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Vision

Vision is a participating insurance plan that provides stable monthly income and allows you to plan for a simple and effective legacy succession.

Highlights:

Sun Life Vision for legacy planner

Financial goal:
To accumulate wealth stably with security for legacy planning

How can Vision help you?

Sun Life Vision feature 1 icon, pass your wealth to future generations Sun Life Vision feature 1 icon, pass your wealth to future generations

This plan allows you to exercise Change of Coverage Option1 and Change of Insured Option1 when necessary, giving you flexibility in legacy planning

Sun Life Vision feature 2 icon, stable monthly income Sun Life Vision feature 2 icon, stable monthly income

The plan provides stable monthly income starting from the beginning of the 2nd policy year, not only serve the purpose of wealth accumulation, it also brings a steady stream of cash flow for settling your retirement expenses and giving you peace of mind in retirement

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan offers a flexible suite of premium payment options to uplift your flexibility in legacy planning

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan offers Premium Suspension Option4 for flexible contributions during difficult financial situations

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan ensures your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option5

Mrs. A plans to leave her legacy to future generations. Vision, which offers up to 120 years of coverage, not only serves her purpose of wealth accumulation for her future generations to come, its Change of Coverage Option1 and Change of Insured Option1 also give her flexibility in legacy planning.

Sun Life Vision Case A Profile

Assume Cash Payment is selected for receiving the Monthly Coupon, the projected total return of the policy at 120th policy year at maturity:

Sun Life Vision Case A Total Return

The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.

Sun Life Vision for family builder

Financial goal:
To reserve sufficient financial reserve for safeguarding beloved kids and family members

How can Vision help you?

Sun Life Vision feature 1 icon, pass your wealth to future generations Sun Life Vision feature 1 icon, pass your wealth to future generations

This plan takes care your needs when starting a family, it allows you to exercise Change of Coverage Option1 and Change of Insured Option1 when necessary, offering you flexibility in financial planning

Sun Life Vision feature 2 icon, stable monthly income Sun Life Vision feature 2 icon, stable monthly income

The plan provides stable monthly income starting from the beginning of the 2nd policy year, not only serve the purpose of wealth accumulation, it offers a steady stream of cash flow for settling household expenses as well as adding up protection for you and your family members

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

Understand the huge family expenses, this plan offers up to 10 years premium payment term to release the premium payment burden and uplift your flexibility in legacy planning

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan offers Premium Suspension Option4 for flexible contributions during difficult financial situations

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan ensures your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option5

Mrs. B plans to build financial reserve to safeguard her beloved kids and family members. Vision, which offers up to 120 years of coverage, not only serves her purpose of wealth accumulation for her future generations to come, its Change of Coverage Option1 and Change of Insured Option1 also give her flexibility in financial planning.

Sun Life Vision Case B Profile

Assume Cash Payment is selected for receiving the Monthly Coupon, the projected total return of policy at 120th policy year at maturity:

Sun Life Vision Case B total return

The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.

Sun Life Vision for career starter

Financial goal:

To accumulate capital for capturing career opportunities as well as adding protection to oneself

How can Vision help you?

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

Understand youngsters might not have sufficient funds, this plan offers up to 10 years premium payment term to release the premium payment burden and uplift your flexibility in legacy planning

Sun Life Vision feature 2 icon, stable monthly income Sun Life Vision feature 2 icon, stable monthly income

The plan provides stable monthly income starting from the beginning of the 2nd policy year, not only serve the purpose of wealth accumulation, it offers a steady stream of cash flow for achieving your career aspiration as well as adding up protection for yourself

Sun Life Vision feature 1 icon, pass your wealth to future generations Sun Life Vision feature 1 icon, pass your wealth to future generations

This plan take cares your needs when starting a family, it allows you to exercise Change of Coverage Option1 and Change of Insured Option1 when necessary, offering you flexibility in financial planning

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan offers Premium Suspension Option4 for flexible contributions during difficult financial situations

Sun Life Vision feature 3 icon, 3 premium payment terms Sun Life Vision feature 3 icon, 3 premium payment terms

The plan ensures your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option5

Mr. C is a young and energetic individual who is working hard to start up his own business and retire early. As Vision guarantees a stable monthly income starting from the 2nd policy year, Mr. C wants to leverage the plan to save part of his savings from work while growing the capitals for his business and retirement purpose.

Sun Life Vision Case C Profile

Assume Cash Payment is selected for receiving the Monthly Coupon, the projected total return of policy at Mr. C age 120:

Sun Life Vision Case C total return

The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.

Vision Client Offer

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

You may enjoy up to HKD88,000 premium rebate upon successful application of Vision with the designated AFYP requirements. If you are the Selected Sun Life Client, you may enjoy an extra HKD6,800 premium rebate upon fulfilling the designated AFYP requirement as well.

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. 

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*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 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. The Change of Coverage Option and Change of Insured Option are subject to the prescribed conditions set out in the policy provisions are fulfilled. Please refer to sample policy provisions for details.
  2. The Guaranteed Saving Amount is used to calculate premium, Guaranteed Monthly Coupon and other relevant policy values. It is not equivalent to the Death Benefit payable upon the death of the Designated Insured. Designated Insured refers to the insured whose death the Death Benefit is payable.  If your chosen Coverage is Single Life, the Designated Insured is the Insured. If your chosen Coverage is Joint Life, the Designated Insured is the Last Surviving Insured.
  3. The Non-guaranteed Monthly Coupon, Reversionary Bonus and Terminal Bonus are non-guaranteed and is subject to change from time to time at Sun Life’s 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.
  4. The Premium Suspension Option is only applicable to the Vision policy with premium payment term of 5 or 10 years. 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.
  5. 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 and full terms and conditions including key product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

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