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Victory

Victory is a participating insurance plan that helps you achieve potentially high long-term asset growth at affordable premiums. The plan focus on establishing a legacy, help you carry forward the prosperity of your family generations after generations.

Apply Victory to enjoy up to 10% premium rebate offer

Between April 1, 2021 and June 30, 2021, , you may enjoy up to 10% premium rebate on Annualized First Year Premium upon successful Victory application which meets the AFYP condition.

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

Learn more   

 

Highlights:

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Provides potentially high long-term wealth growth through the Guaranteed Cash Value, non-guaranteed Reversionary Bonus1 and Terminal Bonus1.

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Allows you to exercise Change of Coverage Option2 and Change of Insured Option2 according to your needs, giving you flexibility in legacy planning

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Premium Suspension Option3 for flexible contributions during difficult financial situations

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By opting to pay your full premium at policy issuance4 , you can get a head-start on your wealth accumulation journey with the optional Value Enhancer5

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Ensure your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option6

  1. Reversionary Bonus and Terminal Bonus are non-guaranteed and are subject to change from time to time at Sun Life sole discretion. They 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.
  2. The Change of Coverage Option and Change of Insured Option are subject to the prescribed conditions set out in the policy provisions. Please refer to sample policy provisions for details. All new insured(s) must have insurable interest with the existing policy owner at the time of change of coverage or change of insured which is subject to the prescribed conditions set out in the policy provisions, 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 or change or coverage, 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.
  3. The Premium Suspension Option is subject to the prescribed conditions set out in the policy provisions, the then current administrative rules, any other requirements, and the approval of Sun Life.
  4. Only applicable to 5 years premium payment term.
  5. Value Enhancer is a rider benefit attached to your policy if you opt to and prepay your full premium at policy issuance. The prepayment of premium will be credited to a Premium Deposit Fund and the annual premium due will be deducted from the Premium Deposit Fund at the beginning of the policy year. Under Value Enhancer, withdrawal from Premium Deposit Fund is not allowed. When you surrender your policy in full or partially, the remaining balance of Premium Deposit Fund at the time of policy surrender will be refunded accordingly, in proportional to the reduced Notional Amount.
  6. The Designation of Contingent Policy Owner Option is subject to the prescribed conditions set out in the policy provisions, 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, full terms and conditions and exclusions 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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