BRIGHT UL Wealth-Builder

Wealth‑accumulation IUL

Generate predictable annual income while growing long‑term savings steadily.

BRIGHT UL Wealth-Builder is a universal life plan that benefits from competitive interest rates, protecting your assets with stable investment returns.

On the 10th policy anniversary, a guaranteed minimum Crediting Interest Rate1 secures growth for the portion of your Account Value2 that was funded by your Initial Premium, while a bonus interest3 boosts your returns further from the 11th policy year onwards, helping you achieve long-term financial security. With the plan’s simplified underwriting procedures, your financial planning and protection can commence with ease.

Premium arrangements are simple and flexible. Once the Initial Premium is paid, you are free to pay subsequent premiums at any time. This makes BRIGHT UL Wealth-Builder an ideal complement to your existing financial plan.

Highlights:

  1. Guaranteed minimum Crediting Interest Rate for secured returns
  2. Bonus interest for extra growth potential
  3. Flexibility to top up and cash out to suit your financial needs
  4. A Death Benefit for your family should the worst happen
  5. Emergency relief anytime, anywhere with our free Worldwide Emergency Assistance Benefit4

 
  1. If your policy is terminated within the first 10 policy years, the guaranteed minimum Crediting Interest Rate will not apply. This guaranteed minimum Crediting Interest Rate does not reflect the various applicable charges. The Initial Premium Account Value used for calculation will be adjusted by: (1) any cash withdrawal, assessed pro rata; (2) Premium Charge for the Initial Premium; (3) Policy Fee; and (4) interest accrued.
  2. The Account Value of your policy equals the total premium paid, less all applicable Premium Charges, Policy Fees and cash withdrawals, plus any interests of Bonus Crediting Interest Rate and Crediting Interest Rate accrued and earned daily.
  3. You can enjoy a Bonus Crediting Interest Rate on top of the then Crediting Interest Rate starting from the 11th policy year, subject to Minimum Account Value requirement. The amount of Bonus Crediting Interest Rate depends on how long your policy has been in force. The Bonus Crediting Interest Rate and Minimum Account Value Requirement may be increased or decreased at Sun Life Hong Kong Limited’s sole discretion with not less than 3 months’ prior notice.
  4. The Worldwide Emergency Assistance Benefit is provided by a third-party service provider. This benefit is not guaranteed to be renewable. Please refer to a sample endorsement, which will be provided upon request, for details including definitions, full terms and conditions, and exclusions.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product brochure and Policy Document for details including definitions and full terms and conditions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

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View crediting interest rate philosophy.

View current crediting interest rates of respective products.

offer

Catch the limited time offer for HK$100 Starbucks e-voucher

By Apr 30, 2026

  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 Starbucks e-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”) 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.

  1. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
  2. Participants need to complete all the following steps in order to participate (“Eligible Participants”),
    1. fill in the form on Sun Life website; and
    2. meet with the designated advisor and complete the eFNA.
  3. 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.
  4. Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
  5. 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. 
    1. The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
    2. 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.
    3. 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.
    4. 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.
    5. Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
    6. 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.
  6. 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 .
  7. 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.
  8. 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.
  9. 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.
  10. Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
  11. 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.
  12. 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).

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