Semi-Private room medical coverage in Asia】Apply WeHealth Prestige to get 6 months premium rebate! Click here

Stellar (6/12/18-Pay)


Stellar (6,12 and 18-Pay) is 1st ESG-focused savings plan in the market1 that actively integrates Environment, Social and Governance (ESG) concepts into its own investment strategies. More importantly, it is serving as a comprehensive legacy solution tool that enables you to accumulate savings and pass down your wealth through generations.



  1. Possess long-term savings and wealth growth potential
  2. Offer Waiver of Premium Benefit2, Payor Benefit2 and Premium Holiday Option3 to ease your financial burdens and accompany you through different stages of life
  3. Unlimited Change of Insured Option4 and Change of Coverage Option4 when needed to enable uninterrupted legacy planning
  4. Free Policy Split Option5 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
  5. Comprehensive Death Benefit Settlement Options6 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 the wealth
  6. Safeguard your wealth through Designation of Contingent Policy Owner Option7 which allows designated Contingent Policy Owner to automatically become the new policy owner, and ensure the inheritance of wealth from generation to generation
  7. Offer withdrawal option8 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

【Sun Life x Manner:Choices in Love】

People often get a long wishlist while selecting a perfect partner for a long term relationship, same applies to legacy planning, we would also love to get a professional and capable perfect team to help manage our asset.

Let's see what is the choice that Yelo and Hou Dee made when they encounter choices in life!

Limited Time Offer

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

From now until March 31, 2023

When you successfully apply for Stellar (6-Pay) by using our electronic services (i.e. eApplication, eContract and eAdvice) with prepayment arrangment, a donation of HKD130 will 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 for more about the campaign.

Subject to relevant terms and conditions.


Enjoy up to 25% premium rebate for Stellar 

From now to March 31, 2023

If you successfully apply for Stellar (6-Pay) / Stellar (12-Pay) / Stellar (18-Pay) with designated AFYP requirement, and apply for WeHealth PrestigeWeHealth PreferredWeHealth Plus or WeHealth, you will be entitled up to 25% premium rebate on AFYP!

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

Enjoy Free Vaccination Side Effect Cover for Stellar 

From now until September 30, 2023

If you successfully apply for Stellar, you will be entitled the free protection against vaccination side effect cover and no registration is required.

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. If your chosen coverage is Joint Life, both insureds must reach age 18 or above for Waiver of Premium Benefit; while one of the insureds must age under 18 for Payor Benefit. This is subject to the then current administrative rules and approval by Sun Life.
  3. The Premium Holiday 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. Upon approval of Premium Holiday, Sun Life will not declare any face value and cash value of Reversionary Bonus under the policy and the Guaranteed Cash Value, face value and cash value of the accumulated Reversionary Bonus (if any) will be maintained at the level immediately before the Premium Holiday Period starts. Please refer to a sample Policy Document for details including definitions of capitalized terms and full terms and conditions of coverage.
  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 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.
  6. 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.
  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.
  8. 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.


Contact an advisor for a meeting today!

Items marked with "*" are required fields.

Are you an existing Client?

We will be in touch soon. Please leave your details below.

I am not a robot

I have read and understood the Personal Information Collection Statement (PICS)

By clicking the box, I confirm that I agree to Sun Life Hong Kong Limited’s use of the provided personal data for direct marketing purposes in accordance to PICS.