Foresight Deferred Annuity Plan

Tax‑deductible Deferred Annuity (QDAP)

Grow retirement income with tax‑deductible QDAP savings, pay less tax while planning ahead.

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合資格延期年金保單的標誌

Want a steady income after retirement?

The Foresight Deferred Annuity Plan is like your retirement payroll account, providing a reliable monthly income so you can pursue your passions with confidence. Besides, as a Qualifying Deferred Annuity Policy, you may be eligible for tax deduction up to HKD60,000. No matter you are a career starter or planning for retirement, we help you reducing your tax expenses while steadily building your wealth. Start planning today and unlock the way to a worry-free retirement.

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Key benefits

Stable retirement income

  • Continuous steady monthly incomes
  • You choose when incomes start
  • Flexible income duration options

Tax savings

  • Apply for tax deduction while saving
  • Up to HKD60,000 tax deduction for each tax year
  • Grow your savings more effectively

Growth potential

  • Extra bonus may boost your income
  • Chance for potential growth over time
  • Help protect against rising living costs

Flexible planning

  • Pay premiums for 5 or 10 years
  • May receive incomes up to age 100
  • Customize to fit your retirement plans

Peace of mind

  • Death benefit for your family during difficult times
  • Flexible death benefit settlement option for your family should the worst happen
  • Choose lump-sum or regular death benefit payouts

Easy to sign-up

  • No health check needed
  • Quick and simple application
  • Begin securing your future now

Real-life impact

Limited time offer

Enjoy up to 22% premium rebate for Foresight Deferred Annuity Plan

From now to May 31, 2026

If you successfully apply for Foresight Deferred Annuity Plan with designated AFYP requirement, you will be entitled up to 22% premium rebate on AFYP!

The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.

Learn more

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offer

Catch the limited time offer for HK$100 Starbucks e-voucher

By Apr 30, 2026

  1. Meet with one of our appointed advisors after submitting the enquiry form below and
  2. Complete the eFNA

You will have the chance to receive a HK$100 Starbucks e-voucher!

Meet up now

*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 January 1, 2026 to April 30, 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.

  1. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
  2. Participants need to complete all the following steps in order to participate (“Eligible Participants”),
    1. fill in the form on Sun Life website; and
    2. meet with the designated advisor and complete the eFNA.
  3. 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.
  4. Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
  5. 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. 
    1. The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
    2. 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.
    3. 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.
    4. 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.
    5. Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
    6. 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.
  6. 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 .
  7. 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.
  8. 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.
  9. 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.
  10. Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
  11. 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.
  12. 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).

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Your questions answered

1. What's a deferred annuity plan?

It is an annuity plan that allows savings to accumulate and grow after paying premiums and then provides regular income in the future.

2. When can I start this plan?

You can join as young as age 18 or up to age 65.

3. Can I pick when my income begin?

Yes, you can choose to start receiving income from age 50, 55, 60, 65, 70, 75 or 80, but the start of income must be within 10 to 50 years from your policy start.

4. How long will I get the incomes?

You can decide: 10, 15, 20 years, or until you reach age 100.

5. Will I save on taxes?

You can enjoy up to HKD60,000 in yearly tax deductions, subject to government rules.

6. Is there protection if something happens to me?

Yes, your beneficiaries will receive a death benefit payout if you pass away during the policy term.

7. Can I end the policy early if needed?

Yes, but you might get back less than you've paid in if you cancel early.

8. Are all the incomes guaranteed?

The plan provides guaranteed income, as well as non-guaranteed income that may change over time.

9. What is the extra bonus?

Starting from the 4th year of your policy, you'll get an extra bonus. This extra bonus is not guaranteed and will be accumulated in your policy and paid to you as your non-guaranteed income .

10 Do I need a medical examination to apply?

Most people don't need a medical examination, the application process is quick and easy to sign-up. However, if you add any extra benefits (optional riders) to your application, you will need to go through health underwriting.

11. Can I change my income period later?

Once your plan starts, the age you begin receiving incomes and how long you receive them can't be changed, so choose carefully.

Note: If there's a difference between what's on this page and the insurance policy, the policy is what counts.