SunJoy Global is a participating insurance plan with short 2-Pay or 5-Pay premium payment terms. You can easily take out this plan without the need to provide any medical information, up to a certain Notional Amount (which is equivalent to total annual premiums), subject to our then current administrative rules.
Highlights:
Long-term savings & growth potential
Enjoy guaranteed cash value and non-guaranteed bonuses.
Currency change¹ between⁴ policy currencies
Freely change your policy currency and accumulate wealth in US Dollar (USD), Canadian Dollar (CAD), British Pound Sterling (GBP), or Renminbi (RMB) .
Premium relief features
Ease your financial burdens during challenging periods by deferring or waiving future premiums if mishap happens.
Mental incapacity safety net²
Appoint a family member to file a claim for you in case you are unable to.
Access your withdrawals overseas
Easily transfer to overseas bank accounts with the Overseas Transfer Service3.
Extra support in case of an accident
Protecting you against major accident with a boost in benefit amount.
Lock-in your policy values⁴
Enjoy greater certainty over potential gains.
Legacy planning features
Flexible ways for legacy planning⁵
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.
Six Death Benefit Settlement Options
Choose the best option for each beneficiary.
Protection for your policy
Designate a Contingent Policy Owner6 to ensure your policy endures
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.
