Sunlife's Vision

Pass on lifelong income to your children and grandchildren. 

Guaranteed min 2.3% plus bonus.

 

Get a Quote for Sunlife's Vision Plan

Annual Premium(*)

US$10,000US$20,000US$30,000US$40,000US$50,000US$60,000US$70,000US$80,000US$90,000US$100,000US$110,000US$120,000US$130,000US$140,000US$150,000US$160,000US$170,000US$180,000US$190,000US$200,000US$210,000US$220,000US$230,000US$240,000US$250,000US$260,000US$270,000US$280,000US$290,000US$300,000US$310,000US$320,000US$330,000US$340,000US$350,000US$360,000US$370,000US$380,000US$390,000US$400,000US$410,000US$420,000US$430,000US$440,000US$450,000US$460,000US$470,000US$480,000US$490,000US$500,000 Invalid Input

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Cash Coupon Option(*)

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Key features for Vision

 (Vision is a USD denominated participating savings product.) 

Pass on Lifelong Income for your future generations

Minimum Guaranteed 2.3% annual return 

Inflation Protected with Growing Bonus 

 

Capital
Guaranteed

No Medical Underwriting Needed**

Why apply for
Sunlife's Vision?

Vision is a USD policy that pays monthly cash coupons from the 13th month for up to 120 years.

Minimum guranteed 2.3% plus bonus cash coupons. At the end of the 20th policy year, you get ~150% of the total premium paid!

Policy can be passed on to Future Generations

Can be passed on from you to your children to your grandchildren subject to a maximum overall policy term of 120 years.

NO limit in changing the insured. If the new insured is younger, the policy term can be extended until the new insured reaches age 120.

Wealth can be passed on to future generations, providing them with lifelong income!

Protect against inflation - Bonus coupons grow over time

On top of the minimum guaranteed 2.3% coupon, the bonus cash coupons will grow over time, protecting against inflation. For example, the expected cash coupons in Year 30 is around 3.8% p.a. and continues to grow after that.

No payment will be collected online. You will pay Sunlife directly after we process your application. 

Case Study : No medical underwriting requirements even with medical conditions

Ms. E is a patient of type II Diabetes Mellitus with a new-born daughter, Miss F. As Ms. E gets worried knowing that her daughter may also suffer from Diabetes Mellitus due to inheritance, that’s why she purchases Vision and get prepared for her, and possibly her daughter’s health issues.

Ms E buys Vision (2 years pay) with annual premium of USD 20,000

* For reference only, all figures shown in the graph above are rounded to the nearest whole number. The figures include non-guaranteed components. The figures shown assume that: (1) the current Reversionary Bonus and Terminal Bonus scales will continue indefinitely; (2) the Guaranteed Monthly Coupon and the Non-guaranteed Monthly Coupon (if any) will be paid to the client and will not be left with Sun Life; (3) there will be no loans/advances on the policy; (4) no withdrawals on the policy (except for the withdrawal of Monthly Coupon); (5) all premiums are paid in full when due. 

Policy illustration for Vision

2.3% p.a. guaranteed cash coupon from Year 2 for all years thereafter,

growing with bonus coupons to 3.8% p.a. in Year 30 and keeps growing for up to 120 years!

The policy term of Vision is up to age 120. The illustration below shows up to 30 Years.
Apply online to receive your customised illustration.

2-Year Premium Period - Illustration Summary for US$10,000 Annual Premium. 

Check out Vision's brochure here.

Note that an Insurance Levy paid in addition to the premium required under the Insurance Ordinance (Cap. 41), Insurance (Levy) Order and Insurance (Levy) Regulation will be charged. This rate is currently 0.085% of premium up to a maximum of HK$85 from 1 April 2020 to 31 March 2021 and 0.1% thereafter up to a maximum of HK$100.

Here are some common questions
about Sunlife's Vision

* Cash coupons grows from 2.3% in the 2nd year to 3.8% in the 30th year. 3.8% comprises 2.3% guaranteed cash coupon and 1.5% non-guaranteed cash coupon.   

** If guaranteed savings amount is less than US$2m. i.e. US$1m premium for a 2-Year Premium Term.

InsureDIY Limited is an insurance broker licenced by the Insurance Authority of Hong Kong and is authorised to distribute insurance in Hong Kong.