One Year Term Plan II/Five Year Term Plan II

One Year Term Plan II / Five Year Term Plan II is a term life insurance plan offering essential life protection at an affordable premium. It is guaranteed to be renewable up to age 80, giving you peace of mind and the flexibility to allocate your resources when other obligations arise.

In an unfortunate event that the insured, who is the person, covered under this policy, passes away; a Death Benefit will be paid to the beneficiaries in a lump sum to support them and help them manage their financial needs. Once the Death Benefit has been paid out, the policy will be terminated.

In addition, you have the option of converting all or part of the Sum Assured of One Year Term Plan II / Five Year Term Plan II into a whole-life basic plan with the same or lower Sum Assured.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions and full terms and conditions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

You can find details of this plan on the product leaflet of One Year Term Plan II/Five Year Term Plan II .


Additional Rider benefits:

Hospital Income Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.
If you are hospitalized, this rider benefit provides fixed daily cash for up to 1,000 days per disability. Maximum benefit payable is up to HKD1,000,000/USD120,000. It also offers 3 plan levels to suit your budget.


Remark:

  1. This rider benefit can only be attached to designated basic plans. Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.


Download product leaflet of Hospital Income Benefit

Lavender Lady's Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.
This rider benefit provides comprehensive and protection. A lump-sum benefit will be paid if you suffer from the designated female cancer and critical illness. If your looks be spoiled by an accident, the Back-To-Beauty Benefit reimburses you for the treatment cost of cosmetic surgery for facial reconstruction and skin grafts after burns.

The Mental Well-Being reimburses you for the consultation fees for psychotherapy or psychiatric treatment following the death of your spouse or children or for postnatal depression. The Accidental Death of Spouse/Son/Daughter Benefit provides 50% of Sum Assured in the event of accidental death of spouse or children.

What’s more

  1. Cash benefit if hospitalized as a result of an accident
  2. Free medical check-up
  3. Optional Carnation Pregnancy Cover

Remark:

  1. This rider benefit can only be attached to designated basic plans. Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.


Download product leaflet of Lavender Lady's Benefit

Accident Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.

In the unfortunate event due to an accident that the insured, who is the person protected under the Basic Plan, passes away, a lump-sum payment on top of the Basic Plan coverage will be paid to the beneficiaries. The amount of Weekly Indemnity Benefit and Accidental Injury and Total Disability Benefit will be doubled if the insured is a passenger in a public transport conveyance over an established land route or in an elevator for passenger (elevators in mines and construction sites are excluded) when an accident occurs, or in a burning theatre, hotel or other public building before a fire starts.

If no claims are paid for 12 months before renewal, the amount of Accidental Injury and Total Disability Benefit will be topped up by 10%, accumulate to a maximum of 50% of the original Sum Assured.


Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”) . Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.


Download product leaflet of Accident Benefit

Living Master Benefit / Living Master Extra Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.

If the insured, who is the person protected under the Basic Plan, is diagnosed with any one of the 48 designated critical illnesses, a lump-sum payment equivalent to 100% of the benefit amount will be paid. In addition, you can enjoy a peace of mind with the extra coverage from Recurring Benefit, Life Stage Benefit, and Value-added Benefit.

You can also attach the optional rider benefit, Multi Protection Benefit to have more comprehensive critical illness protection with the multiple critical illness claims.


Remark:

  1. This rider benefit can only be attached to designated basic plans(“Basic Plans”). Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details, including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.


Download product leaflet of Living Master Benefit / Living Master Extra Benefit

Total Disability Benefit and Advance Payment Disability Benefit are optional rider benefits that you can add to your Sun Life insurance plan1.
With Total Disability Benefit, the future premium of the Basic Plan and all eligible rider benefits2 attached will be waived3 in the unfortunate event that the insured, who is the person protected under Total Disability Benefit, becomes Totally Disabled4 before the age of 60. The premium waiver will continue as long as the insured remains Totally Disabled. That way, you can continue to have protection and benefits under your Basic Plan without having to pay the premium while you’re unable to work.
You can also attach the Advance Payment Disability Benefit5 to your Total Disability Benefit to offset some daily expenses that may become a burden. Advance Payment Disability Benefit provides annual advance payments in a maximum of 10 equal yearly instalments in the unfortunate event that the insured becomes Totally Disabled before the age of 60, helping the insured to pay for medical expenses and other living costs.


Remarks:

  1. These rider benefits can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. Please contact your Advisor for eligible rider benefits.
  3. If the insured recovers from Total Disability, the premium waiver will end.
  4. Totally Disabled means that the insured is (i) continuously disabled for a period of no less than 6 consecutive months; (ii) continuously unable to carry on his/her own occupation in the first 2 years of disability and to carry on any occupation thereafter (for those who have no regular occupation, it means complete inability to carry on any occupation); and (iii) under the regular care and attendance of a doctor. Total and irrecoverable loss of sight in both eyes or loss of two limbs is automatically deemed as Totally Disabled. Please refer to the Policy Document for details.
  5. Advance Payment Disability Benefit can only be purchased together with the Total Disability Benefit.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.


Download product leaflet of Advance Payment Disability Benefit


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