Enjoy Guaranteed Cash Value1 and non-guaranteed bonuses
Stellar Multi-Currency Insurance Plan II is a participating insurance plan that enables you to accumulate savings and pass down your wealth through generations, with flexible policy options for unlimited change of insured and coverage should you have the need, and multi-currency features that let you easily adapt your plan to life’s unexpected changes.
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Long-term savings and growth potential
Currency change between six policy currencies
Freely change your policy currency2 and accumulate wealth in United States Dollar (USD), Canadian Dollar (CAD), British Pound Sterling (GBP), Renminbi (RMB), Australian Dollar (AUD) or Hong Kong Dollar (HKD).
Premium relief features
Ease your financial burdens during challenging periods by deferring or waiving future premiums3 if mishap happens
Incapacity safety net
Appoint a family member to file a claim4 for you in case you are unable to
Flexible ways for legacy planning
Change the insured, or swap between a Single Life or Joint Life policy
Hassle-free inheritance allocation
Continued wealth accumulation and last through the generations.
Comprehensive Death Benefit Settlement Options
Design the best payout pattern or continue the policy. Learn more about Death Benefit Settlement Options
Lock-in your policy values
Enjoy greater certainty over potential gains5
Protection for your policy
Designate Contingent Policy Owner6 and Interim Policy Owner6 after policy issuance to ensure your policy endures for generations. Learn more about
Access your withdrawals overseas
Easily transfer to overseas bank accounts with the Overseas Transfer Service7
Celebrate an insured’s academic success
Rewards to honor an insured’s academic achievement
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 product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.
View bonus philosophy.
What is ESG
ESG is a tool to analyze sustainability of a company. You can expect a more sustainable return and lower risk from companies with outstanding ESG rating. For those companies with higher ESG rating, it is expected to expose to a lower potential risk resulting from incidents such as worker strikes, litigation and negative publicity, which may cause lower future returns.
- E - Refers to Environmental, which covers areas such as climate change, resource scarcity and environmental pollution.
- S - Refers to Social, which focuses on topics like labour issues, public health and cyber security.
- G - Refers to Governance, which is about factors such as board diversity, structure and company policies.
Client Offers
Enjoy up to 86% premium rebate of AFYP for Stellar Multi-Currency Insurance Plan II
From now to May 31, 2026
If you successfully apply for Stellar Multi-Currency Insurance Plan II with designated AFYP requirement, you will be entitled up to 86% premium rebate of AFYP!
The offer is subject to terms and conditions. Please download and refer to the promotion leaflet for details.
- The Guaranteed Cash Value grows steadily from the policy inception (for 3 pay) / the second policy year (for 6 pay) / the third policy year (for 12 and 18 pay) and continues to grow until the end of 120th policy year, staying the same thereafter.
- Upon approval of the currency change, the policy year, policy owner and insured(s) will remain unchanged. The Notional Amount after the Currency Change Option is exercised cannot be less than the minimum amount requirement as required by the then current administrative rules.
- Premium Holiday Option, Waiver of Premium Benefit, Payor Benefit, and Waiver of Premium for the Beneficiary under the Continuation Option are only available for 6-/12-/18-pay policies.
- The irrevocable beneficiary(ies) (if any) and the assignee (if any) must agree in writing to the requested designation of (a) the Incapacity Benefit Recipient; and (b) the Incapacity Benefit Percentage. Any existing Incapacity Benefit Recipient will be automatically revoked when (a) you designate a new Incapacity Benefit Recipient and your request is approved by us; (b) the policy owner is changed; (c) Sun Life HK has been notified that there is a guardian or committee appointed under the Mental Health Ordinance (Cap. 136 Laws of Hong Kong SAR) (or if there is a guardian or committee appointed under similar laws in another jurisdiction); or (d) Sun Life HK has been notified that the policy owner has an enduring power of attorney covering the policy. In the event that there is a dispute between the Incapacity Benefit Recipient and any other person, including but not limited to the insured's guardian, committee, attorney, beneficiary(ies), assignee or in our reasonable belief that there is such a dispute, Sun Life HK reserves the right to withhold the payment of the Incapacity Benefit until such dispute is resolved.
- The Notional Amount after the Value Lock-in Option is exercised cannot be less than the minimum amount requirement.
- Requests may be subject to our underwriting approval.
- The Overseas Transfer Service is an administrative service provided by the third-party banks / service providers. This service is not guaranteed, and we may amend or terminate this service without advance notice. The provision of the Overseas Transfer Service shall be subject to applicable laws, regulations and guidelines from regulatory authorities of the relevant jurisdictions. We are not responsible for any act, negligence or failure to act on the part of the relevant third-party banks / service providers. We will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the service.
Catch the limited time offer for HK$100 Starbucks e-voucher
By Jun 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 June 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).