RoyalFortune

Last checked 12 Oct 2026

At a glance

Insurer: Sun Life Hong Kong Limited
Product category: Participating savings
Policy currencies: USD
Premium payment terms: Single premium
Issue ages & basis: 0 years – 80 years / Age basis: Not confirmed
Minimum premium & basis: USD 20,000 / Single premium / Temporary notional minimum through 31 Dec 2026, subject to conditions. Standard brochure minimum: USD125,000.

Research facts, not a quote or recommendation. Terms and availability may change. Confirm the policy contract with a licensed broker.

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part: The guaranteed cash value is in the contract. It is usually low in the early years and is the only part you can rely on.
Non-guaranteed part: Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early: Surrendering in the first years usually returns less than you paid. Find the break-even year in your own illustration first.
Currency: Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Field	Recorded information
Product category	Participating savings Source 2
Policy currencies	USD Source 3
Premium payment terms	Single premium Source 3
Benefit term	To age 120 / Earlier of age 120 of current insured (younger insured for joint life) and 120 years from policy issue. Source 3
Issue ages & basis	0 years – 80 years / Age basis: Not confirmed Source 3
Minimum premium & basis	USD 20,000 / Single premium / Temporary notional minimum through 31 Dec 2026, subject to conditions. Standard brochure minimum: USD125,000. Source 2 Source 3
Recorded features	Guaranteed cash value and potential bonuses Value lock-in option, subject to conditions Flexible policy withdrawals, subject to conditions Source 2 Source 3
Sales status	On sale (at source date) Source 1

Names in other languages

Verified names follow insurer labels. Unconfirmed translations use English for navigation.