Stellar Multi-Currency Insurance Plan II

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

Recorded features: Six policy currencies with currency change, subject to approval / Guaranteed cash value and non-guaranteed bonuses / Change of insured option, subject to conditionsPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Premium payment terms: 3 years / 6 years / 12 years / 18 yearsPublic source · Checked: 12 Oct 2026

Minimum premium & basis: USD 1,000 / Annual / 18-year term: USD1,000/year; 3-year: USD8,000; 6-year: USD2,000; 12-year: USD1,500. Other currencies: see table.Public source · Checked: 12 Oct 2026

Guaranteed cash value and non-guaranteed bonusesPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Early termination may return substantially less than the 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 · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: Withdrawal – Traditional Policy form and Policy Value Payout Method form are published; surrender form is not listed here.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Submission channels: Send completed policy service forms to the Client Service Centre; initial every page of multi-page forms.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Steps: Traditional withdrawal: specify all / partial policy value in Part 1 and the payment method in Part 2; sign the form.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Overseas claims / servicing: Overseas wire transfer requires a Telegraphic Transfer Instruction form; owner pays the bank charges.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Payment methods: FPS / local transfer to the exact-name owner account, or cheque; a new bank account requires bank proof.Public source · Checked: 13 Oct 2026

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