- 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, after the 5th policy year, the remaining Notional Amount cannot be less than the minimum amount of USD500.
- This is based on market conditions as of December 31, 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.
- Accidental Caring Plus Benefit could only be claimed once under the Basic Plan. The maximum amount for this benefit is up to USD1,250,000 per life and it covers all policy(ies) of this product and any other products with the same Accidental Caring Plus Benefit issued by Sun Life for the same insured.
- 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 then current administrative rules. The application for the Policy Split cannot be withdrawn or changed once the Policy Split is approved and completed.
- 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.
- The new insured must have insurable interest with the existing policy owner at the time of change of insured which is subject to the then current administrative rules, underwriting rules, any other requirements and the approval of Sun Life. If the benefit term is extended due to the change of insured, the amount of Guaranteed Cash Value beyond the original maturity date will not be less than the amount on the original maturity date before the change. The Change of Insured Option is subject to the prescribed conditions set out in the policy provisions being fulfilled. Please refer to sample policy provisions for details.
- 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.
- This is subject to the then current administrative rules and approval by Sun Life.
- 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.
SunJoy is a participating insurance plan designed to offer potential long-term wealth growth and flexible options for clients with withdrawal needs, enables you to fulfill life’s every possibility with joy and efficiency.
Highlights:
- Short Premium Payment Term: 2-Pay and 5-Pay
- ESG-focused savings plan that offers long-term savings and wealth growth potential up to age 120 with early breakeven year
- Enjoy flexibility of withdrawals1 to support the financial needs
- Provide First-in-market2 protection against accident with Accidental Caring Plus Benefit3 free of charge
- Act as a comprehensive legacy solution by offering free Policy Split Option4, 6 Comprehensive Death Benefit Settlement Options5 and unlimited change of insured option6 when needed
- Embed with financial flexibility by offering Designation of Contingent Policy Owner Option7, Waiver of Premium Benefit8, Payor Benefit8 and Premium Holiday Option9
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.
Limited Time Offer:
Enjoy up to 74% premium rebate for SunJoy
From now to June 30, 2025
If you successfully apply for SunJoy (2-Pay) / SunJoy (5-Pay) with designated AFYP requirement and Premium Payment Term requirement, you will be entitled up to 74% premium rebate of AFYP!
The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.
Enjoy Exclusive Medical Services for SunJoy / SunGift series
From now to June 30, 2025
Upon successful application to SunJoy / SunGift / SunJoy Global / SunGift Global, you, the insured and his/her immediate family members can enjoy Free Medical Services including:
- Medical Concierge Services
- AdvicePro (Face-to-face Second Medical Opinion Service)
- Mainland China VIP Medical Navigation Services
- Medical Green Channel
- Overseas Medical Referral and Arrangement Service
- Comprehensive Genomic Profiling
The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.
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.
Catch the limited time offer for HK$100 Starbucks e-voucher
By Apr 30, 2026
- Meet with one of our appointed advisors after submitting the enquiry form below and
- 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.
The following terms and conditions apply to the offers (“Offers”) from January 1, 2026 to April 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.
- The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
- Participants need to complete all the following steps in order to participate (“Eligible Participants”),
- fill in the form on Sun Life website; and
- meet with the designated advisor and complete the eFNA.
- 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.
- Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
- 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.
- The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
- 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.
- 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.
- 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.
- Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
- 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.
- 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 .
- 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.
- 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.
- 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.
- Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
- 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.
- 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).
[Limited Time Offer] Leave your contact now and get a chance to receive a HK$100 Starbucks e-voucher*!
*Terms and Conditions Apply
For more information, please visit here