LIFE Super / LIFE Super Plus

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

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.

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

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

Hospital Income Benefit is an optional rider benefit that you can add to your Sun Life insurance plan¹.

If you are hospitalized, this rider benefit provides fixed daily cash for up to 1,000 days per disability. Maximum benefit payable is up to HKD1,000,000/USD120,000. It also offers 3 plan levels to suit your budget.

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 Hospital Income Benefit

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

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

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

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

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

Total Disability Benefit / Advance Payment Disability Benefit are optional rider benefits 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.

You can also attach the Advance Payment Disability Benefit⁵ to your Total Disability Benefit to offset some daily expenses that may become a burden. Advance Payment Disability Benefit provides annual advance payments in a maximum of 10 equal yearly instalments in the unfortunate event that the insured becomes Totally Disabled before the age of 60, helping the insured to pay for medical expenses and other living costs.

Remarks:

1. These rider benefits 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.
5. Advance Payment Disability Benefit can only be purchased together with the Total Disability Benefit.

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 / Advance Payment Disability Benefit.