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Sun Life
SunProtect
Participating Whole Life Insurance • High Guaranteed Surrender Value + Double Death Benefit for the First 20 Years + ESG Investment
永延保障計劃是香港永明金融（Sun Life）的分紅終身壽險，主打高保證回本、首 20 年雙倍身故保障，並融入 ESG 可持續投資。保單結合保證現金價值與非保證終期紅利，支援保單逆按、部分退保及跨代傳承，保障屬性更強、保證回本更快。
- 分紅終身壽險
- 首20年雙倍保障
- 保證回本
- ESG 投資
- 保單逆按
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
Prioritising stability and protection, the participating whole life plan suits long-term policyholders.
Insured Age
15 days to age 75
Policy Term
up to age 128
Long-term Projected IRR
approx. 5% – 5.3%
Currency
USD / HKD
產品功能亮點
- 分紅式終身壽險（Whole Life）：保證現金價值 + 非保證終期紅利
- 保障期：終身，一般至 128 歲
- 繳費期：6 / 12 / 20 / 25 年（無躉繳）
- 20 年後身故賠償：100% 基本保額 + 終期紅利
- 支援保單逆按、部分退保、保單貸款
- 貨幣：美元、港幣（主流以美元計價）
- 投保年齡：15 天 – 75 歲
- 首 20 年身故賠償：200% 基本保額（保證）
- 可選終身守護鎖定：將首 20 年雙倍保障鎖定為終身 140%
- 可更換受保人、保單分拆，方便跨代傳承
Highlights
Product Benefits
Featuring double benefit cover and ESG investment, it delivers family security, steady cash value and intergenerational wealth transfer.
Double Death Benefit for the First 20 Years
Designed for your family liability phase: 200% Sum Assured guaranteed for the first 20 years. Post Year 20, payout comprises 100% Sum Assured plus non-guaranteed terminal dividends for solid protection.
Guaranteed Surrender Value & Premium Payment Flexibility
Available payment periods: 6,12,20,25 years (no single premium). 6-year plan hits guaranteed break-even at Year10; others break-even once premiums fully paid. After break-even, it acts as zero-net-cost whole life cover.
Lifetime Lock-in Feature
Innovative protection design. By paying a small additional premium, you may lock in the 200% double death benefit applicable for the first 20 years as a guaranteed lifetime 140% death benefit without further underwriting.
ESG Investing for Stable Returns
Investment strategy incorporates ESG factors. This participating whole life plan combines Guaranteed Cash Value and Terminal Dividend for lower volatility; projected long-term IRR is around 5%-5.3%.
Flexible Liquidity for Wealth Transfer
Flexible liquidity: supports policy reverse mortgage, partial surrender and policy loan. Unlimited change of insured and policy split options facilitate intergenerational wealth transfer.
Ideal Protection for Your Family Liability Phase
Tailored for middle-aged families supporting elderly parents and children, or with outstanding mortgage liabilities. It builds a robust safety net with exceptional cost-effectiveness during the 20 years of greatest life responsibilities.
Version Comparison
永明永延保障 VS 宏利優越終身保 VS 周大福匠心・飛越
三者同屬香港長期儲蓄 / 保障型保單，但定位各有側重。
| 比較項目 | 永明永延保障 | 宏利優越終身保 | 周大福匠心・飛越 |
|---|---|---|---|
| 產品定位 | 保證回本 + 強保障 | 穩健分紅 + 終身保障 | 高增長儲蓄 + 現金流 |
| 回本（保證） | 6 年繳 → 第 10 年（最快） | 5 年繳 → 約第 15 年 | 5 年繳 → 約第 10 年（演示） |
| 身故保障 | 首 20 年 200%（保證） | 終身 100% + 紅利 | 較弱（側重儲蓄） |
| 長期預期 IRR | 約 5% – 5.3% | 約 5% – 5.4% | 約 6.2% – 6.5% |
| 紅利結構 | 終期紅利（較穩） | 終期紅利（可鎖 50%） | 復歸 + 終期（高增長） |
| 適合人群 | 家庭保障 + 穩健儲蓄 | 保守 + 傳承 + 退休逆按 | 高增長 + 每年提領 |
Who It's For
Suitable and Unsuitable Client Profiles
Please assess whether this product is suitable for your financial planning and risk appetite.
Highly Suitable Clients
- Looking for lifelong life cover and sustainable long-term accumulation
- Heavy family financial obligations (mortgage and children’s education) with a need for high protection in the first 20 policy years.
- Prefer steady ESG-focused investment and do not pursue aggressive high returns.
- Planning retirement in Hong Kong and seeking policy reverse mortgage for steady monthly cash flow.
- Protection-focused with savings as a supplement, ideal for clients pursuing stable long-term financial planning.
Not Recommended Clients
- Require short-term capital liquidity with a policy holding period of less than 10 years.
- Only accept 100% guaranteed returns and cannot tolerate dividend fluctuations.
- Pursuing the highest returns and willing to withstand higher volatility
- Unable to withstand fluctuations in the RMB/USD exchange rate
- Possible surrender in the early stage, unable to bear the loss of surrender in the first 10 years