Client eNewsletters

Long waiting for cheque delivery? Hassles to bank in the cheque?...We listen, and we are here to offload the administrative burden from our clients and let them focus on things that matter.

You can now request to transfer the local money via Faster Payment System hosted by the Hong Kong Monetary Authority (“FPS”) directly into your defaulted bank account*. We are now extending this FPS service to some of our regular Policy Value payouts, which including Dividends, Coupons and Maturity Benefit, etc.

Just opt for the Policy Value payout services via FPS – faster and easier. It’s that simple!

*The FPS account and bank account for local money transfer must be registered under the Policy Owner of exact name match.

Due to another outbreak of COVID-19 recently, from now until 30 September 2020, we can help you to arrange a screening test appointment at designated clinics in order to ease your health concerns. 

This appointment service is applicable to all individual life clients. You can take a Deep Throat Saliva Test provided by JP Partners Medical or Virtus Medical . For appointment details or any assistance required, please contact your advisor.

Stay safe and we wish you all good health!

Note: The testing service is provided by third-party service providers. We will review the service from time to time and may change third-party service providers without prior notice.

In the time of pandemic, more primary schools will be conducting online interviews instead of traditional face-to-face interviews. It is something new to children, meanwhile beneficial in the way that parents’ presence can give them sense of security.   

How should parents prepare their children for admission interviews? How to manage their emotions and keep them focused during the interview? The experts believe that Effective EQ (Emotion Quotient) Management is the key to ensuring a successful online interview. Click here to view the smart tips from the experts on how to master online school interview!                                                                                                 

A few months to go for 2020 - It has been an extremely tough year for the whole world. In the midst of the pandemic, crude oil war and other events that had shaken the global economy, it is important to know what is happening  all over the world and be prepared for the unpredictable future.

Don’t forget to watch the monthly “Macro Observation” videos, brought to you by Mr. John Lui, our Chief Investment Strategist. In just 4 minutes, you will get to know more about the investment world as John talks about global economy trends, and shares useful investment tips and knowledge.

You can revisit the July and August editions here (in Cantonese, with Chinese and English subtitles). You can also find informative materials such as “market navigator” and investment-related news on the same page.

Click here now to explore the investment world with us.

Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.

Present? Future? You can have it both ways. 

Sun Life has your retirement life covered. We provide various retirement plan options which combine MPF, health protection and wealth accumulation. Our new participating insurance plan Victory helps you achieve potentially high long-term asset growth at affordable premiums, and let you pass your wealth to the next generations.

From now until 30 September, you can enjoy up to 16% premium rebate on Annualized First Year Premium (AFYP) upon successful application of Victory, which meets the following requirement on AFYP, premium payment term and premium payment mode:

For more details including product features, risk disclosure and investment philosophy, please refer to the product brochure, promotion leaflet  and sample policy document, or contact your advisor.

Play our Facebook Messenger game for retirement tips and rewards 

Want to win a prize and get retirement tips? Participate in Sun Life’s interactive game on Facebook Messenger now, featuring actor Kenneth Ma, to receive useful advice for a bright retirement life. You can also test your luck and even bring home a prize (total worth almost HKD40,000)! Click here to learn more.

Most common reason to purchase insurance: to provide the biggest support to yourself and your family at the most difficult times. What about growing your wealth at the same time? Enjoy our triple offers specially prepared for you and start to accumulate your reserve for the future now!

Offer 1: Venus (New Product) – 2.5% Premium Discount

Venus is our latest participating insurance plan that can assist you to accumulate wealth stably with flexibility and security for legacy planning. By just one single premium payment at the beginning of the plan, you can achieve long-term wealth growth without incurring transaction costs. Your wealth may even multiply before passing to the next generation!

From now until September 30 2020, enjoy a 2.5% premium discount on single premium paid if you successfully apply for Venus  and the policy is issued on or before 31 December 2020.

For details, please refer to our product brochure and promotion leaflet .

Offer 2: SunWish – Bonus Reward Offer

(Unless otherwise defined herein, capitalized terms use in this leaflet shall have the same meaning as those defined in the offering document of SunWish.)

Important Notes

• SunWish (the ‘Plan’), being an investment-linked assurance scheme (‘ILAS policy’), is an insurance policy issued by Sun Life Hong Kong Limited (‘the Company’). Your investments are therefore subject to the credit risks of the Company.
• The contributions paid by you towards this Plan will become part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
• Your return on investments is calculated or determined by the Company with reference to the performance of the underlying funds/assets.
• The Death Benefit of the policy is subject to investment risk, it may be significantly less than the premium paid.
• The return of investments under this Plan shall be subject to the charges of the scheme and may be lower than the return of the underlying funds.  If you want to know more about the detail of the fees and charges of the Plan, please refer to the offering documents of the Plan.  For percentage of total premiums for covering the total fees and charges at the plan level, please refer to the Product Key Facts Statement of the Plan.
• Early surrender or withdrawal of this Plan may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds/assets may further magnify your investment losses, while all charges are still deductible.
• The investment-linked funds available under the scheme can have very different features and risk profiles. Some may be of high risk.
• ’Underlying Funds’ available for selection are the funds listed in the Investment-Linked Fund Guide. These may include funds authorized by the SFC pursuant to the Code on Unit Trusts and Mutual Funds (‘UT Code’), but may also include other portfolios internally managed by the Company on a discretionary basis not authorized by the SFC under the UT Code.
• You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
• Investment involves risks. You should not rely on this material alone. Please read the offering document of this Plan carefully including Product Key Facts Statement and Principal Brochure (which consists of the Product Brochure and the Investment-linked Fund Guide) for further details including risk factors.

Features of SunWish:

• This is a single contribution investment-linked insurance plan, subject to a minimum single contribution requirement of USD8,000.
• The death benefit amount, equivalent to 105% of your policy value, will be payable in a lump sum to the designated beneficiary in the unfortunate event of the insured’s death.
• You may receive a Top-up Bonus at the end of 1st policy year as well as an annual Loyalty Bonus starting from the end of 4th policy year, subject to conditions. The Top-up Bonus and Loyalty Bonus form part of the policy value and are subject to applicable fees and charges as described in the offering documents of the Plan.
• Partial cash withdrawal can be made at any time subject to conditions, and an Early Encashment Charge of up to 8.5% of the requested withdrawn amount will apply if partial withdrawal is made in the first 4 policy years. 
• An Early Encashment Charge of up to 8.5% of the policy value will also be applied if you surrender your policy in the first 4 policy years. As a result, you may suffer from a significant loss of principal and/or bonuses awarded (if any).
• The Plan is subject to charges including Administration Charge, Early Encashment Charge, Management Charge and Underlying Fund Charges.

(For more details of the product features including fees and charges, please refer to the offering documents of SunWish.)

Bonus Reward

From 1 July 2020 to 30 September 2020 (the ‘Promotion Period’), both dates inclusive, customers who successfully apply for this Plan with single contribution of USD25,000 or above, and the policy is issued on or before 30 October 2020, may enjoy the following Bonus Reward in addition to the existing Top-up Bonus*, in the form of additional notional unit(s) of investment-linked fund(s) (the “Additional Notional Units”)under the Plan. Bonus Reward will form part of the policy value and is subject to applicable fees and charges as described in the offering document of the Plan. The Bonus Reward will be calculated based on the single contribution amount listed in the table below and is subject to the Terms & Conditions set out below.

Note: The above bonus rates do not represent the rate of return or performance of investment of your policy. 

* For details of Top-up Bonus, please refer to section ‘Dual Bonuses’ in the Product Brochure of SunWish.

Illustrative Example of Bonus Reward calculation 

1. Figures in the above examples are hypothetical and for illustrative purpose only.

2. Please note that Bonus Reward claw back may be applicable under certain situation. Please see below for illustrative examples of Bonus Reward claw back.

The customer will not be entitled to the Bonus Reward if (i) cash withdrawal is made from the policy(ies) or (ii) the policy(ies) is/are surrendered or terminated before the Bonus Reward(s) is/are credited to the policy(ies). If policy(ies) is/are surrendered or terminated within the first policy year, the original value of the Bonus Reward credited to the policy(ies) and positive investment return from the Bonus Reward (if any) will be clawed back at the time when the policy(ies) is/are surrender or terminated. The Bonus Reward to be clawed back is the higher of (i) prevailing market value of the Additional Notional Units at the time of claw back; and (ii) original value of the Additional Notional Units credited. Please refer to the examples stated below.

Illustrative examples of Bonus Reward claw back

Example 1: If policy(ies) is/are surrendered or terminated within the first policy year, the Bonus Reward credited to the policy(ies) will be clawed back. Please note that this example assumes that the prevailing market value of the Additional Notional Units at the time of claw back is higher than the original value of the Additional Notional Units credited.

^ The prevailing market value of the Additional Notional Units is clawed back since it is higher than the original value of the Additional Notional Units credited at the time of claw back.

Example 2: If policy(ies) is/are surrendered or terminated within the first policy year, the Bonus Reward credited to the policy(ies) will be clawed back. Please note that this example assumes that the original value of the Additional Notional Units credited is higher than the prevailing market value of the Additional Notional Units at the time of claw back.

# The original value of the Additional Notional Units credited is clawed back since it is higher than the prevailing market value of the Additional Notional units at the time of claw back.

For details, please contact your financial consultant.

Terms & Conditions:

1. The above offer is only applicable to any new application(s) of the Plan submitted within the Promotion Period and such policy(ies) must be issued by the Company on or before 30 October 2020.
2. For the purpose of determining the amount of Bonus Reward, the single contribution is the amount stated in the policy summary issued to the customers.
3. If the customer applies for more than one policy of the Plan within the Promotion Period, the Bonus Reward is to be determined separately for each policy.
   
4. The Bonus Reward will be credited to the customers’ policy(ies) within December 2020 (the exact date will be determined by the Company) in the form of the Additional Notional Units according to the customers’ latest executed investment-linked fund allocation instruction(s) on condition that the policy(ies) is/are still in force at the time when Bonus Reward is credited. The Bonus Reward is not convertible for cash.
   
5. The amount of single contribution will be rounded to the nearest dollar for Bonus Reward calculation.
   
6. A customer notification letter will be sent to the eligible customer after the Bonus Reward is credited to the policy(ies).
   
7. Bonus Reward will form part of policy value and is subject to applicable fees and charges as described in the offering document of the plan.
   
8. The above offer is subject to availability at the discretion of Sun Life Hong Kong Limited. Sun Life Hong Kong Limited reserves the right to vary, suspend or cancel the offer and amend the terms and conditions at any time without prior notice. For application of the Plan submitted before variation, suspension or cancellation of the offer, customers will still be entitled to the original offer. In the event of any dispute, the decision of Sun Life Hong Kong Limited will be final.

This leaflet contains general information only and shall not be construed as an offer to sell any policy(ies). For information of the Plan, including the risk factors and fees & charges, please refer to the offering documents of SunWish.

Investment involves risks and past performance is not indicative of future performance. Investment returns may rise as well as fall. Currency movements and market conditions may affect the value of investment.

Emerging markets may involve a higher degree of risk than in developed markets and are usually more sensitive to price movements. Prices of the underlying funds may have higher volatility due to investment in emerging markets, financial derivatives instruments or structured instruments, and may involve a greater degree of risk than the conventional securities.

This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong.

Offer 3: SunArchitect – Special Bonus Reward Offer

Important Notes

• SunArchitect (the “Plan”), being an investment-linked assurance scheme (“ILAS policy”), is an insurance policy issued by Sun Life Hong Kong Limited (“the Company”). Your investments are therefore subject to the credit risks of the Company. The premiums paid by you towards your ILAS policy will become part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. 
• Your return on investments is calculated or determined by the Company with reference to the performance of the underlying funds. 
• The return of investments under your ILAS policy shall be subject to the charges of the scheme and may be lower than the return of the underlying funds.
• Early surrender or withdrawal of your ILAS policy/suspension of or reduction in contribution may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
• The investment-linked funds available under the scheme can have very different features and risk profiles. Some may be of high risk.
• Underlying funds available for selection are the funds listed in the Investment-Linked Fund Guide. These are funds authorized by the SFC pursuant to the Code on Unit Trusts and Mutual Funds.
• You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. 
• The investment returns of the Plan may be subject to foreign exchange risks as some of the underlying funds may be denominated in a currency which is different from that of the Plan.
• The Plan does not have any guarantee of the repayment of principal. You may not get back the full amount of contribution you pay and may suffer investment losses.
• Investment involves risks. You should not rely on this material alone. Please read the offering documents of the Plan carefully including the Product Key Facts Statement and the Principal Brochure (which consists of the Product Brochure and the Investment-Linked Fund Guide). For more information about the underlying funds, please refer to the offering documents of the underlying funds which are made available by the Company upon request.

More importantly, you should be aware of the following regarding your death benefit and the cost of insurance (“insurance charges”):

• Part of the fees and charges you pay that will be deducted from the value of your ILAS policy will be used to cover the insurance charges for the life coverage.
• The insurance charges will reduce the amount that may be applied towards investment in the underlying funds selected. The insurance charges may increase significantly during the term of your ILAS policy due to factors such as the insured’s attained age and investment losses, etc. This may result in significant or even total loss of your contributions paid.
• If the value of your ILAS policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, your ILAS policy may be terminated early and you could lose all your contributions paid and benefits.
• You should consult your intermediary for details, such as how the insurance charges may increase and could impact the value of your ILAS policy.

The Plan is a long-term investment-linked insurance plan combining life insurance coverage and investment opportunities. The following provides a highlight of certain key product features of SunArchitect only. For more details regarding the Plan and the respective investment-linked funds available under the Plan, please refer to the offering documents of the Plan. As investment involves risks, it is critical for you to understand the key product features and risks of the Plan.

There is a section “Glossary” at the end of this leaflet. For those words which are capitalized, unless stated otherwise, please refer to the section “Glossary” for explanation. 

Key Product Features of SunArchitect

Minimum Contribution

• The Plan allows you to pay regular contribution over a Contribution Payment Term, ranging from 5 to 25 years, subject to the minimum Annualized Contribution Amount requirement. The minimum Annualized Contribution Amount requirement is USD2,400 per annum for Contribution Payment Term from 5 years to 14 years and USD1,200 per annum for Contribution Payment Term from 15 years to 25 years. Please refer to the section “Getting started” in the Principal Brochure – Product Brochure of the Plan for details.

Death Benefit

• The death benefit amount is equal to the higher of (i) 105% of your Policy Value or (ii) total amount of contributions that you have paid towards your ILAS policy less total amount of all partial withdrawals made by you. The death benefit will be paid to the beneficiary designated by you in the unfortunate event of the insured’s death. 
• The death benefit stated above is subject to suicide clause. If the insured, whether sane or insane, commits suicide within 1 year after the policy start date (i.e. the date on which the policy becomes effective) or the reinstatement date, whichever is later, the death benefit will be equal to the Policy Value.

Please refer to the section “Life insurance protection for your loved ones” in the Principal Brochure - Product Brochure of the Plan for details.

Bonuses

• You may be entitled to a variety of bonuses including

i) First year bonus upon our confirmation of receipt of each payment of your regular contributions due and received during the first policy year. The first year bonus rate is up to 1.5% and it varies depending on your Annualized Contribution Amount (as at policy start date, i.e. the date on which the policy becomes effective);

ii) Long-term bonus up to 2.5% of the average Policy Value depending on your selected Contribution Payment Term and the payment ratio at the date when the relevant long-term bonus is payable, and

iii) Commitment bonus which is applicable to the ILAS policy with Contribution Payment Term of 15 years or more and is equal to 100% of the total amount of policy fee paid during the Contribution Payment Term. It is payable at the end of the Contribution Payment Term while the ILAS policy is still in effect.

The above bonuses are subject to the terms and conditions. Please refer to the section “Enjoy bonuses” in the Principal Brochure - Product Brochure of the Plan for details. The above bonuses will form part of the Policy Value and are subject to all applicable fees and charges as set out in the section “Schedule of Fees and Charges” in the Principal Brochure - Product Brochure of the Plan.

Partial Withdrawal

• After the completion of the Mandatory Contribution Period, you can make a one-off partial withdrawal from your Policy Value, free of charge, subject to its administrative rules as follows:

i) After the Mandatory Contribution Period but during the Surrender Charge Period - the minimum withdrawal amount is USD500 and the maximum withdrawal amount is up to an amount that the Policy Value immediately after the partial withdrawal is not less than the Annualized Contribution Amount (as at policy start date, i.e. the date on which the policy becomes effective) multiplied by the Mandatory Contribution Period (in policy months) divided by 12.

ii) After the Surrender Charge Period - the minimum withdrawal amount is USD500 and the maximum withdrawal amount is up to an amount that the Policy Value immediately after the partial withdrawal is not less than USD500.

• Partial withdrawal may lead to a significant reduction in the Policy Value, and accordingly the death benefit and any long-term bonus will be reduced. The reduction in the Policy Value may trigger policy termination if the Policy Value is insufficient to cover Monthly Deductions due. Please refer to the section “Access to your money” in the Principal Brochure - Product Brochure of the Plan for details.

Investment-Linked Funds

• The Company offers a range of investment-linked funds for you to choose from, each with different investment objectives, features and risk profile, so that you can choose the investment-linked fund mix that suits you the best.

Termination of Policy

• Policy will be automatically terminated under certain circumstances. Please refer to the section “Access to your money” in the Principal Brochure - Product Brochure of the Plan for details.
• Prior to the end of the Surrender Charge Period, there will be an early surrender charge in case of policy termination (other than as a result of the death of the insured) or surrender. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure - Product Brochure of the Plan for details.

Fees and Charges

• The Plan is subject to different fees and charges including the policy fee, administration charge, insurance charge, surrender charge, management charge and underlying fund charges. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan for details.

For more details regarding the Plan and the respective investment-linked funds available under the Plan, including fees and charges, please refer to the offering documents of the Plan. For more information about the underlying funds corresponding to the investment-linked funds available under the Plan, please refer to the offering documents of the underlying funds which are available from the Company upon request, free of charge.

Special Bonus Reward

From July 1, 2020 to September 30, 2020, both dates inclusive, customers who successfully apply for the Plan with Annualized Contribution Amount of USD1,200 or above (for Contribution Payment Term 15 years to 25 years) or Annualized Contribution Amount of USD2,400 or above (for Contribution Payment Term 5 years to 14 years), and the policies are issued on or before October 30, 2020 can enjoy the following bonus reward in the form of additional notional unit(s) of investment-linked fund(s) (“Special Bonus Reward”) under the Plan (subject to the Terms & Conditions set out below). The Special Bonus Reward will be calculated as follows:

Annualized Contribution Amount as at policy start date (i.e. the date on which the policy becomes effective) x Special Bonus Reward rate.

The Special Bonus Reward rate varies depending on your selected Contribution Payment Term and the Annualized Contribution Amount per policy as set out below:

Note: The above bonus rates do not represent the rate of investment return of your policy.

• A customer will not be entitled to the Special Bonus Reward if the policy(ies) is/are (i) cancelled within the cooling-off period or (ii) surrendered or terminated before the Special Bonus Reward is credited to the policy(ies). 
• The Special Bonus Reward credited will not be clawed back if the policy(ies) is/are surrendered or terminated after the Special Bonus Reward(s) is/are credited to the policy(ies). 
• The Special Bonus Reward will form part of Policy Value and is subject to all applicable fees and charges as described in the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan for details.

Illustrative Example of Special Bonus Reward Calculation

The above examples are hypothetical and for illustrative purpose only.

For details, please contact your consultant.

Terms & Conditions:

(i)         The Special Bonus Reward is only applicable to any new application(s) of the Plan submitted between July 1, 2020 to September 30, 2020, both dates inclusive (the “Promotion Period”).

(ii)        A customer applying for more than one policy of the Plan within the Promotion Period shall not use the aggregate Annualized Contribution Amount of such policies in determining the Special Bonus Reward rate. The Special Bonus Reward is to be determined separately for each policy based on the respective Annualized Contribution Amount.

(iii)       The Special Bonus Reward will be credited to customer’s policy(ies), for both annual and monthly payment modes, within December 2020 (the exact date will be determined by the Company) in the form of additional notional units of investment-linked fund(s) according to customers’ last executed investment-linked fund allocation instructions on condition that the policy(ies) is/are still in force at the time when Special Bonus Reward is credited.

(iv)       The Special Bonus Reward is not transferable for cash.

(v)        The amount of the Special Bonus Reward will be rounded to the nearest dollar.

(vi)       A customer notification letter will be sent to a customer who is eligible for the Special Bonus Reward(s) within one month after the Special Bonus Reward(s) is/are credited to the policy(ies).

(vii)      The above offer is subject to availability at the discretion of Sun Life Hong Kong Limited. Sun Life Hong Kong Limited reserves the right to vary, suspend or cancel the offer and amend the terms and conditions at any time without prior notice. If application of the Plan is submitted before variation, suspension or cancellation of the offer, customer will still be entitled to the offer prior to such changes. In the event of any dispute, the decision of Sun Life Hong Kong Limited will be final.

Glossary

• Annualized Contribution Amount refers to the regular contributions of the Plan that you wish to pay each year during the Contribution Payment Term.
• Contribution Payment Term means the period during which you choose to pay Annualized Contribution Amount towards your policy. 
• Mandatory Contribution Period is an initial period, commencing on the policy start date (i.e. the date on which the policy becomes effective) and lasting for 15 to 36 policy months depending on the selected Contribution Payment Term, during which all due contributions are required to be paid.
• Monthly Deductions means the amount by which the Company will reduce the Policy Value on the first working day of each policy month. The Monthly Deductions include the policy fee, administration charge, and insurance charge of the death benefit.
• Policy Value is the sum of the value of notional units of all investment-linked funds held under your policy. The value of notional units of each investment-linked fund is the total number of notional units of such investment-linked fund multiplied by the bid price of the notional units of such investment-linked fund. Bid price means the price at which a notional unit of an investment-linked fund shall be redeemed.
• Surrender Charge Period is an initial period, commencing on the policy start date (i.e. the date on which the policy becomes effective) and lasting for 5 to 12 policy years depending on the selected Contribution Payment Term, during which a surrender charge is deducted from your Policy Value upon surrender or termination of the policy for any reason other than the death of the insured.

This leaflet contains general information only and shall not be construed as an offer to sell any policy(ies). For information of the Plan, including the risk factors and fees & charges, please refer to the offering documents of the Plan.

Investment involves risks and past performance is not indicative of future performance. Investment returns may rise as well as fall. Currency movements and market conditions may affect the value of investment.

This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong.

Have you signed up for our eAdvice service yet? By signing up, you can view your policy documents anytime, in addition to receiving notifications when a new notice is uploaded to your My Sun Life HK app or portal account. You will never miss any important updates.

More than that, you can enjoy a HKD50 discount on your foodpanda order or dining at over 30 specific restaurants in Hang Lung Malls if you register between 1 September and 30 September 2021*!

Click here to learn how to register for eAdvice via My Sun Life HK app or portal.

_{*Terms and conditions apply. Clients who register for the eAdvice service between 1 September to 30 September 2021 (both dates inclusive) will be eligible to receive a HKD50 foodpanda/Hang Lung Malls dining eCoupon. Eligible clients will be notified by SMS within two weeks after the promotion ends. Clients must still be using eAdvice service (eAdvice Option being “Yes”) at the time of receiving the eCoupon.}

We are constantly improving our service to provide you with a better experience. That’s why - My Sun Life HK app and portal got upgraded!

You can now view the details of your Investment-linked Assurance Schemes (“ILAS”) policies as well as the performance of Investment-linked funds under your policies via the app and portal easily. How much you have contributed, withdrawn, gained or lost are visible. On the same page, you can also find the offer/bid price, current allocation, account value and more for each Investment-linked fund under your policies. With these information easily accessible, you are no longer required to connect with your advisor or call our Client Services every time!

In addition to ILAS performance, we have added the following functions to My Sun Life HK portal. Paper form submissions are no longer needed which saves your time and effort.

-  Standing Instruction: Set up an instruction to transfer policy value of one policy to another to settle renewal premium and levy.

-  Policy Payout Method: Select a method to receive your policy payouts including cash coupons, bonuses or automatic withdrawal when the policy matures, as well as dividends derived from Investment-Linked Funds with dividend payout features. Methods include credit to bank account, Faster Payment System (“FPS”) or cheque. Please refer to the terms and conditions of policy payout method for details.

Please stay tuned while we are working on even more new functions. For now, try out the new functions in My Sun Life HK app and portal and enjoy the convenience of smart policy management!

Looking back at the first half of 2021, we observed that the global supply of vaccine rendered a positive impact on global economy. Sectors that are sensitive to economic cycles such as energy and finance performed relatively well. In a long term, with the overall commodity cycle maintaining upward, investment opportunities are represented.

Watch the Macro Observation videos here as our Chief Investment Strategist, Mr. John Lui, introduces the latest news and trends in the investment world (in Cantonese, with Chinese and English subtitles). 

More useful materials are also available on the same webpage for you to grow your investment knowledge, including the quarterly “Market Navigator”, which analyses and forecasts the investment market based on the performances of equities, bonds and more.

_{Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.}

No matter you wish to protect your family or yourself, we are always here to provide coverages that suit you the best. From now until 30 September 2021, grab the last chance to enjoy our offers!

1. Vital Client Offer (campaign code: A0176A)

Enjoy 8% premium rebate on Annualized First Year Premium (“AFYP”) of Vital upon successful application during the promotion period! This offer caps at a HKD10,000 premium rebate for the same insured and policy owner.

2. Victory Client Offer (campaign code: A0177A) 

Enjoy 5% premium rebate on AFYP of Victory upon successful application during the promotion period! This offer caps at HKD10,000 premium rebate for the same insured and policy owner.

3. Vision Client Offer (campaign code: A0178A) 

You may enjoy up to HKD88,000 premium rebate upon successful application of Vision! The AFYP requirements are stated in the table below:

Each client can only enjoy this premium rebate once for Eligible Vision. Application from the same policy owner, with the same insured and the same premium payment term.

Except for life protection, wealth accumulation and legacy planning, we also have you covered in terms of health protection! 

Health Client Offer (campaign code: A0179A)

Enjoy up to 3-month premium rebate if you apply for the Medical Plans below in addition to the above Savings & Life Plans (Vital, Victory and Vision) during the promotion period.

• WeHealth - VHIS Certified Standard Plan 
• WeHealth Plus - VHIS Certified Flexi Plan 
• SunHealth Medical Care (basic plan only) 
• SunHealth Medical Essential (basic plan only)
• SunHealth Medical Premier (basic plan only)

Example:

Terms and conditions apply. Please refer to the promotional leaflet for more details.

Medical inflation, the risk of critical illnesses and emerging diseases… Without the protection of appropriate medical coverage nowadays, life is no different from being naked.

Our latest campaign “Say No To a Naked Life”, featuring well-known artist Kay Tse, introduces Sun Life’s All-Round Worldwide Protection* which has your health covered. For 129 years, Sun Life has been striving to provide high-quality coverage for Hong Kongers in terms of health and life. Learn more about our health products here.

Besides, try out our Cost estimator of treating major illnesses^ to explore how you can equip yourself for the medical expenditures in the event of Cancer, Diabetes, Heart Disease and Stroke.

_{*Applies to designated medical and critical illness plans. For details such as product features, risk disclosure and investment philosophy, please refer to the product brochure and promotional leaflet. For definitions, full terms and conditions of the coverage, exclusions and other details, please refer to a sample Policy Document. Please contact your advisor for more information.}

_{^This tool is designed by Sun Life Hong Kong Limited (“Sun Life”) for a rough estimation of the typical cost of treating major illnesses, loss of income, cost of engaging a nurse and cost for modification of lifestyle (the “Tool”), and is intended for your general information only. The Tool is not intended to be understood as an exhaustive study of major illnesses, nor a suggestion of the likely medical expenses in any particular case. No reliance shall be placed on the information presented in the Tool.}

More people are getting COVID-19 vaccination recently. Are you planning to do the same too? We know you may have a question in mind whether such vaccination side effects are covered. No worries, we have you covered!

WeHealth and WeHealth Plus (under the Voluntary Health Insurance Schemes (“VHIS”) ) provides coverage for any medical expenses arising from COVID-19 vaccination* complications. For the coverage of VHIS, please click here to visit the “FAQs” page of VHIS Office’s website and refer to Question 15 and 16.

We have also made a special arrangement to suspend existing exclusions for “immunization, vaccination, injection or preventive medication” for COVID-19 vaccination. We accept claims made on medical expenses for COVID-19 vaccination* complications based on the benefit schedule in the medical policy. Policies covered include:

- SunHealth Medical Premier

- SunHealth Medical Essential

- SunHealth Medical Care

- Hospital Income Insurance Plan

- SunHealth Medical Fit

- Bright Superb Health

For more information, please contact your advisor. Stay safe and healthy!

_{*Applies to vaccination approved under Hong Kong Government’s COVID-19 Vaccination Programme only. Sun Life reserves the right to vary, suspend or cancel this special arrangement and amend the terms and conditions at any time without prior notice. In the event of any disputes, the decision of Sun Life will be final and conclusive.}

Technology in medical field has been constantly improving nowadays. New treatments for different diseases have evolved, benefiting more clients. To provide you with better medical coverage, we have amended SunHealth Medical Premier and SunHealth Medical Essential.

Effective 1 April 2021, the following 3 cancer treatments have been added under Cancer Treatment Benefit:

-  Hormonal therapy

-  Immunotherapy

-  Proton therapy

This amendment is applicable to existing and new clients of SunHealth Medical Premier and SunHealth Medical Essential(basic plan/rider). Good news is premiums of the above plans remain unchanged.

If you have any enquiries on this change, please contact your advisor or call our Client Service Hotline at (852) 2103 8928. You may also email us at hk_csd@sunlife.com, quoting “Cancer treatment addition on SunHealth Medical Premier / SunHealth Medical Essential” in the subject.

You may click the links below for the latest product brochures:

-  SunHealth Medical Premier

-  SunHealth Medical Essential

Since months ago, investors have been aware of this: global inflation. Rising inflation causes impacts to global investment market for sure, in both good and bad ways. Do you know that inflation may affect bonds adversely while generally having positive impact on stocks?

Click here to watch the Macro Observation videos for April and May. Our host and Chief Investment Strategist, Mr. John Lui explains the influence of inflation on the investment market (in Cantonese, with Chinese and English subtitles).

In the same webpage, you can also find other useful references for investment, such as “Market Navigator”. In the latest edition, we give you an overview of the market by analyzing outlook of stocks, bonds, cash and more, with points to pay attention to.

_{Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.}

Life is always unexpected, but we are here to assist you to prepare for unfortunate events.

Try our cost estimation tool! This tool gives you an idea on how you can better prepare yourself financially in the event of health issues. It analyzes the medical expenditures on major illnesses such as Cancer, Diabetes, Heart Disease and Stroke. By answering just 3 questions, you will see the estimated costs for each disease in detail, including the cost for treatment, nursing and more. It also shows how the amount of annual premium for critical illness and medical insurance affects the coverage.

Start estimating now and plan ahead!

_{Disclaimer: This tool is designed by Sun Life Hong Kong Limited (“Sun Life”) for a rough estimation of the typical cost of treating major illnesses, loss of income, cost of engaging a nurse and cost for modification of lifestyle (the “Tool”), and is intended for your general information only. The Tool is not intended to be understood as an exhaustive study of major illnesses, nor a suggestion of the likely medical expenses in any particular case. No reliance shall be placed on the information presented in the Tool.}

Have you registered for our eAdvice service launched in February? In just a few steps, you will receive notifications and never miss any important updates about your policies. You will also contribute to achieving a paperless environment by reducing paper printing.

Here’s how easy it is to register:

1. Log in to your My Sun Life HK app or portal account
2. Click “Edit Profile > eAdvice Option”
3. Turn on the toggle next to “eAdvice option”, then click “Next”
4. Done! You will get email and push notifications when new notices are available.

After receiving notifications, you can view your policy documents electronically in My Sun Life HK app and portal anytime. Click here to view the list of available correspondences for eAdvice. For letters not on the list, we will continue to mail them to you.

Small steps can make a big difference. Join us in reducing paper use by using the new eAdvice service now!

The eAdvice service allows you to receive email and push notifications when a new document is uploaded to Client Digital Platforms (My Sun Life HK app and portal). Printing of most of the physical letters will stop, but you can view notices of your policies anytime, anywhere digitally in My Sun Life HK app and portal, while saving papers and protecting the environment.

The key features and benefits of the service are:

Access documents anytime: view all policy documents via mobile phones, computers or other devices at your convenience

Receive notices instantly: read important notices as soon as they are available, and act accordingly as needed

Keep track of records: retrieve and download documents and notices issued in the last 60 months (36 months for lapsed policies)

Register now if you have not! Simply log in to your My Sun Life HK app or portal account and complete registration in just a few steps. For more details, please visit our eAdvice webpage here.

Thank you for embracing the environment with us!

As life is always full of surprises and unexpected twists, it’s never too late to start building wealth for an easier life in the future, and to protect your family. 

Act now to enjoy limited time offers for our Victory and Foresight Deferred Annuity Plan, and don’t miss out on the last chance of tax deduction!

Offer 1:

From now until 31 March 2021, enjoy a premium rebate of up to 10% on Annualized First Year Premium (“AFYP”) upon successful application of Victory which meets the required AFYP.

Offer 2: 

From now until 31 March 2021, get a 5% premium rebate on AFYP for successful application of Foresight Deferred Annuity Plan with the required AFYP met. Existing individual life clients who apply can enjoy an extra 3% rebate! Successful applicants will also be eligible for tax deduction*.

Terms and conditions apply. For details, please contact your advisor, or refer to the promotion leaflet  of the offers.

_{*Please note that only qualifying annuity premiums due and paid during a year of assessment will be eligible for tax deduction for that year of assessment whereas the Premium Rebate is not eligible. Further information on tax concessions applicable to QDAP may be found at the website of the Insurance Authority (www.ia.org.hk/en). Client may also refer to the website of Inland Revenue Department (“IRD”) or contact IRD directly for any tax related enquiries.}

Last year, global economy was ravaged by the pandemic. Surprisingly, global investment markets have performed relatively well, rendering the rise of new age and new economic sectors. With more vaccines available worldwide and accommodative monetary policies in place, overall investment market should remain constructive.

View the January and February editions hosted by our Chief Investment Strategist, Mr. John Lui (in Cantonese, with Chinese and English subtitles) here to gain better insight of investment trends for 2021. The webpage contains other investment-related articles and resources to help you understand and navigate the investment world.

_{Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.}

To allow more investment choices to suit your needs at different stages, the addition of 5 new Investment-Linked Funds with cash dividend distribution features are available for selection for SunWish. Each of the below Investment-Linked Funds is linked to a single SFC-authorized fund:

Currently, if there is any dividend income from underlying funds, such income will be reinvested back to the respective investment-linked funds and will be reflected in the unit price of corresponding investment-linked funds except for those Investment-Linked Funds designated with (Dist) in its name which the dividend (if any) received from the underlying funds will be distributed to you.

The Investment-Linked Fund designated with “(Dist)” in its name (the “Investment-Linked Fund (Dist)”) is an investment-linked fund that aims to distribute cash dividend on a regular basis. If you choose to invest in the Investment-Linked Fund (Dist), you will receive cash dividend if the Company receives such dividend from the underlying fund of the Investment-Linked Fund (Dist).

For enquiries, please refer to the latest SunWish Principal Brochure – Investment-Linked Fund Guide* and contact your advisor.

_{*You should read the offering documents of SunWish (including the product key facts statements) of the underlying funds, which are available from Sun Life free of charge upon request, for details of the underlying funds (including, without limitation, their investment objectives and policies, risk factors and charges).}

_{Investment involves risks. You should not rely on this material alone. Please read the offering document of Sun Wish carefully including Product Key Facts Statement and Principal Brochure (which consists of the Product Brochure and the Investment-linked Fund Guide) for further details including risk factors.}

A great retirement should be well-planned with budget calculation. 

Considering compound interest and others aspects affecting your long-term savings, MPF and investment returns, your future medical and insurance expenses as well as inflation are only some of the factors you should be aware of regarding your retirement reserve.

Are you better off with Qualifying Deferred Annuity Policy (QDAP) or Tax Deductible Voluntary Contributions (TVC) in a Mandatory Provident Fund (MPF) scheme? As both products have their own merits, investing in both could diversify your retirement reserve and balance out the risk. You might consider building up a combined portfolio according to your own needs.

Click here to find out more, and don’t forget to try our Retirement Calculator to achieve your retirement autonomy!