Stellar

Stellar

Stellar is 1st ESG-focused savings plan in the market1 that actively integrates Environment, Social and Governance (ESG) concepts into its own investment strategies. As a participating insurance plan, this plan comes with only 2 years of premium payment and enables you to enjoy potential long-term wealth growth without committing to long-term payments.

Make a difference by supporting The Green Earth’s “Rethink Plastic” Education Campaign

From now until June 30, 2022, in addition to enjoying the offers below when you successfully apply for Stellar, a donation of HKD130 will also be made on your behalf to support “Rethink Plastic” Education Campaign organized by The Green Earth, an environmental charity organization. 

The campaign is a long-term initiative designed to raise public awareness on plastic pollution issues in Hong Kong and encourage the public to use plastic and manage plastic waste responsibly. The donation will go towards a range of educational programs that help create a sustainable living environment and zero-waste culture for a healthier, greener city! Please visit rethinkplastic.greenearth.org.hk for more about the campaign.

Subject to relevant terms and conditions.

 

Client Offers

From now until June 30, 2022, if you successfully apply for Stellar and fulfill designated requirements, you will be entitled to 3% premium rebate on your Annualized First Year Premium ("AFYP") and a guaranteed 5% p.a. prepayment interest rate if you fully prepaid all premiums at issuance!

As our Selected Sun Life Client, you can enjoy an extra 2% premium rebate on AFYP by providing your account information in the “Selected Sun Life Clients Form”.

The offers are subject to terms and conditions. Details please download and refer to the promotion leaflet.

Talk to our Advisor    Download promotion leaflet

 

Highlights:

  1. Provides potentially long-term wealth growth through the Guaranteed Cash Value, non-guaranteed Reversionary Bonus2 and Terminal Bonus2
  2. Starting from the 10th policy year, projected total cash value3 doubles at every 10 years
  3. Allows you to exercise Change of Coverage Option4 and Change of Insured Option4 according to your needs, giving you flexibility in legacy planning
  4. Provide withdrawal option to withdraw all or part of the cash value of the accumulated Reversionary Bonus5 (if any) for meeting your financial needs
  5. Offer 3 flexible Death Benefit Settlement Optionsfor your family should the worst happen
  6. Ensure your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option7

Learn more about ESG

 E S  G

refers to Environmental,

which covers areas such as climate change, resource scarcity and environmental pollution.

refers to Social,

which focuses on topics like labour issues, public health and cyber security.

refers to Governance, 

which is about factors such as board diversity, structure and company policies.

Broadly speaking, ESG is a tool to analyze sustainability of a company. You can expect a more sustainable return and lower risk from companies with outstanding ESG rating. For those companies with higher ESG rating, it is expected to expose to a lower potential risk resulting from incidents such as worker strikes, litigation and negative publicity, which may cause lower future returns. As such, monitoring such ESG rating of an investment can probably led to better risk-adjusted return. ESG rating can be regarded as intangible assets of a responsible company such as Sun Life and it is an important indicator of our commitment on sustainable development.

Download ESG Flyer

Limited Time Offer

Catch the limited time offer for HKD100 voucher*

Meet with one of our advisors, use Retirement Calculator to understand retirement saving goals and shortfall. Then complete the eFNA before September 30, 2022 for a HKD100 voucher*!

Meet up now

*Offer is subject to terms and conditions. 

The following terms and conditions apply to the offers (“Offers”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions

a. The Offers are only available during the respective offer periods stated above.

Participation outside the offer periods is not eligible.

b. The employees of Sun Life are eligible to participate.

c. The financial advisors of Sun Life are not eligible to participate

d. Participants need to complete all aforementioned steps in order to participate.

e. No transfer, assignment, cash redemption or substitution by participants is permitted. Sun Life, may at its sole discretion, reserves the right to substitute the voucher (or part of the voucher) with an alternative gift with the equal monetary value and/or specification.

f. Sun Life is not the supplier of the voucher. Any enquiry or complaint for the quality related to the e-coupon or service provided should be directed to the relevant service provider or other third parties. Sun Life shall assume no liability in respect thereof. The service provider is solely responsible for all service offered to participants.

g. The use of the voucher shall be subject to the terms of conditions of the voucher / service provider.

h. 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 reasonable control, Sun Life reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the Offers without prior notice.

i. Voucher will be given out in a first-come-first-serve basis, maximum 1,000 eligible participants.

j. Participants will be contacted by email or SMS for voucher redemption within 1 month after participation upon the completion of all aforementioned steps.

k. Sun Life reserves the right to amend the above terms and conditions without prior notice. In case of any dispute arising from this Campaign, the decision of Sun Life shall be final and conclusive.

  1. This is based on market conditions as of April 12, 2022 and comparison among other savings plans for new Composite and Long Term Businesses as defined by the Insurance Authority in the Register of Authorized Insurers.
  2. Reversionary Bonus and Terminal Bonus are non-guaranteed and are determined in accordance with the rules set out by Sun Life Hong Kong Limited (“Sun Life”) from time to time. The Reversionary Bonus and Terminal Bonus may vary based on the performance of a number of experience factors, with the investment return normally being the main determinant. Other factors include, but not limited to, claim experience, policy expenses, taxes, and policy owner termination experience.
  3. The projected total cash value refers to the sum of Guaranteed Cash Value, projected non-guaranteed cash value of accumulated Reversionary Bonus and projected non-guaranteed cash value of Terminal Bonus. 
  4. The Change of Coverage Option and Change of Insured Option are subject to the prescribed conditions set out in the policy provisions being fulfilled. Please refer to sample policy provisions for details.
  5. The maximum and minimum amount of cash withdrawal is subject to the then current administrative rules.
  6. The Death Benefit Settlement Option may be exercised subject to a minimum amount of Death Benefit and the then current administrative rules determined by Sun Life from time to time.
  7. The Designation of Contingent Policy Owner Option is subject to the prescribed conditions set out in the policy provisions being fulfilled, the then current administrative rules, underwriting rules, any other requirements and the approval of Sun Life.

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 and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

 

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