Saving InsuraNce
SunJoy Global Insurance Plan II Wealth Protection & Long-Term Growth
Guaranteed Cash Value & Bonuses
Build your wealth steadily with guaranteed cash value, which grows from the start of your policy and continues until the 120th policy year, after which it remains stable. In addition, the plan includes non-guaranteed bonuses: the Reversionary Bonus and Terminal Bonus. These bonuses can vary depending on investment performance but offer the potential for attractive long-term growth. Once declared, the cash value of the Reversionary Bonus equals its face value.
Flexible Currency Options
Freely change your policy currency 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)
Change Your Policy Currency Anytime
Easily switch your policy’s currency among six options: USD, CAD, GBP, RMB, AUD, or HKD. This flexibility is ideal for those planning overseas education, retirement abroad, or other international financial goals.
- You can request a currency change once per policy year, starting from the third policy anniversary.
- All requests are subject to approval and conditions outlined in your policy
Premium Relief Features
Ease your financial burdens during challenging periods by deferring or waiving future premiums if mishap happens
Manage Your Premiums During Challenging Times
Our plan offers options to ease your financial burden if unexpected circumstances arise:
Premium Holiday
From the second policy anniversary, you can suspend premium payments for up to two years (one year at a time), provided there are no outstanding loans.
Your policy remains in force, and your coverage continues during the holiday.
Waiver of Premium
If the insured (also the policy owner) suffers Total Permanent Disability due to injury or illness before age 70, we will waive future premiums to keep your plan active.
Payor Benefit
If the policy owner (not the insured) passes away or becomes permanently disabled before age 70, we will waive future premiums to ensure your coverage continues uninterrupted.
Additonal benefits and Incapacity Support
Appoint a family member to file a claim for you in case you are unable to do so
Family Member Claims on Your Behalf
In case you become mentally incapacitated or unable to act, you can appoint a family member as your Incapacity Benefit Recipient. They can file claims on your behalf in situations like coma, severe head trauma, or paralysis, ensuring swift support during emergencies.
Access Your Funds Overseas
Easily transfer to overseas bank accounts with the Overseas Transfer Service
Overseas Transfer Service
Easily transfer your policy withdrawals to your overseas bank account. We waive bank charges for one remittance per year, adding convenience to your international financial management.
Extra Protection in Case of Accidents
Protecting you against accident with a boost in benefit amount with Accidental Caring Plus Benefit
Accidental Caring Plus Benefit
In the event of a life-changing accident, this innovative benefit pays up to 1,000% of the plan’s Notional Amount (equivalent to total annual premiums). It provides additional financial support if the insured suffers Loss of Independent Existence due to an accident, which means being unable to perform at least three Activities of Daily Living with or without aid, for at least six months.
Lock-in Your Policy Values
Enjoy greater certainty over potential gains
Enhance Certainty Over Your Gains
You can transfer a portion of your policy’s value into the Value Lock-in Account and earn a non-guaranteed interest rate we determine from time to time. This feature helps you secure some of your potential gains with greater certainty.
- You can choose to lock-in 10% to 50% of your policy value each time you exercise this option.
For more details or to customize your plan, please contact our advisers. We’re here to help you build a secure and prosperous future.
