BRIGHT UL Wealth-Builder

Benefit term: Whole lifePublic source · Checked: 12 Oct 2026

Recorded features: Initial premium with optional subsequent premiums / Bonus crediting interest from policy year 11, subject to conditions / Cash withdrawals are subject to charges and limitsPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Minimum premium & basis: USD 50,000 / Single premium / Minimum initial premium; optional later premiums.Public source · Checked: 12 Oct 2026

Initial premium with optional subsequent premiumsPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Full surrender or withdrawals above the free withdrawal amount during the first ten policy years incur surrender charges. Withdrawals reduce account value and benefits; early surrender may return substantially less than premiums paid.Public source · Checked: 13 Oct 2026

The insurer must receive your signed written cancellation request within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded only if no policy payment has been made before the request.Public source · Checked: 13 Oct 2026

Insurer claims guide

Policy servicing from abroad: if the My Sun Life HK app is unavailable overseas or in mainland China, view policy details via its web version.Public source · Checked: 13 Oct 2026

The page does not confirm that every policy change is available from abroad.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026