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Stellar (2-Pay)


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 payment


  1. Possess long-term savings and wealth growth potential
  2. Unlimited Change of Insured Option2 and Change of Coverage Option2 when needed to enable uninterrupped legacy planning
  3. Free Policy Split Option3 to execute when you are alive or upon death of Designated Insured, the designated beneficiary could automatically become the New Insured which facilitates uninterrupted legacy planning
  4. Comprehensive Death Benefit Settlement Options4 that can tailor to each beneficiary and let your love sustain, including a First-in-market option to help your beloved to ease the difficult moments and pass on your wealth
  5. Safeguard your wealth through Designation of Contingent Policy Owner Option5 which allows designated Contingent Policy Owner to automatically become the new policy owner, and ensure the inheritance of wealth from generation to generation
  6. Offer withdrawal option6 to meet your financial needs

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

Enjoy up to 2% premium rebate for Stellar (2-Pay)

From now to June 30, 2023

If you successfully apply for Stellar (2-Pay) with designated AFYP requirement,  you will be entitled up to 2% premium rebate on AFYP!

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

Catch the limited time offer for HK$100 gourmet voucher

By June 30, 2023,

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 gourmet 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”) during April 1, 2023 to June 30, 2023, both days inclusive (“Promotion Period”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions.

a. The gourmet voucher is only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.

b. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.

c. Participants need to complete all aforementioned steps in order to participate (“Eligible participants”).

d. The gourmet voucher is provided by Starbucks and ParknShop; Sun Life is not the supplier of the gourmet voucher (“Gifts”). Any enquiry or complaint for the quality related to the redemption and use of the Gifts 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.

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

f.  The redemption and use of the Gifts shall be subject to the terms of conditions of the voucher / service provider.

g.  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 or relevant events without prior notice.

h. Gifts will be given out in a first come, first served basis, maximum 2,000 Eligible participants, each is entitled to enjoy once.

i.  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.

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

k. These terms and conditions are governed by the laws of Hong Kong.

  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, claims experience, policy expenses, taxes, and policy owner termination experience.
  3. The application for Policy Split Option can be made once per policy year only. Upon approval of the Policy Split, the policy year, maturity date, policy owner and insured(s) of the Split Policies etc. will be same as original policy and no cooling-off period is available for Split Policies. The Notional Amount of Split Policies cannot be less than the minimum amount requirement as required by the current administrative rules. The application for the Policy Split cannot be withdrawn or changed once the Policy Split is approved and completed.
  4. The Death Benefit Settlement Options 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.
  5. 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.
  6. The maximum and minimum amount of cash withdrawal is subject to the then current administrative rules. The Notional Amount after withdrawal must be subject to the minimum Notional Amount requirement of the corresponding premium payment term in the then current administrative rules; however, starting from the 21st policy year, the remaining Notional Amount cannot be less than the minimum amount of USD 500.

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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