worldwide Emergency Assistance Benefit5 and an extra accidental death benefit in the first two Policy Years at no additional charge. Your beneficiary can receive the insurance proceeds of this plan directly as such proceeds do not normally form part of your estate. We recommend you seek professional advice regarding your personal situations.    Download     Principal Brochure     Rainbow Series Fund Choice       for details. Riders and Supplementary Benefits for Rainbow Retirement Please Select Accident Benefit Accidental Death Benefit Accidental Death & Disability Plus Benefit Hospitalization and Surgical Expenses Benefit 07 Hospital Income Optional Female Benefit 07 Optional Supplementary Benefit 07 Living Care Extra Benefit Lavender Lady's Benefit Carnation Pregnancy Cover Worldwide Emergency Assistance Benefit One Year Term Benefit Five Year Term Benefit 1  This is the current charge. Please refer to the 'Charges' section in the Principal Brochure for more details. 2 If your plan is issued after age 54, you will receive the Retirement Bonus on your birthday on or immediately after the 10th Policy Anniversary. 3 One year after you receive your Retirement Bonus, we will pay out a Birthday Bonus every year. 4 This option is only applicable to insured persons who are aged 60 or below when the policy is issued. The annuity rates and all the terms and conditions are determined by Sun Life Hong Kong Limited when you exercise this option. 5 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 your reference only. For more details, please refer to the relevant Policy Documents, Principal Brochures and 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. All rights reserved. This site is best viewed with Microsoft Internet Explorer 5.5 SP2 128 bit encryption or higher.