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| SunWealth |
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| SunWealth is an one-off-investment solution that helps you achieve a better growth potential over medium to long term through a wide range of quality funds on top of a lifetime protection. |
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| A Growth Potential Portfolio Working
for You |
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With a minimum single contribution of US$8,000, you may create a balanced investment portfolio from a wide range of quality funds offered by experienced investment managers - select portfolios, lifestyle portfolios, bond funds, equity funds and cash fund featuring different risk and return characteristics. |
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You can get your investment dollars working hard for you without paying bid-offer spread charges1 and enjoy 12 free fund switching requests each policy year2 currently. |
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| Dual Bonuses3 to reap from the growth potential |
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You will receive a Top-up Bonus at the end of the 1st policy year to increase growth potential if your single contribution reaches US$25,000; and |
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You may potentially receive a Loyalty Bonus based on your Monthly Average Fund Value annually starting from the end of the 4th policy year. |
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| Whole life protection |
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SunWealth provides you with a lifetime coverage up to age of 100 with no underwriting required. |
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The death benefit amount, equivalent to 101% of your fund value, will be payable in a lump sum to the designated beneficiary upon the Insured's death. |
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| Access to your money |
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Partial withdrawal: In case of emergency or financial needs, you may make a partial withdrawal4 from your funds at any time and the amount of withdrawal may be subject to an Early Encashment Charge5 during the first four policy years. |
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Lump sum withdrawal: To reap the rewards of the years of your investment, you may also request a full payment of your cash value6 after which your plan will draw to a close. |
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| Free Worldwide Emergency Assistance Benefit7 |
| When you travel, SunWealth's 24-hour Worldwide Emergency Assistance Benefit provides you with comprehensive protection covering transfer to a hospital, provision of a pre-paid deposit of up to HK$40,000 for hospital admission plus emergency rescue and repatriation services. |
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| 1 |
Administration Charge will be deducted by an automatic monthly unit redemption from your investment fund(s). You should consider all types of charges of an investment-linked product before making a decision. Please refer to 'Charges' section in the relevant Product Brochure for details. |
| 2 |
Please refer to 'Charges' section in the relevant Product Brochure for details. |
| 3 |
Bonus allocations are subject to different terms and conditions specified by the Company. Please refer to 'Dual Bonuses' section in the relevant Product Brochure for details. |
| 4 |
The policy will lapse if the fund value is not sufficient to cover the Administration Charge. Please refer to 'Charges' section in the relevant Product Brochure for details. Partial withdrawal is subject to specified conditions, please refer to 'Access to your money' section in the relevant Product Brochure for details. |
| 5 |
Please refer to 'Charges' section in the relevant Product Brochure for details. |
| 6 |
Cash value is equal to your fund value less the Early Encashment Charge. If you fully withdraw the cash value, your policy will be terminated. |
| 7 |
Worldwide Emergency Assistance Benefit services are provided by a third-party company, Inter Partner Assistant Hong Kong Limited (IPA). All services provided under this benefit are subject to the terms and conditions of IPA. This benefit is not guaranteed to be renewable. Please refer to the Endorsement for details. |
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| SunWealth is an investment-linked insurance plan. Investment involves risks. Funds which are invested in emerging markets may also involve a higher degree of risk than in developed markets. Alternative Investment Funds undertake special risks that may lead to substantial lose of capital. The price of units may fall as well as rise and past performance is not indicative of future performance. The value of units may vary due to changes in exchange rate between currencies. |
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| For details (including fees and charges), please refer to the SunWealth Policy Document and Principal Brochure (Product Brochure and Fund Guide). A sample of the Policy Document will be made available by Sun Life Hong Kong Limited. |
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| SunAchiever |
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| With SunAchiever, a flexible
investment-linked insurance plan, you and your family can enjoy the best of
both worlds: protection for your loved ones plus the potential growth of your
investment. |
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| A Growth Potential Portfolio Working
for You |
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Create a balanced investment portfolio from a wide
range of quality funds offered by experienced investment managers |
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Utilize your investment dollar without paying
bid-offer spread charges1 |
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Enjoy up to 12 free fund switching requests per
policy year2 currently
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| Triple Bonuses3 to grasp the
growth potential |
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You will receive extra First Year Bonus on
the 1st policy anniversary to increase growth potential if you select a plan
with an Annualized Committed Contribution of US$2,500 or above.
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You may potentially receive a regular Savings Bonus
at the end of the 10th policy year and every 5th policy year thereafter to
increase the power of your investment. |
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You may potentially receive a lump sum Commitment
Bonus at the end of Contribution Payment Term to reward your pledge to
reach your savings target period. |
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| Dual Protection |
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Whole Life Protection provides you with a
lifetime insurance coverage up to age 100 |
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Accidental Death Benefit protects you and
your family from unforeseen financial hardships as a result of a serious
accident causing death within the first 2 policy years |
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| Flexibility to handle your contribution |
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Contribution Payment Term: plan more
efficiently by opting for a payment period that suits you |
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Contribution Holiday: allows you to suspend
contributions temporarily after the Mandatory Contribution Period in response
to your financial needs |
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Vary your regular contribution amount4:
increase or decrease your regular contribution amount any time after the
Mandatory Contribution Period according your financial situation
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Access to your money5: cash out
your money whenever you need from the 25th policy month or after the Mandatory
Contribution Period, whichever is later |
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| Riders and Supplementary Benefits for
SunAchiever |
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| 1 |
Policy charges will be deducted by automatic monthly
unit redemption from your investment fund(s) regardless of payment modes. You
should consider all types of charges of an investment-linked product before
making a decision. Please refer to 'Charges' section in the relevant Product Brochure for details. |
| 2 |
Please refer to 'Charges' section in the relevant Product Brochure for details. |
| 3 |
The First Year Bonus is guaranteed to be a percentage of
your regular contributions paid in the 1st policy year. Sun Life Hong Kong
Limited may revise the Savings Bonus and Commitment Bonus from time to time.
Bonus allocations are subject to different conditions specified by the Company.
Please refer to 'Triple Bonuses' section in the relevant Product Brochure for details. |
| 4 |
The change in regular contribution amount will not lead
to a reduction in the monthly deductions as shown in the 'Charges' section in
the relevant Product Brochure. Policy will lapse if the
fund value is not sufficient to cover the policy charges. Besides, the total
regular contributions made to the policy are subject to a maximum of the
Annualized Committed Contribution multiplied by the Contribution Payment Term. |
| 5 |
It may be subject to a surrender charge. Please refer to
'Access to your money' and 'Charges' sections in the relevant Product Brochure for details. |
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| SunAchiever is an investment-linked insurance plan. Investment involves risks. Funds which are
invested in emerging markets may also involve a higher degree of risk than in
developed markets. Alternative Investment Funds undertake special risks that may lead to substantial lose of capital. The price of units may fall as well as rise and past
performance is not indicative of future performance. The value of units may
vary due to changes in exchange rate between currencies. |
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| For details (including fees and
charges), please refer to the SunAchiever Policy Document and Principal
Brochure (Product Brochure and Fund Guide). A sample of the Policy Document will be made available by Sun Life
Hong Kong Limited. |
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| PowerOne Universal Life |
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| Have you safeguarded your hard-earned
money while reaping a considerable return? Have you set aside money for
unexpected expenses? The secret to accumulating wealth is a well-balanced
combination of different investment or savings vehicles achieving long-term
financial security. |
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| PowerOne Universal Life is a life
insurance with a unique mix of benefits and guarantees that fulfill your
diversified needs: |
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One-off payment for lifetime financial
security |
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Interest is accrued and earned daily at the
crediting interest rates* |
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Upside return potential with the minimum average
growth guaranteed to be 3.25%+ p.a. on the 10th policy anniversary |
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Cash-out flexibility |
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| * |
The crediting interest rate is set by Sun Life Financial
and is subject to changes from time to time at our sole discretion. |
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If your policy is terminated within the first 10 policy
years, the guaranteed interest rate shall not apply. |
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| FUTURITY Guaranteed Interest
Fund (FGIF) |
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| Are you looking for the following? |
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No upfront charge |
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Competitive guaranteed return at maturity |
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Death benefit exempt from estate duty |
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Instant approval to offer immediate protection |
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| Then FGIF is what you're looking for.
This guaranteed investment will invest your money in a 5-year or 8-year
Guaranteed Interest Fund, which offers you a guaranteed return at maturity.
Your interest will also be earned and accrued daily within the fund until its
maturity. |
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| If the unexpected happens, we will
also pay 101% of the fund value at death directly to your beneficiary(ies)
without any lengthy delay. The death proceeds are exempt from estate duty under
the Estate Duty Ordinance. |
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| The above information is subject to the
terms, conditions and exclusions of the policy. Please refer to the policy
provisions for details. |
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| Rainbow WealthMaster |
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Rainbow WealthMaster is an
investment-linked insurance plan that offers access to a wide range of
carefully selected funds with an Initial Investment as little as US$5,000. |
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These funds are managed by award-winning managers
including ABN AMRO, AllianceBernstein L.P., Allianz Global Investors, Baring,
First State Investments, Morgan Stanley, PIMCO and Schroder Investment*. |
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Fund switching is unlimited and free of charge
across all funds and fund managers+. |
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By making use of the Sun Life-Baring US Dollar
Fund, your capital can stay in this plan before you make your next investment
decision. You do not need to pay a switching fee - or another bid-offer spread
- for this enormous flexibility+. |
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Sun Life Financial carefully monitors each fund
manager's performance. Fund choices are added to the plan as opportunities
arise. |
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| * |
Past performance of fund managers is not indicative of
future performance. |
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This is the current charge. Please refer to the
Principal Brochure for details. |
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| The above content is intended for 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. |
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