LIFE Brilliance Plan

Life and Savings Insurance

Grow your wealth while securing lifelong protection for loved ones.

LIFE Brilliance is a participating insurance plan that offers whole-life protection and competitive total returns. Providing growth potential for your wealth in the form of Guaranteed Cash Value as well as bonuses in the form of Reversionary Bonus and Terminal Bonus, LIFE Brilliance makes your wealth work harder for you.

Policies may be denominated in Hong Kong Dollars (HKD), United States Dollars (USD), or Renminbi (RMB), allowing you to choose the currency that suits you best without incurring undue foreign exchange risk.

The plan allows a high degree of protection and a strong savings element together in one comprehensive product, providing the basis for a lasting financial foundation that you and your loved ones can count on.

Highlights：

  1. Guaranteed Cash Value and bonuses add to your wealth
  2. A Death Benefit for your family, providing support for loved ones should the worst happen
  3. Lump-sum Maturity Benefit pay-out when your policy matures at the age of 100 or a Surrender Value pay-out upon early termination
  4. Flexible payment options to suit your financial plans
  5. Free rider benefits for extra protection with the LIFE Flexi Rider
  6. Enjoy peace of mind with rider benefits

Remark :

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

Download brochure

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Important Notes on Policy Reverse Mortgage Programme (“PRMP”)

LIFE Brilliance is an eligible life insurance plan under PRMP, providing you a stable income to improve the quality of retirement life. For further information about the PRMP, please refer to the Hong Kong Mortgage Corporation Limited (HKMC) website: www.hkmc.com.hk or download PRMP leaflet.

Please note that LIFE Brilliance is an eligible life insurance plan under PRMP, but it does not necessarily mean that your PRMP application will be approved. The eligibility of this product under the PRMP is based on the features of the product. You and your life insurance policy are still required to meet the eligibility criteria under PRMP before you apply for the policy reverse mortgage loan.

The general information provided by us on PRMP is for reference only, and you should not make any decisions based on such information alone. You should always seek for advice from professional bodies if you have any doubts. Please note that the information provided is subject to change including the eligibility criteria for PRMP. We do not take any responsibility to inform you about any changes and how they may affect you. The PRMP is operated by HKMC Insurance Limited, a wholly-owned subsidiary of the HKMC. For further information, please refer to the HKMC website: www.hkmc.com.hk.

Additional Rider benefits:

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

Accidental Death & Disability Plus Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1. This rider benefit gives you a lump-sum payment in the event of total disability, dismemberment or loss of sight, hearing or speech of the insured, who is the person protected under the Basic Plan. Also, in the unfortunate event due to accident that the insured passes away, a lump-sum payment of 100% of the sum assured will be paid to the beneficiaries to support and help them manage their financial needs. 

 

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

 

Download product leaflet of Accidental Death & Disability Plus Benefit

Child Accident & Illness Benefits is an optional rider benefit of Sun Life insurance plan1.

If the insured, who is the child protected under the Basic Plan, suffers from Critical Conditions covered under this rider benefit or in the event of death, loss of one limb, sight or suffer from major burns due to an accident, we will pay a cash lump-sum to help you manage your financial needs.



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 Child Accident & Illness Benefits

Guaranteed Insurability Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1 to enjoy the flexibility of being able to add to your cover or savings – whatever may come your way.

From age 24 to 45, Guaranteed Insurability Benefit empowers you to purchase, on the life of the insured, who is the person protected under the Basic Plan, without any further medical questions or checkup, designated Sun Life participating life or endowment plans. A new plan may be purchased once this rider benefit has been in effect for 2 years, and subsequent purchases may be made more than 2 years after a preceding purchase under this rider benefit.

What’s more
You can also choose the following optional rider benefits2 to attach to your new policy for more comprehensive protection.

  • One Year Term Benefit or Five Year Term Benefit3
  • Total Disability Benefit4

Remarks:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. Subject to the rider benefits available at that time.
  3. The total Sum Assured of your chosen new policy and the One Year Term Benefit / Five Year Term Benefit cannot exceed the Sum Assured of the Guaranteed Insurability Benefit.
  4. To add the Total Disability Benefit to your chosen new policy, the following conditions must be satisfied: (i) your chosen new policy must have premiums payable for life; (ii) a Total Disability Benefit is attached to your current Basic Plan and the Total Disability Benefit is then in effect under your policy; and (iii) the Total Disability Benefit can be added to your chosen new policy according to our prevailing administrative rules.

 

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.

 

Download product leaflet of Guaranteed Insurability Benefit.

For more information, please visit Hospital Income Insurance Plan 

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

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

One Year Term Benefit/ Five Year Term Benefit is an optional rider benefit offering essential life protection at an affordable premium. It is guaranteed to be renewable up to age 80, giving you peace of mind. You have the option of converting all or part of the Sum Assured of the One Year Term Benefit/ Five Year Term Benefit into a whole-life basic plan with the same or lower Sum Assured to enhance your 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 help them manage their financial needs. Once the Death Benefit has been paid out, the policy will be terminated.

 

Remark:

  1. These rider benefits 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 and full terms and conditions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

 

Download product leaflet of One Year Term Benefit/Five Year Term Benefit

Owner Benefit upon Death / Owner Benefit upon Disability or Death is an optional rider benefit that you can add to your Sun Life insurance plan1.

With Owner Benefit upon Death / Owner Benefit upon Disability or Death, the premium of your Basic Plan and all attached rider benefits (including this one) will be waived2 as follows.

The premium will be waived if

  Owner Benefit upon Death Owner Benefit upon Disability or Death
Initial Policy Owner3 passes away    

 

Initial Policy Owner becomes totally disabled4

    

The premium will be waived until the child, as the insured who is the person protected under the Basic Plan, reaches 25 years of age, or the premium payment term of the Basic Plan and rider benefits (if any) comes to an end, whichever is earlier.

Remarks:

  1. These rider benefits can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. The premium will only be waived until the Initial Policy Owner recovers from total disability.
  3. The Initial Policy Owner is the owner of the Basic Plan at the time this rider benefit is issued.
  4. The premium will be waived if the Initial Policy Owner becomes Totally Disabled before the age of 60. Totally Disabled means the Initial Policy Owner is: (i) continuously completely disabled for a period of no less than 6 consecutive months; (ii) continuously completely 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.

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 Owner Benefit upon Death / Owner Benefit upon Disability or Death

Tender Care Benefit is an optional rider benefit of Sun Life insurance plan1.

This rider benefit reimburses medical expenses and gives you a special allowance if the insured, who is the child protected under the Basic Plan, is injured in an accident.

 

We will pay out a cash lump-sum upon the death or loss of a limb or sight of the insured due to an accident. The amount of Accidental Injury Benefit will be doubled if the insured is a passenger in a school bus or other public transport conveyance when an accident happens.

 

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 Tender Care Benefit

Total Disability Benefit is optional rider benefit 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.

 

Remarks:

  1. These rider benefit 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.

 

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 Total Disability Benefit

offer

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

By Jun 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!

*Offer is subject to terms and conditions. First come, first served basis is applied.

Talk to our Advisor

The following terms and conditions apply to the offers (“Offers”) from January 1, 2026 to June 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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