SunGift Global Insurance Plan II

Last checked 12 Oct 2026

At a glance

Insurer

Sun Life Hong Kong Limited

Product category

Participating savings

Policy currencies

USD / CAD / GBP / CNY / AUD / HKD / EUR / SGD / AED / CHF

Premium payment terms

Premium payment terms (2)

Premium payment terms
2 years
5 years

Issue ages & basis

Issue ages & basis (2)

Issue ages & basis
Recorded information	Premium payment terms / Age basis
0 years to 80 years	2-year premium payment term. Age basis: Not confirmed
0 years to 75 years	5-year premium payment term. Age basis: Not confirmed

Minimum premium & basis

USD 3,000 / Annual / 5-pay: USD3,000; 2-pay: USD15,000 annually. Other currency minima are in the brochure.

Ten policy currencies with currency change from third anniversary, subject to approval
Policy split from third anniversary, subject to conditions
Guaranteed cash value and non-guaranteed bonuses

Ask a licensed broker about this product Compare with similar plans

Decision sheet

3 of 11 known · 8 not published

What it pays and when

Benefit term: Whole life / Life of current insured, or current younger insured for joint life.Public source · Checked: 12 Oct 2026

Recorded features: Ten policy currencies with currency change from third anniversary, subject to approval / Policy split from third anniversary, subject to conditions / Guaranteed cash value and non-guaranteed bonusesPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Benefit limits

not published

Premium and payment term

Premium payment terms: 2 years / 5 yearsPublic source · Checked: 12 Oct 2026

Minimum premium & basis: USD 3,000 / Annual / 5-pay: USD3,000; 2-pay: USD15,000 annually. Other currency minima are in the brochure.Public source · Checked: 12 Oct 2026

How premiums can change

not published

Guaranteed / non-guaranteed

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

Waiting periods

not published

Main exclusions

not published

Surrender / cancellation

not published

Cooling-off

not published

Riders

not published

Claims steps

not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

How the value of this kind of plan works

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.

Belongs to

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