{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-sun-life-hong-kong-limited-whole-life","kind":"insurer","type":"whole-life"},"summary":{"en":"This page compares 7 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 7 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 7 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","keyFeatures","status"],"products":[{"slug":"sun-life-generations-ii","names":{"en":"Generations II","zh-hant":"卓裕人壽系列 II","zh-hans":"卓裕人寿系列 II"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-generations-ii/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-generations-ii/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-generations-ii/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"display":{"en":["USD"],"zh-hant":["USD"],"zh-hans":["USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"display":{"en":["Single premium","5 years","10 years"],"zh-hant":["整付保費","5 年","10 年"],"zh-hans":["整付保费","5 年","10 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":75,"unit":"years"},"basis":null,"notes":{"en":"Single premium.","zh-hant":"躉繳保費。","zh-hans":"趸缴保费。"}},{"min":{"value":15,"unit":"days"},"max":{"value":70,"unit":"years"},"basis":null,"notes":{"en":"5-year premium payment term.","zh-hant":"5年繳費年期。","zh-hans":"5年缴费期限。"}},{"min":{"value":15,"unit":"days"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"10-year premium payment term.","zh-hant":"10年繳費年期。","zh-hans":"10年缴费期限。"}}],"display":{"en":["15 days to 75 years / Age basis: Not confirmed / Single premium.","15 days to 70 years / Age basis: Not confirmed / 5-year premium payment term.","15 days to 65 years / Age basis: Not confirmed / 10-year premium payment term."],"zh-hant":["出生15日至75歲 / 年齡基準: 未確認 / 躉繳保費。","出生15日至70歲 / 年齡基準: 未確認 / 5年繳費年期。","出生15日至65歲 / 年齡基準: 未確認 / 10年繳費年期。"],"zh-hans":["出生15日至75岁 / 年龄基准: 未确认 / 趸缴保费。","出生15日至70岁 / 年龄基准: 未确认 / 5年缴费期限。","出生15日至65岁 / 年龄基准: 未确认 / 10年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Three plan options: 50, 70 and 100","zh-hant":"三個計劃選項：50、70及100","zh-hans":"三个计划选项：50、70及100"},{"en":"Guaranteed cash value and non-guaranteed terminal bonus","zh-hant":"保證現金價值及非保證終期紅利","zh-hans":"保证现金价值及非保证终期红利"},{"en":"Benefit recipient designation for mental incapacity","zh-hant":"精神上無行為能力時可指定權益收款人","zh-hans":"精神上无行为能力时可指定权益收款人"}],"display":{"en":["Three plan options: 50, 70 and 100","Guaranteed cash value and non-guaranteed terminal bonus","Benefit recipient designation for mental incapacity"],"zh-hant":["三個計劃選項：50、70及100","保證現金價值及非保證終期紅利","精神上無行為能力時可指定權益收款人"],"zh-hans":["三个计划选项：50、70及100","保证现金价值及非保证终期红利","精神上无行为能力时可指定权益收款人"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/generations-II-video/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-II_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[{"path":"fulfillment-ratios/sun-life/generations-ii-5cd7ae41d6","observations":[{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2024,"cohortAsPublished":"Policy Year 1 (policies effective in 2024)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2023,"cohortAsPublished":"Policy Year 2 (policies effective in 2023)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2022,"cohortAsPublished":"Policy Year 3 (policies effective in 2022)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":115,"valueAsPublished":"115%","notApplicable":false,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2021,"cohortAsPublished":"Policy Year 4 (policies effective in 2021)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":115,"valueAsPublished":"115%","notApplicable":false,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2020,"cohortAsPublished":"Policy Year 5 (policies effective in 2020)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2019,"cohortAsPublished":"Policy Year 6 (policies effective in 2019)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2018,"cohortAsPublished":"Policy Year 7 (policies effective in 2018)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2017,"cohortAsPublished":"Policy Year 8 (policies effective in 2017)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2016,"cohortAsPublished":"Policy Year 9 (policies effective in 2016)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2015,"cohortAsPublished":"Policy Year 10 (policies effective in 2015)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":null,"cohortAsPublished":"Policy Year 10+ (policies effective in 2010 - 2014)","reportingYear":2025,"component":"reversionary-bonus","labelAsPublished":"Reversionary Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 24","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2024,"cohortAsPublished":"Policy Year 1 (policies effective in 2024)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2023,"cohortAsPublished":"Policy Year 2 (policies effective in 2023)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2022,"cohortAsPublished":"Policy Year 3 (policies effective in 2022)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2021,"cohortAsPublished":"Policy Year 4 (policies effective in 2021)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2020,"cohortAsPublished":"Policy Year 5 (policies effective in 2020)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2019,"cohortAsPublished":"Policy Year 6 (policies effective in 2019)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2018,"cohortAsPublished":"Policy Year 7 (policies effective in 2018)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2017,"cohortAsPublished":"Policy Year 8 (policies effective in 2017)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2016,"cohortAsPublished":"Policy Year 9 (policies effective in 2016)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2015,"cohortAsPublished":"Policy Year 10 (policies effective in 2015)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"Generations II","zh-hant":null},"productSlug":null,"currency":"All","issueYear":null,"cohortAsPublished":"Policy Year 10+ (policies effective in 2010 - 2014)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 25","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}}],"charts":[]}]},{"slug":"sun-life-generations-iii","names":{"en":"Generations Life Insurance Plan III","zh-hant":"卓裕人壽保險計劃系列 III","zh-hans":"卓裕人寿保险计划系列 III"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-generations-iii/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-generations-iii/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-generations-iii/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"display":{"en":["USD"],"zh-hant":["USD"],"zh-hans":["USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"display":{"en":["Single premium","5 years","10 years"],"zh-hant":["整付保費","5 年","10 年"],"zh-hans":["整付保费","5 年","10 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":75,"unit":"years"},"basis":null,"notes":{"en":"Single premium.","zh-hant":"躉繳保費。","zh-hans":"趸缴保费。"}},{"min":{"value":15,"unit":"days"},"max":{"value":70,"unit":"years"},"basis":null,"notes":{"en":"5-year premium payment term.","zh-hant":"5年繳費年期。","zh-hans":"5年缴费期限。"}},{"min":{"value":15,"unit":"days"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"10-year premium payment term.","zh-hant":"10年繳費年期。","zh-hans":"10年缴费期限。"}}],"display":{"en":["15 days to 75 years / Age basis: Not confirmed / Single premium.","15 days to 70 years / Age basis: Not confirmed / 5-year premium payment term.","15 days to 65 years / Age basis: Not confirmed / 10-year premium payment term."],"zh-hant":["出生15日至75歲 / 年齡基準: 未確認 / 躉繳保費。","出生15日至70歲 / 年齡基準: 未確認 / 5年繳費年期。","出生15日至65歲 / 年齡基準: 未確認 / 10年繳費年期。"],"zh-hans":["出生15日至75岁 / 年龄基准: 未确认 / 趸缴保费。","出生15日至70岁 / 年龄基准: 未确认 / 5年缴费期限。","出生15日至65岁 / 年龄基准: 未确认 / 10年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Three plan options: 50, 70 and 100","zh-hant":"三個計劃選項：50、70及100","zh-hans":"三个计划选项：50、70及100"},{"en":"Guaranteed cash value and non-guaranteed terminal bonus","zh-hant":"保證現金價值及非保證終期紅利","zh-hans":"保证现金价值及非保证终期红利"},{"en":"Benefit recipient designation for mental incapacity","zh-hant":"精神上無行為能力時可指定權益收款人","zh-hans":"精神上无行为能力时可指定权益收款人"}],"display":{"en":["Three plan options: 50, 70 and 100","Guaranteed cash value and non-guaranteed terminal bonus","Benefit recipient designation for mental incapacity"],"zh-hant":["三個計劃選項：50、70及100","保證現金價值及非保證終期紅利","精神上無行為能力時可指定權益收款人"],"zh-hans":["三个计划选项：50、70及100","保证现金价值及非保证终期红利","精神上无行为能力时可指定权益收款人"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/generations-III-video/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Generations-III_PB_EN.pdf","page":14,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-life-brilliance","names":{"en":"LIFE Brilliance","zh-hant":"生命雋富保","zh-hans":"生命隽富保"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-life-brilliance/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-life-brilliance/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-life-brilliance/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD","CNY"],"display":{"en":["HKD / USD / CNY"],"zh-hant":["HKD / USD / CNY"],"zh-hans":["HKD / USD / CNY"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null},{"kind":"years","value":15,"notes":null},{"kind":"years","value":20,"notes":null}],"display":{"en":["5 years","10 years","15 years","20 years"],"zh-hant":["5 年","10 年","15 年","20 年"],"zh-hans":["5 年","10 年","15 年","20 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":null},"display":{"en":["To age 100"],"zh-hant":["至年齡 100"],"zh-hans":["至年龄 100"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":0,"unit":"years"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"5-year premium payment term.","zh-hant":"5年繳費年期。","zh-hans":"5年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":60,"unit":"years"},"basis":null,"notes":{"en":"10-year premium payment term.","zh-hant":"10年繳費年期。","zh-hans":"10年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":55,"unit":"years"},"basis":null,"notes":{"en":"15-year premium payment term.","zh-hant":"15年繳費年期。","zh-hans":"15年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":50,"unit":"years"},"basis":null,"notes":{"en":"20-year premium payment term.","zh-hant":"20年繳費年期。","zh-hans":"20年缴费期限。"}}],"display":{"en":["0 years to 65 years / Age basis: Not confirmed / 5-year premium payment term.","0 years to 60 years / Age basis: Not confirmed / 10-year premium payment term.","0 years to 55 years / Age basis: Not confirmed / 15-year premium payment term.","0 years to 50 years / Age basis: Not confirmed / 20-year premium payment term."],"zh-hant":["0歲至65歲 / 年齡基準: 未確認 / 5年繳費年期。","0歲至60歲 / 年齡基準: 未確認 / 10年繳費年期。","0歲至55歲 / 年齡基準: 未確認 / 15年繳費年期。","0歲至50歲 / 年齡基準: 未確認 / 20年繳費年期。"],"zh-hans":["0岁至65岁 / 年龄基准: 未确认 / 5年缴费期限。","0岁至60岁 / 年龄基准: 未确认 / 10年缴费期限。","0岁至55岁 / 年龄基准: 未确认 / 15年缴费期限。","0岁至50岁 / 年龄基准: 未确认 / 20年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Life protection to age 100","zh-hant":"人壽保障至100歲","zh-hans":"人寿保障至100岁"},{"en":"Guaranteed cash value","zh-hant":"保證現金價值","zh-hans":"保证现金价值"},{"en":"Non-guaranteed reversionary bonus","zh-hant":"非保證復歸紅利","zh-hans":"非保证复归红利"}],"display":{"en":["Life protection to age 100","Guaranteed cash value","Non-guaranteed reversionary bonus"],"zh-hant":["人壽保障至100歲","保證現金價值","非保證復歸紅利"],"zh-hans":["人寿保障至100岁","保证现金价值","非保证复归红利"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/life-brilliance/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/LIFE-Brilliance_PB_EN.pdf","page":12,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[{"path":"fulfillment-ratios/sun-life/life-brilliance-655c977a84","observations":[{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2021,"cohortAsPublished":"Policy Year 1 (2021)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2020,"cohortAsPublished":"Policy Year 2 (2020)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2019,"cohortAsPublished":"Policy Year 3 (2019)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2018,"cohortAsPublished":"Policy Year 4 (2018)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2017,"cohortAsPublished":"Policy Year 5 (2017)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2016,"cohortAsPublished":"Policy Year 6 (2016)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2015,"cohortAsPublished":"Policy Year 7 (2015)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2014,"cohortAsPublished":"Policy Year 8 (2014)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2013,"cohortAsPublished":"Policy Year 9 (2013)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2012,"cohortAsPublished":"Policy Year 10 (2012)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}},{"insurerSlug":"sun-life","productNames":{"en":"LIFE Brilliance","zh-hant":null},"productSlug":null,"currency":"All","issueYear":null,"cohortAsPublished":"Policy Year 10+ (2010 and 2011)","reportingYear":2022,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":["Not applicable; see the document's Remarks for the published reasons."],"source":{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/Fulfillment%20Ratios%20for%20TB%20or%20SB_en.pdf","file":"sun-life/2022-Fulfillment Ratios for TB or SB_en.pdf","page":1,"locator":null,"reportingYear":2022,"publishedOn":null,"checkedOn":"2026-10-11"}}],"charts":[]}]},{"slug":"sun-life-multiguardian","names":{"en":"MultiGuardian","zh-hant":"永逸保障計劃","zh-hans":"永逸保障计划"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-multiguardian/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-multiguardian/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-multiguardian/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","HKD"],"display":{"en":["USD / HKD"],"zh-hant":["USD / HKD"],"zh-hans":["USD / HKD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null}],"display":{"en":["Single premium"],"zh-hant":["整付保費"],"zh-hans":["整付保费"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":40,"unit":"years"},"max":{"value":75,"unit":"years"},"basis":null,"notes":null}],"display":{"en":["40 years to 75 years / Age basis: Not confirmed"],"zh-hant":["40歲至75歲 / 年齡基準: 未確認"],"zh-hans":["40岁至75岁 / 年龄基准: 未确认"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Single premium for whole-life protection","zh-hant":"躉繳保費提供終身保障","zh-hans":"趸缴保费提供终身保障"},{"en":"Guaranteed cash value and potential terminal bonus","zh-hant":"保證現金價值及潛在終期紅利","zh-hans":"保证现金价值及潜在终期红利"},{"en":"Five death benefit settlement options","zh-hant":"五個身故權益支付選項","zh-hans":"五个身故权益支付选项"}],"display":{"en":["Single premium for whole-life protection","Guaranteed cash value and potential terminal bonus","Five death benefit settlement options"],"zh-hant":["躉繳保費提供終身保障","保證現金價值及潛在終期紅利","五個身故權益支付選項"],"zh-hans":["趸缴保费提供终身保障","保证现金价值及潜在终期红利","五个身故权益支付选项"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/multiguardian/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/multiguardian-pb-en.pdf","page":8,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[{"path":"fulfillment-ratios/sun-life/multiguardian-b0089241f6","observations":[{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2024,"cohortAsPublished":"Policy Year 1 (policies effective in 2024)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2023,"cohortAsPublished":"Policy Year 2 (policies effective in 2023)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2022,"cohortAsPublished":"Policy Year 3 (policies effective in 2022)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2021,"cohortAsPublished":"Policy Year 4 (policies effective in 2021)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2020,"cohortAsPublished":"Policy Year 5 (policies effective in 2020)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2019,"cohortAsPublished":"Policy Year 6 (policies effective in 2019)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2018,"cohortAsPublished":"Policy Year 7 (policies effective in 2018)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2017,"cohortAsPublished":"Policy Year 8 (policies effective in 2017)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2016,"cohortAsPublished":"Policy Year 9 (policies effective in 2016)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2015,"cohortAsPublished":"Policy Year 10 (policies effective in 2015)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"MultiGuardian","zh-hant":null},"productSlug":null,"currency":"All","issueYear":null,"cohortAsPublished":"Policy Year 10+ (policies effective in 2010 - 2014)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 50","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}}],"charts":[]}]},{"slug":"sun-life-sunguardian","names":{"en":"SunGuardian","zh-hant":"永護保障計劃","zh-hans":"永护保障计划"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-sunguardian/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-sunguardian/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-sunguardian/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"display":{"en":["HKD / USD"],"zh-hant":["HKD / USD"],"zh-hans":["HKD / USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":6,"notes":null},{"kind":"years","value":12,"notes":null},{"kind":"years","value":20,"notes":null},{"kind":"years","value":25,"notes":null}],"display":{"en":["6 years","12 years","20 years","25 years"],"zh-hant":["6 年","12 年","20 年","25 年"],"zh-hans":["6 年","12 年","20 年","25 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":40,"unit":"years"},"max":{"value":74,"unit":"years"},"basis":null,"notes":{"en":"6-year premium payment term.","zh-hant":"6年繳費年期。","zh-hans":"6年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":68,"unit":"years"},"basis":null,"notes":{"en":"12-year premium payment term.","zh-hant":"12年繳費年期。","zh-hans":"12年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":60,"unit":"years"},"basis":null,"notes":{"en":"20-year premium payment term.","zh-hant":"20年繳費年期。","zh-hans":"20年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":55,"unit":"years"},"basis":null,"notes":{"en":"25-year premium payment term.","zh-hant":"25年繳費年期。","zh-hans":"25年缴费期限。"}}],"display":{"en":["40 years to 74 years / Age basis: Not confirmed / 6-year premium payment term.","40 years to 68 years / Age basis: Not confirmed / 12-year premium payment term.","40 years to 60 years / Age basis: Not confirmed / 20-year premium payment term.","40 years to 55 years / Age basis: Not confirmed / 25-year premium payment term."],"zh-hant":["40歲至74歲 / 年齡基準: 未確認 / 6年繳費年期。","40歲至68歲 / 年齡基準: 未確認 / 12年繳費年期。","40歲至60歲 / 年齡基準: 未確認 / 20年繳費年期。","40歲至55歲 / 年齡基準: 未確認 / 25年繳費年期。"],"zh-hans":["40岁至74岁 / 年龄基准: 未确认 / 6年缴费期限。","40岁至68岁 / 年龄基准: 未确认 / 12年缴费期限。","40岁至60岁 / 年龄基准: 未确认 / 20年缴费期限。","40岁至55岁 / 年龄基准: 未确认 / 25年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Participating whole-life protection","zh-hant":"分紅終身人壽保障","zh-hans":"分红终身人寿保障"},{"en":"Terminal illness accelerated death benefit","zh-hant":"末期疾病預支身故權益","zh-hans":"末期疾病预支身故权益"},{"en":"Guaranteed cash value and potential terminal bonus","zh-hant":"保證現金價值及潛在終期紅利","zh-hans":"保证现金价值及潜在终期红利"}],"display":{"en":["Participating whole-life protection","Terminal illness accelerated death benefit","Guaranteed cash value and potential terminal bonus"],"zh-hant":["分紅終身人壽保障","末期疾病預支身故權益","保證現金價值及潛在終期紅利"],"zh-hans":["分红终身人寿保障","末期疾病预支身故权益","保证现金价值及潜在终期红利"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/sunguardian/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-sunguardian-care","names":{"en":"SunGuardian (Care Version)","zh-hant":"永護保障計劃（守護版）","zh-hans":"永护保障计划（守护版）"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-sunguardian-care/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-sunguardian-care/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-sunguardian-care/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"display":{"en":["HKD / USD"],"zh-hant":["HKD / USD"],"zh-hans":["HKD / USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":6,"notes":null},{"kind":"years","value":12,"notes":null},{"kind":"years","value":20,"notes":null},{"kind":"years","value":25,"notes":null}],"display":{"en":["6 years","12 years","20 years","25 years"],"zh-hant":["6 年","12 年","20 年","25 年"],"zh-hans":["6 年","12 年","20 年","25 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":40,"unit":"years"},"max":{"value":74,"unit":"years"},"basis":null,"notes":{"en":"6-year premium payment term.","zh-hant":"6年繳費年期。","zh-hans":"6年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":68,"unit":"years"},"basis":null,"notes":{"en":"12-year premium payment term.","zh-hant":"12年繳費年期。","zh-hans":"12年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":60,"unit":"years"},"basis":null,"notes":{"en":"20-year premium payment term.","zh-hant":"20年繳費年期。","zh-hans":"20年缴费期限。"}},{"min":{"value":40,"unit":"years"},"max":{"value":55,"unit":"years"},"basis":null,"notes":{"en":"25-year premium payment term.","zh-hant":"25年繳費年期。","zh-hans":"25年缴费期限。"}}],"display":{"en":["40 years to 74 years / Age basis: Not confirmed / 6-year premium payment term.","40 years to 68 years / Age basis: Not confirmed / 12-year premium payment term.","40 years to 60 years / Age basis: Not confirmed / 20-year premium payment term.","40 years to 55 years / Age basis: Not confirmed / 25-year premium payment term."],"zh-hant":["40歲至74歲 / 年齡基準: 未確認 / 6年繳費年期。","40歲至68歲 / 年齡基準: 未確認 / 12年繳費年期。","40歲至60歲 / 年齡基準: 未確認 / 20年繳費年期。","40歲至55歲 / 年齡基準: 未確認 / 25年繳費年期。"],"zh-hans":["40岁至74岁 / 年龄基准: 未确认 / 6年缴费期限。","40岁至68岁 / 年龄基准: 未确认 / 12年缴费期限。","40岁至60岁 / 年龄基准: 未确认 / 20年缴费期限。","40岁至55岁 / 年龄基准: 未确认 / 25年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Participating whole-life protection","zh-hant":"分紅終身人壽保障","zh-hans":"分红终身人寿保障"},{"en":"Terminal illness accelerated death benefit","zh-hant":"末期疾病預支身故權益","zh-hans":"末期疾病预支身故权益"},{"en":"Severe dementia accelerated death benefit","zh-hant":"嚴重認知障礙預支身故權益","zh-hans":"严重认知障碍预支身故权益"}],"display":{"en":["Participating whole-life protection","Terminal illness accelerated death benefit","Severe dementia accelerated death benefit"],"zh-hant":["分紅終身人壽保障","末期疾病預支身故權益","嚴重認知障礙預支身故權益"],"zh-hans":["分红终身人寿保障","末期疾病预支身故权益","严重认知障碍预支身故权益"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/sunguardian/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunGuardian_PB_EN.pdf","page":13,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-sunprotect","names":{"en":"SunProtect","zh-hant":"永延保障計劃","zh-hans":"永延保障计划"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-sunprotect/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-sunprotect/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-sunprotect/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"whole-life","display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"display":{"en":["HKD / USD"],"zh-hant":["HKD / USD"],"zh-hans":["HKD / USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":6,"notes":null},{"kind":"years","value":12,"notes":null},{"kind":"years","value":20,"notes":null},{"kind":"years","value":25,"notes":null}],"display":{"en":["6 years","12 years","20 years","25 years"],"zh-hant":["6 年","12 年","20 年","25 年"],"zh-hans":["6 年","12 年","20 年","25 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"6-year premium payment term.","zh-hant":"6年繳費年期。","zh-hans":"6年缴费期限。"}},{"min":{"value":15,"unit":"days"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"12-year premium payment term.","zh-hant":"12年繳費年期。","zh-hans":"12年缴费期限。"}},{"min":{"value":15,"unit":"days"},"max":{"value":60,"unit":"years"},"basis":null,"notes":{"en":"20-year premium payment term.","zh-hant":"20年繳費年期。","zh-hans":"20年缴费期限。"}},{"min":{"value":15,"unit":"days"},"max":{"value":55,"unit":"years"},"basis":null,"notes":{"en":"25-year premium payment term.","zh-hant":"25年繳費年期。","zh-hans":"25年缴费期限。"}}],"display":{"en":["15 days to 65 years / Age basis: Not confirmed / 6-year premium payment term.","15 days to 65 years / Age basis: Not confirmed / 12-year premium payment term.","15 days to 60 years / Age basis: Not confirmed / 20-year premium payment term.","15 days to 55 years / Age basis: Not confirmed / 25-year premium payment term."],"zh-hant":["出生15日至65歲 / 年齡基準: 未確認 / 6年繳費年期。","出生15日至65歲 / 年齡基準: 未確認 / 12年繳費年期。","出生15日至60歲 / 年齡基準: 未確認 / 20年繳費年期。","出生15日至55歲 / 年齡基準: 未確認 / 25年繳費年期。"],"zh-hans":["出生15日至65岁 / 年龄基准: 未确认 / 6年缴费期限。","出生15日至65岁 / 年龄基准: 未确认 / 12年缴费期限。","出生15日至60岁 / 年龄基准: 未确认 / 20年缴费期限。","出生15日至55岁 / 年龄基准: 未确认 / 25年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Additional death benefit in the first 20 policy years","zh-hant":"首20個保單年度額外身故權益","zh-hans":"首20个保单年度额外身故权益"},{"en":"Lifelong protection lock-in option requires extra premiums","zh-hant":"終身保障鎖定選項須繳額外保費","zh-hans":"终身保障锁定选项须缴额外保费"},{"en":"Guaranteed cash value","zh-hant":"保證現金價值","zh-hans":"保证现金价值"}],"display":{"en":["Additional death benefit in the first 20 policy years","Lifelong protection lock-in option requires extra premiums","Guaranteed cash value"],"zh-hant":["首20個保單年度額外身故權益","終身保障鎖定選項須繳額外保費","保證現金價值"],"zh-hans":["首20个保单年度额外身故权益","终身保障锁定选项须缴额外保费","保证现金价值"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/whole-life-insurance/sunprotect/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunProtect_PB_EN.pdf","page":20,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/life-insurance/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[{"path":"fulfillment-ratios/sun-life/sunprotect-ba05308bda","observations":[{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2024,"cohortAsPublished":"Policy Year 1 (policies effective in 2024)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2023,"cohortAsPublished":"Policy Year 2 (policies effective in 2023)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"NA","notApplicable":true,"notAvailable":false,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2022,"cohortAsPublished":"Policy Year 3 (policies effective in 2022)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2021,"cohortAsPublished":"Policy Year 4 (policies effective in 2021)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2020,"cohortAsPublished":"Policy Year 5 (policies effective in 2020)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2019,"cohortAsPublished":"Policy Year 6 (policies effective in 2019)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2018,"cohortAsPublished":"Policy Year 7 (policies effective in 2018)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2017,"cohortAsPublished":"Policy Year 8 (policies effective in 2017)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2016,"cohortAsPublished":"Policy Year 9 (policies effective in 2016)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":2015,"cohortAsPublished":"Policy Year 10 (policies effective in 2015)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}},{"insurerSlug":"sun-life","productNames":{"en":"SunProtect","zh-hant":null},"productSlug":null,"currency":"All","issueYear":null,"cohortAsPublished":"Policy Year 10+ (policies effective in 2010 - 2014)","reportingYear":2025,"component":"terminal-bonus","labelAsPublished":"Terminal Dividends/Bonuses or Special Bonuses","ratio":null,"valueAsPublished":"Not yet launched","notApplicable":false,"notAvailable":true,"unreadable":false,"footnotes":[],"source":{"url":"https://www.sunlife.com.hk/en/insurance/fulfillment-ratios-of-respective-products/","file":"sun-life/2025-index-reconciled-2026-10-12.html","page":null,"locator":"table 48","reportingYear":2025,"publishedOn":null,"checkedOn":"2026-10-12"}}],"charts":[]}]}]}