【Semi-Private room medical coverage in Asia】Apply WeHealth Prestige to get 6 months premium rebate! Click here
CLIENT LOG ON
CUSTOMER SIGN IN
Please sign
Not registered? Register
By signing in, you agree to these terms and conditions.
- Please enter a search term.
Regions
Regions
Languages
-
You are on the Sun Life Financial Hong Kong website. Language selection is English. Expand or collapse region and language section. HONG KONG | 中文
-
Life Moments
Staying healthy
Preparing to retire
Enjoying retirement
Bright Tips
-
Insurance
Limited time offer
Value-added Services
- Overview
- Medical Concierge Services
- Local Urgent Care
- AdvicePro (Face-to-face Second Medical Opinion Services)
- Cashless Arrangement Service
- Mainland China VIP Medical Navigation Service
- Comprehensive Genomic Profiling
- Family Care Benefit
- Cancer and Stroke Family Support Program
- Worldwide Emergency Assistance Benefits
- Critical Illness Professional Assessment and Referral
- Overseas Medical Referral and Arrangement Service
Savings & Life
- Overview
- Fulfillment ratios of respective products
- Dividend and bonus philosophy of respective products
- FlexiRetire Annuity Plan
- Foresight Deferred Annuity Plan
- Generations II
- LIFE Brilliance
- One / Five Year Term Plan II
- Ruby Endowment Plan 3/8
- SaveFast Endowment Plan
- Stellar Multi-Currency Plan
- SunGift
- SunGift Global
- SunGuardian / SunGuardian (Care Version)
- SunJoy
- SunJoy Global
- SunProtect
- Venus II
- Victory
- Vision
- Vital
Voluntary Health Insurance Scheme (VHIS)
Medical & Critical Illnesses
Accident & Disability
Universal Life
Group Insurance
-
MPF & ORSO
MPF Scheme
- Overview
- Sun Life Rainbow MPF Scheme
- Digitalizing your MPF journey
- MPF FAQs(For Sun Life Rainbow MPF Scheme only)
- Tax Deductible Voluntary Contributions (TVC)
- Personal Account
- Default Investment Strategy (DIS)
- Visit Key Scheme Information Document (Web version)
- Employee choice arrangement
- About the eMPF Platform
- Hotline & address
ORSO fund prices & performance
* Sun Life MPF Master Trust has been merged into Sun Life Rainbow MPF Scheme from 30 August 2023
# Sun Life MPF Basic Scheme and Sun Life MPF Comprehensive Scheme have been merged into Sun Life Rainbow MPF Scheme from 29 November 2023
-
Invest
Quick links
Investment-linked Assurance Scheme
Asset Management
-
About us
Quick links
Who we are
Newsroom
Market Insights
Tools & Resources
- Overview
- Digital insurance experience
- My Sun Life HK Client Digital Platforms
- Retirement Calculator
- My Sun Life HK – Group Health app
- Education Budget Calculator
- Bright Solutions
- Cost estimator of treating major illnesses
- First Contribution Calculator
- Investment Risk Assessment
- Retirement Savings Calculator
- Expense Calculator
- Savings Planning Calculator
- Please enter a search term.
-
HONG KONG | 中文
Regions
RegionsLanguages -
Life Moments
Life Moments
-
Insurance
Insurance
- Insurance overview
- Limited time offer
-
Value-added Services
- Back
- Value-added Services overview
- Medical Concierge Services
- Local Urgent Care
- AdvicePro (Face-to-face Second Medical Opinion Services)
- Cashless Arrangement Service
- Mainland China VIP Medical Navigation Service
- Comprehensive Genomic Profiling
- Family Care Benefit
- Cancer and Stroke Family Support Program
- Worldwide Emergency Assistance Benefits
-
Savings & Life
- Back
- Savings & Life overview
- Fulfillment ratios of respective products
- Dividend and bonus philosophy of respective products
- FlexiRetire Annuity Plan
- Foresight Deferred Annuity Plan
- Generations II
- LIFE Brilliance
- One / Five Year Term Plan II
- Ruby Endowment Plan 3/8
- SaveFast Endowment Plan
- Stellar Multi-Currency Plan
- SunGift
- SunGift Global
- SunGuardian / SunGuardian (Care Version)
- SunJoy
- SunJoy Global
- SunProtect
- Venus II
- Victory
- Vision
- Vital
- Voluntary Health Insurance Scheme (VHIS)
-
Medical & Critical Illnesses
- Back
- Medical & Critical Illnesses overview
- SunHealth Medical Care
- SunHealth Medical Essential
- SunHealth Medical Premier
- Critical Medical Care Insurance Plan II
- SunHealth Cancer Shield
- SunHealth LovePromise
- SunHealth UltraCare and SunHealth MaxiCare
- SunHealth OmniCare
- Hospital Income Insurance Plan
- SunWell Advanced Care and SunWell Supreme Care
- SunWell Essential Care
- Accident & Disability
- Universal Life
- Group Insurance
-
MPF & ORSO
MPF & ORSO
- MPF & ORSO overview
-
MPF Scheme
- Back
- MPF Scheme overview
- Sun Life Rainbow MPF Scheme
- Sun Life MPF Master Trust
- Digitalizing your MPF journey
- MPF FAQs(For Sun Life Rainbow MPF Scheme only)
- Tax Deductible Voluntary Contributions (TVC)
- Personal Account
- Default Investment Strategy (DIS)
- Employee choice arrangement
- About the eMPF Platform
- Hotline & address
- ORSO Scheme
-
MPF fund prices & performance
- Back
- MPF fund prices & performance overview
- Sun Life Rainbow MPF Scheme price & performance
- Sun Life MPF Master Trust price & performance*
- Sun Life MPF Basic Scheme price & performance
- Sun Life MPF Comprehensive Scheme price & performance
- * Sun Life MPF Master Trust has been merged into Sun Life Rainbow MPF Scheme from 30 August 2023
- ORSO fund prices & performance
-
Invest
Invest
- Invest overview
- Investment-linked Assurance Scheme
-
Investment-linked Fund Prices & Performance
- Back
- Investment-linked Fund Prices & Performance overview
- SunFortune
- SunArchitect
- SunWish
- SunFuture II
- SunFuture
- SunWealth
- SunAchiever
- FORTUNE Builder
- Rainbow Graduate
- Rainbow Retirement
- Rainbow Wealth Master
- ANNUITY 100 Retirement Plan
- FORTUNE
- Rainbow Saver/Rainbow Investor
- Star Select Investment Plan
- Asset Management
-
About us
About us
- About us overview
- Who we are
- Newsroom
- Become an advisor
- Corporate responsibility
- Market Insights
- Become an employee
-
Tools & Resources
- Back
- Tools & Resources overview
- Digital insurance experience
- My Sun Life HK Client Digital Platforms
- MPF mobile app
- Retirement Calculator
- My Sun Life HK – Group Health app
- Education Budget Calculator
- Bright Solutions
- Cost estimator of treating major illnesses
- First Contribution Calculator
- Investment Risk Assessment
- Retirement Savings Calculator
- Expense Calculator
- Savings Planning Calculator
- Client support
-
Claims
Claims
- Contact us
- Chatbot “Sunny”- Terms & Conditions
Investment-linked Assurance Scheme
Types of Investment-linked Assurance Scheme:
SunFortune
Download Product Key Facts Statement and Product Brochure
Download Investment-Linked Fund Guide
View Investment-Linked Fund Prices and Performance
Download promotion leaflet
Please contact your Advisor for more ILAS details. Please refer to the respective offering document for details including definitions, full terms and conditions, and exclusions.
Investments involve risks and past performance is not indicative of future performance. Investment returns may rise as well as fall. Currency movements and market conditions may affect the value of your investments. You are advised to read the relevant offering documents and the corresponding prospectuses of the underlying funds for further details and risk factors prior to making any investing decisions.
Important Notes:
- The investment-linked assurance scheme (“ILAS policy”) is a life insurance policy issued by Sun Life Hong Kong Limited (“the Company”). Its benefit is linked to the performance of the underlying funds corresponding to the investment-linked funds you selected from time to time. It is not a bank savings product. Your investments are subject to the credit risks of the Company.
- The following investment-linked assurance schemes are closed for new policy applications and no longer marketed to the public in Hong Kong.
- The investment-linked assurance scheme (“ILAS policy”) is an life insurance policy issued by Sun Life Hong Kong Limited (“the Company”)., Its benefit is linked to the performance of the underlying funds corresponding to the investment-linked funds you selected from time to time. It is not a bank savings product. Your investments are subject to the credit risks of the Company.
- The following investment-linked assurance schemes are closed for new policy applications and no longer marketed to the public in Hong Kong.
- SunArchitect
- SunWish
- SunFuture
- SunFuture II
- SunWealth
- SunAchiever
- FORTUNE Builder
- Rainbow Graduate
- Rainbow Retirement
- Rainbow WealthMaster
- ANNUITY 100 Retirement Plan
- FORTUNE
- Rainbow Saver
- Rainbow Investor
- Star Select Investment Plan
- The premiums paid by you towards the ILAS policy , and any investments made by the Company in the underlying funds corresponding to the investment-linked funds you selected, will become and remain part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. The units of the investment-linked funds allocated to the policy are notional and are solely for the purpose of determining the policy value only.
- Your potential returns on investments are calculated by the Company based on the performance of the underlying funds/assets. Due to the various fees and charges levied on ILAS policy, the returns on your policy may be lower than the returns on the underlying funds.
- Early surrender or withdrawal of the policy/suspension of or reduction in premium may result in a significant loss of investment and principal as well as bonuses awarded. Poor performance of underlying funds/assets may further magnify your investment losses, while all fees and charges are still deductible.
- Although ILAS policy is a life insurance policy, because your death benefit is linked to the performance of the underlying fund corresponding to the investment-linked funds you selected from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may be significantly less than your contribution paid and may not be sufficient for your individual needs.
- The investment-linked funds available under the scheme can have very different features and risk profiles. Some may be of high risk.
- The underlying fund of certain Investment-linked Funds is classified as derivative fund, and its net derivative exposure may be more than 50% but up to 100% or more than 100% of the underlying fund’s net asset value, thus it is subject to higher volatility as well as higher risks. You should exercise caution in relation to this type of Investment-linked Fund. This type of Investment-linked Fund is only suitable for the clients who understand complicated structure of derivative product and associated risks, and you may incur significant loss of principal if investing in this type of Investment-linked Fund. Kindly complete “Risk Profile Questionnaire form” for the application of Investment-linked Fund switching and/or contribution allocation.
- Underlying funds available for selection are the funds listed in the Investment-Linked Fund Guide. These may include funds authorized by the SFC pursuant to the Code on Unit Trusts and Mutual Funds (‘UT Code’), but may also include other portfolios internally managed by the Company on a discretionary basis not authorized by the SFC under the UT Code. You should read the relevant offering documents of the underlying funds prior to making any investment decision. The offering documents are available from the Company upon request.
- You should not purchase this product unless you understand it and its suitability for your needs has been explained to you. The final decision is yours. You should read the offering documents of ILAS policy and the underlying funds, which are available from the Company upon request, for details prior to making any investment decision.
- The Investment-Linked Fund designated with “(Dist)” in its name (the “Investment-Linked Fund (Dist)”) is an investment-linked fund that aims to distribute cash dividend on a regular basis. If you choose to invest in the Investment-Linked Fund (Dist), you will receive cash dividend if the Company receives such dividend from the underlying fund of the Investment-Linked Fund (Dist). Please note:
- There is no guarantee of the underlying fund of an Investment-Linked Fund (Dist) will distribute cash dividend, distribute fixed amount of cash dividend or distribute cash dividend at a periodic frequency. The amount of cash dividend paid is in no way an indication, a forecast or a projection of cash dividend to be paid in the future.
- An underlying fund of an Investment-Linked Fund (Dist) may at its discretion, according to its dividend policy, pay cash dividend out of investment income, capital gains or capital of the underlying fund. Payment of cash dividend out of capital amounts to a return or withdrawal of part of the original investment or from any captain gains attributable to that original investment. An underlying fund may pay cash dividend effective out of capital (i.e. paying dividends out of gross income while charging / paying all or part of the underlying fund’s fees and expenses to / out of the capital of the underlying fund, resulting in an increase in distributable income for payment of cash dividends) at its discretion.
- Any distributions involving payment of cash dividends out of capital / effectively out of capital may result in an immediate decrease in the net asset value per unit of the underlying fund after the dividend record date of the underlying fund, and may result in an immediate reduction of the unit price of the Investment-Linked Fund (Dist).
- In comparison to Investment-Linked Fund that do not distribute dividends, Investment-Linked Fund (Dist) pay out cash dividend and hence, may reduce the account value of the ILAS policy and it may (i) lead to the reduction of loyalty bonus, (ii) reduce the death benefit payable, and (iii) lead to the policy termination when the account value is insufficient to cover the relevant policy charges.
- You should not select the Investment-Linked Funds (Dist) unless you understand them and your financial advisor has explained to you how they are suitable to you.
- Investment involves risks and past performance is not indicative of future performance. Each investment-linked fund is subject to market value fluctuations and to the risks inherent in all investments. The price of notional units of or the income from any investment-linked fund may go down as well as up. You should not rely on this material alone. You should read the offering documents of ILAS policy carefully including Product Key Facts Statement and Principal Brochure (which consists of the Product Brochure and the Investment-Linked Fund Guide)for further details including the risk factors.
- More importantly, you should be aware of the following regarding your death benefit and the cost of insurance (“insurance charges”) applicable to FORTUNE Builder, FORTUNE, Rainbow Saver and SunArchitect:
- Part of the fees and charges you pay (both initial and ongoing) that will be deducted from the value of your ILAS policy will be used to cover the insurance charges for the life coverage and any additional coverage you may choose.
- The insurance charges will reduce the amount that may be applied towards investment in the underlying funds selected.
- The insurance charges may increase significantly during the term of your ILAS policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
- If the value of your ILAS policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, your ILAS policy may be terminated early and you could lose all your premiums paid and benefits.
- You should consult your intermediary for details, such as how the charges may increase and could impact the value of your ILAS policy.
- Emerging markets may involve a higher degree of risk than in developed markets and are usually more sensitive to price movements. Prices of the underlying funds may have higher volatility due to investment in emerging markets, financial derivatives instruments or structured instruments, and may involve a greater degree of risk than the conventional securities. You should read the relevant offering document and the corresponding prospectuses of the underlying funds for further details and risk factors prior to making any investment decision.
- This website is intended for Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong.
[Offer] Leave your contact and get a chance for HK$100 voucher!*
-
*Terms and conditions apply. Click here to learn more.
WHAT WOULD YOU LIKE TO DO TODAY?
Advise me on:
CONTACT US
At Sun Life Hong Kong, we aim to provide excellent customer service at all times.
Customer Service Hotline
(852) 2103 8928
