- The Growth Account Crediting Interest Rates are set by Sun Life Hong Kong Limited (“Sun Life”) based on the returns of underlying equity-like investments and are subject to change from time to time at our sole discretion.
- The Cap Rate is set by Sun Life and is subject to change from time to time at our sole discretion.
- Before the deduction of applicable fees and charges.
- Partial surrender is subject to the then current administrative rules, underwriting rules and any other requirements.
- Partial surrender is subject to the then current administrative rules. The Holding Account Value, Growth Account Value and Notional Amount will be proportionally reduced upon the approval of the partial surrender request.
SunRise Universal Life is a Universal Life plan designed to help you accumulate wealth through growth opportunities while protecting your wealth against the risk of market downturns. It helps your family flourish with a legacy built to last.
Highlights :
1. Seize upside potential for long-term wealth accumulation
- Your wealth is exposed to attractive potential growth opportunities through the Growth Account Crediting Interest Rates1, which can be up to 9.1% (based on current Cap Rate2 as of January 2023).
2. Double guarantee for downside protection
- Offers protection through a Cumulative Guaranteed Interest Rate of 2.75% p.a.3 for guaranteed accumulation of your wealth upon death, full surrender or policy maturity.
- Embeds with minimum guaranteed crediting interest rate of 0% p.a. for each year to shield you against market downturns.
3. Protect your wealth and legacy up to 120 years
- Offers Change of Insured Option shall you require and which you can exercise an unlimited number of times over the 120-year policy term if needed.
- To ensure your wishes are carried out, you can also tailor your legacy arrangement through the Policy Split Option and Death Benefit Settlement Options4.
4. Manage your wealth flexibly to ensure you stay flexible and agile
- You can request a partial surrender from your policy anytime after the 1st policy anniversary5
- You can make subsequent premium payments at any time.
5. Application is simple with no medical or financial underwriting requirements, while fees and charges are guaranteed to remain unchanged.
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.
Frequently Asked Questions :
The Account Value is the accumulation of the values from the Holding Account and the Growth Account. These values are increased by interest credited and decreased by applicable charges.
Sun Life invests in underlying equity-like investments in well-developed markets and will use the returns on these investments to support the Growth Account Crediting Interest Rate. The year-on-year actual Growth Account Crediting Interest Rate may be fluctuating within the Cap Rate and Growth Account Floor. Under certain circumstance, it may be zero due to the market downturn or even the impact of financial crisis. We reserve the right to change the rates at our discretion. For details, please refer to the product brochure.
The current Cap Rate is 9.10%, (as of January 2023) with a minimum guaranteed Cap Rate of 3.00%. The Cap Rate can be changed from time to time at our sole discretion and never decreases more than 0.5% year on year. It is affected by interest rate environment, market outlook, persistency experience.
The Growth Account Floor is always 0% and guaranteed not to be changed during benefit term.
SunRise Universal Life has below advantages:
- Provides high potential growth opportunity by transparent crediting interest rate mechanism*
- Offers the ability to ‘lock-in’ gains with Growth Account Floor at 0%
- Allow flexible liquidity that clients can pay more premium or partially withdrawal as they need subject to current administrative rules
*Growth Account Crediting Interest Rate is subject to Cap Rate and Growth Account Floor
A Segment is a part of Growth Account with a one-year Segment Term.
- It is created to receive a transfer from Holding Account on every 16th of a month and then deduct the monthly applicable charges and credit the applicable interest at Segment Maturity Date.
- To allow the client to enjoy a potentially higher return, each Segment would have its Growth Account Crediting Interest Rate which would be fluctuated and subject to Cap Rate and Growth Account Floor.
- It would roll into the new Segment automatically after one-year term from its start date.
DCAO is an option to helps smooth out the impact of market volatility by separating the allocation of Holding Account to Growth Account in different time points. With DCAO, a portion of Holding Account Value with respect to a premium after deducting applicable charges and interest credited is moved into the Growth Account over a 12-month period (instead of all at once at the start of a new Segment) such that the clients can possibly enjoy 12 different Growth Account Crediting Interest Rate in different period. Clients may choose to initiate this feature at the time of each Subsequent Premium payment.
No, the Holding Account Value would be transferred to the Growth Account on the 16th of next month automatically in one go except DCAO is applied. The Growth Account Value would never be transferred back to Holding Account.
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