SunGuardian (Care Version)

Last checked 12 Oct 2026

At a glance

Insurer: Sun Life Hong Kong Limited
Product category: Whole life
Policy currencies: HKD / USD
Premium payment terms: 6 years / 12 years / 20 years / 25 years
Issue ages & basis: 40 years – 74 years / Age basis: Not confirmed / 6-year premium payment term. / 40 years – 68 years / Age basis: Not confirmed / 12-year premium payment term. / 40 years – 60 years / Age basis: Not confirmed / 20-year premium payment term. / 40 years – 55 years / Age basis: Not confirmed / 25-year premium payment term.

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	Whole life Source 3
Policy currencies	HKD / USD Source 3
Premium payment terms	6 years 12 years 20 years 25 years Source 3
Benefit term	Whole life Source 3
Issue ages & basis	40 years – 74 years / Age basis: Not confirmed / 6-year premium payment term. 40 years – 68 years / Age basis: Not confirmed / 12-year premium payment term. 40 years – 60 years / Age basis: Not confirmed / 20-year premium payment term. 40 years – 55 years / Age basis: Not confirmed / 25-year premium payment term. Source 3
Recorded features	Participating whole-life protection Terminal illness accelerated death benefit Severe dementia accelerated death benefit 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.