- Guaranteed Cash Value helps build your savings steadily from day one of your policy
- Enjoy guaranteed growth that lasts up to 120 policy years
- Bonuses (which are not guaranteed) may boost long-term potential growth
Looking for a legacy solution for your loved ones' prosperous future?
With SunGift Global Insurance Plan II, you may grow your savings and prepare a lasting financial legacy for the next generation, while preserving your wealth through responsible investment. Designed with flexibility in mind, this plan helps you pass on your wealth seamlessly, so your legacy continues for years to come.
Long-term growth potential
Multi-currency flexibility for global goals
- Flexibly switch your policy currency from 3rd policy anniversary onward
- Choose from 9 currencies including USD, CAD, GBP, RMB, AUD, HKD, EUR, SGD, or AED
- Ideal for overseas study or retirement plans
Flexible control and access during lifetime
- Split your policy into two or more new policies to distribute your wealth seamlessly from 3rd policy anniversary onward
- Withdraw policy values according to your needs
- Transfer withdrawals to the overseas bank account of your designated recipient with ease
Flexible legacy planning
- Flexibly adjust who is covered and transfer your policy to your loved ones to support long-term wealth planning
- Decide how your loved ones receive the Death Benefit (Learn more about Death Benefit Settlement Option)
- Name backup policy owners for added flexibility and greater future certainty
Support during unexpected life events
- Support if you are unable to manage your own affairs (Learn more about Incapacity Support Service)
- Plus extra support with a boost in benefit payout in case of an accident
- You can defer or waive your future premiums if something serious happens to you
Enjoy greater certainty over potential gains
- Lock in and secure a portion of your policy value from the 5th policy anniversary onward, to enjoy greater certainty
- Let your locked-in value grow
Real-life impact
Mr. Chan, 30 – Planning for his child’s future
Mr. Chan is a new father who wants to give his daughter a strong start in life without feeling financially stretched later on. He starts SunGift Global Insurance Plan II when she is born, knowing he only needs to pay premiums for 5 years with an annual premium of USD50,000.
As his daughter grows, at 18th policy year, Mr. Chan withdraws USD37,500 annually for 4 years to support her overseas university education. The remaining savings continue to grow, and from 22nd policy year onwards, he later withdraws USD37,500 annually to support his retirement.
Mr. Cheung, 35 – Supporting life across borders
Mr. Cheung works in Asia and plans to relocate his family to Canada. At age 35, he starts a SunGift Global Insurance Plan II (2-year premium payment with an annual premium of USD100,000) to build long-term savings.
After moving overseas, he switches his policy currency to support his new lifestyle. At 15th policy year, Mr. Cheung withdraws CAD150,000 for a property down payment, while the remaining savings continue to grow for his family needs. He later passes the policy to his daughter, who continues the legacy by sharing it with her son.
Ms. Lee, 60 – Leaving something meaningful behind
Ms. Lee starts a SunGift Global Insurance Plan II (5 year premium payment) with an annual premium of USD30,000 to build and preserve her wealth for the future. When her grandson turns 20 (i.e. at 20th policy year), she transfers the policy ownership to him, allowing the savings to keep growing across generations.
With an expected value of over USD 400,000 and the potential for further growth, Ms. Lee’s decision enables her to turn her efforts into a lasting financial legacy for her grandson.
Your questions answered
1. What is SunGift Global Insurance Plan II?
It is a life insurance plan with savings element that helps you grow wealth and support your family over time.
2. Who is this plan suitable for?
It suits people who want to build long-term wealth with flexible legacy options through simple 2 or 5‑year premium payments.
3. How long do I pay premiums?
You choose to pay for either two years or five years.
4. Is my policy value guaranteed?
You can enjoy Guaranteed Cash Value, and you will receive non-guaranteed bonuses over time.
5. What is Guaranteed Cash Value?
Guaranteed Cash Value is a portion of your policy value that grows steadily from policy inception until the end of 120th policy year, staying the same thereafter.
6. Can I change the policy currency later?
Yes. You can switch between nine currencies² according to your needs, starting from the 3rd policy anniversary.
7. Can I access my savings?
Yes. You can withdraw money as you wish, and even transfer funds to eligible overseas bank accounts (click here to know more about SunWallet). However, withdrawal(s) will reduce the policy value and may be treated as partial surrender.
8. Can the interest rate on my locked in value change?
Yes. The interest rate may be adjusted from time to time. This means the growth of your locked in value may vary, depending on market conditions.
9. Can this plan help my children or grandchildren before or after I’m gone?
Yes. It is designed to support your family across more than one generation.
10. Does everything end when I pass away?
No. Your savings can keep supporting your family after you’re gone, creating a lasting legacy.
11. Will I get extra protection in case of an accident?
Yes. The plan will protect the insured against an accident with a boost in benefit payout to policy owner.
12. How does Sun Life incorporate ESG considerations into its investments?
As part of our commitment to responsible investing, Sun Life considers Environmental, Social and Governance (ESG) factors in its investment process where appropriate. Our responsible investment approach aims to support long-term value creation while helping to manage investment risks. However, ESG considerations form part of the overall investment management approach and are not a guarantee of investment performance or specific ESG outcomes.
Note: If there's a difference between what's on this page and the insurance policy, the policy is what counts.
What is ESG
ESG is a tool to analyze sustainability of a company. You can expect a more sustainable return and lower risk from companies with outstanding ESG rating. For those companies with higher ESG rating, it is expected to expose to a lower potential risk resulting from incidents such as worker strikes, litigation and negative publicity, which may cause lower future returns.
- E - Refers to Environmental, which covers areas such as climate change, resource scarcity and environmental pollution.
- S - Refers to Social, which focuses on topics like labour issues, public health and cyber security.
- G - Refers to Governance, which is about factors such as board diversity, structure and company policies.
Client Offers
Enjoy up to 75% premium rebate of AFYP for SunGift Global Insurance Plan II
From now until September 30, 2026
If you successfully apply for SunGift Global Insurance Plan II with designated AFYP requirement, you will be entitled up to 75% premium rebate on AFYP! The offer is subject to terms and conditions. Please download and refer to the promotion leaflet for details.
Enjoy Exclusive Medical Services for SunJoy Global Insurance Plan II/ SunGift Global Insurance Plan II
From now until September 30, 2026
Upon successful application to SunJoy Global Insurance Plan II/ SunGift Global Insurance Plan II, you, the insured and his/her immediate family members can enjoy Free Medical Services including:
- Medical Concierge Services
- AdvicePro (Face-to-face Second Medical Opinion Service)
- Mainland China VIP Medical Navigation Services
- Medical Green Channel
- Overseas Medical Referral and Arrangement Service
- Comprehensive Genomic Profiling
Catch the limited time offer for HK$100 Starbucks e-voucher
By Dec 31, 2026
- Meet with one of our appointed advisors after submitting the enquiry form below and
- Complete the eFNA
You will have the chance to receive a HK$100 Starbucks e-voucher!
*Offer is subject to terms and conditions. First come, first served basis is applied.
The following terms and conditions apply to the offers (“Offers”) from Jan 1, 2026 to Dec 31, 2026, both days inclusive (“Promotion Period”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions. The gourmet voucher is only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.
- The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
- Participants need to complete all the following steps in order to participate (“Eligible Participants”),
- fill in the form on Sun Life website; and
- meet with the designated advisor and complete the eFNA.
- The submission time and status (successful or otherwise) will be based on the records kept by Sun Life . This offer will close after the Promotion Period.
- Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
- The gourmet voucher is provided by On-us Group Holdings Ltd.(“Supplier”); Sun Life is not the supplier of the gourmet voucher (“Gifts”) and shall assume no responsibility and liability in respect of the Gifts. Any enquiry or complaint for the quality related to the redemption and use of the Gifts should be directed to the service provider. The Supplier is solely responsible for all goods and services offered to Eligible Participants. Any disputes arising from the Gifts shall be resolved by the Eligible Participants and the Supplier directly. In respect of the Gifts and their related products and services, no warranty is expressed or implied. Sun Life specifically disclaims the implied warranties of merchantability and fitness for a particular purpose.
- The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
- Sun Life will send an SMS or email to the mobile phone number or email address provided by the Eligible Participant for Gift redemption within one month after the Eligible Participant has completed all steps in Clause 2 above. There will be a hyperlink in the SMS or email and by clicking such hyperlink, Eligible Participant will be directed to a webpage maintained by On-us Group Holding Ltd to get the redemption code on the webpage. Eligible Participants shall follow the procedures stated on the webpage and redeem the Gifts from the Supplier before the expiry date as stated on the webpage.
- Sun Life is not responsible for verifying the mobile phone number submitted by Eligible Participants for participating in the Campaign. Should there be any mis-delivery of SMS or email notification resulting from inaccurate / incorrect information submitted by the Eligible Participants, Sun Life will not re-issue the hyperlink.
- No transfer, assignment, cash redemption or substitution of Gifts by participants is permitted. Sun Life, may at its sole discretion, reserve the right to substitute the Gifts (or part of the Gifts) with an alternative Gift with the equal monetary value and/or specification.
- Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
- Eligible Participants will be contacted by email or SMS for gourmet voucher redemption within one month after participation upon the completion of all aforementioned steps.
- The redemption and use of the Gifts shall be subject to the terms and conditions of the voucher / service provider. In the event of repeated or inappropriate use of the Gifts by the Client during Promotion Period, Sun Life reserves the right to cancel the Gift without any prior notice .
- If the data provided by Eligible Participant is found to be incomplete, untrue, fraudulent, inconsistent, falsified, illegal, deceptive, improper or there is any abusive usage of the Gifts or any violation of terms and conditions of the Gifts or integrity for obtaining this voucher, Sun Life reserves the right to cancel the Gift without any prior notice.
- If for any reason the Offers are not capable of running as planned, due to an event of force majeure or any other cause outside Sun Life’s reasonable control, Sun Life reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the Offers or relevant events without prior notice.
- Sun Life reserves the right to amend, suspend or cancel the Coupons and amend these terms and conditions at any time without prior notice. In the event of disputes on the Gifts, the decision of Sun Life shall be final and conclusive.
- Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
- These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. Any dispute arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
- A person who is not a party to these terms and conditions may not enforce any of their provisions under the Contracts (Rights of Third Parties) Ordinance (Cap.623 of the Laws of Hong Kong).