Flexibility and versatility are fundamental in planning, especially for the future.

Are you taking full advantage of flexibility for your own protection and your investments?

What is universal life insurance?

Universal life insurance is an all-in-one way to get the protection you need and build your savings at the same time. It combines life insurance protection for lifelong peace of mind with asset growth.

Universal life insurance is of particular interest to people who are:

  • Looking for ways to build their savings that complement their retirement saving plans
  • Aiming to enhance their estate for their children and grandchildren
  • Business owners looking for a tax-efficient way to protect the value of their business

Types of universal life insurance:

BRIGHT UL Wealth-Builder

BRIGHT UL Wealth-Builder

Benefit Term: Whole life
  • Single premium
  • Guaranteed min. interest
    rate with USD-denominated
BRIGHT UL Wealth-Builder
BRIGHT UL EternalBuilder

BRIGHT UL Eternal Builder

Benefit Term: Up to age 120
  • Guaranteed Fees & Charges
  • Guaranteed min. crediting
    interest rate
BRIGHT UL Eternal Builder
BRIGHT Universal Life (RMB)

BRIGHT Universal Life (RMB)

Benefit Term: Whole life
  • Renminbi-denominated
  • Guaranteed min. interest
    rate & Valued Client Bonus
BRIGHT Universal Life (RMB)

The above information is a product summary for reference only, please contact your Advisor for details. Please refer to the respective product brochure 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.


Product update:


Credit interest rate philosophy of respective products:


Question? Request to talk to an advisor

You will be entitled to Starbucks Gift Certificate (valued at HK$25) if successfully completes a financial health check, which refers to submission of a Sun Life’s financial needs analysis (iPad FNA App) via Sun Life advisor (subject to terms and conditions).

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