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.

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

Victory Client Offer

Promotion period: July 1, 2021 – September 30, 2021

You may enjoy 5% premium rebate on AFYP of Victory upon successful application during the promotion period. If you are the Selected Sun Life Client, you may enjoy an extra 5% premium rebate on AFYP. This offer is capped at HKD10,000 premium rebate for the same insured and policy owner.

There are more client offers on life protection, savings plan and medical protection, let’s check out with our advisors!

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

Download Promotion Leaflet

 

Limited Time Offer

Catch the limited time offer for HK$150 voucher*

Plan ahead and add up the numbers along the way. 

Meet with one of our advisors, register a new account at Retirement Journey Planner for free and follow the specific requirements on or before 31 August 2021 for a HK$150 gourmet voucher*!

  • Track your retirement gap with the upcoming Retirement Journey Planner! Start Planning
  • Discover your retirement savings goal and shortfalls in 3 steps with Retirement Calculator. 

Start Calculation

*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 3,000 eligible participants.

j. Participants will be contacted by email or SMS for voucher redemption within two weeks after Offers period and 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. 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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