Victory is a participating insurance plan that helps you achieve potentially high long-term asset growth at affordable premiums. The plan focuses on establishing a legacy, help you carry forward the prosperity of your family generations after generations.
Highlights:
Provides potentially high long-term wealth growth through the Guaranteed Cash Value, non-guaranteed Reversionary Bonus1 and Terminal Bonus1.
Allows you to exercise Change of Coverage Option2 and Change of Insured Option2 according to your needs, giving you flexibility in legacy planning
Premium Suspension Option3 for flexible contributions during difficult financial situations
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
Ensure your policy will endure beyond your lifetime by exercising the Designation of Contingent Policy Owner Option6
Limited Time Offer:
Enjoy up to 10% premium rebate for Victory
From now to June 30, 2025
If you successfully apply for Victory with designated AFYP requirement, you will be entitled up to 10% premium rebate on AFYP!
The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.
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).
- 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.
- 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.
- 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.
- Only applicable to 5 years premium payment term.
- 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.
- 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.