SunProtect

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

Recorded features: Additional death benefit in the first 20 policy years / Lifelong protection lock-in option requires extra premiums / Guaranteed cash valuePublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Premium payment terms: 6 years / 12 years / 20 years / 25 yearsPublic source · Checked: 12 Oct 2026

Lifelong protection lock-in option requires extra premiumsPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Guaranteed cash valuePublic 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 · Life / death

Life / death — Steps: Beneficiaries / claimants sign the claimant statement and each completes CRS; submit supporting documents.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Original death certificate, policy / loss declaration, deceased and beneficiary IDs, relationship evidence.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: In person or by mail to G/F MU Tower B, 18 Hung Luen Road, Hung Hom, Kowloon.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: Premium autopay account, FPS or cheque via advisor / mail.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: 7 working days to first pending notice / result after receipt; actual time varies and payment arrival is not specified.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