SUN LIFE GENERATION II INSURANCE

Sharing the fruition of your years of hard work is a beautiful present to your loved one. To preserve your precious present against any unforeseen circumstances, a smart planning helps you not only paving the way to smooth transition of both your individual assets and businesses to your next generations, it grows your hard-earned money along the way. This is where Sun Life steps in - your trusted partner for life’s journey and achieving life’s dreams. Generations II offers you: • A true lifelong protection and an option for legacy planning that tailors your financial situation • A comprehensive business protection to mitigate financial impact of loss of key person(s) in your company during the unfortunate events to help in business continuity Remark: *The availability of the limited offer version of Generations II is subject to a quota limit (“Limited Offer”). For details, please contact your advisor for a sales illustration. Sun Life Hong Kong Limited (“Sun Life”) reserves the right to withdraw the Limited Offer without prior notice. The receipt of premium by Sun Life does not represent the acceptance of your application for the Limited Offer. If the application is declined, the amount of actual premium paid at the time of application will be refunded without any interest. 3

Guaranteed lifelong protection with flexibility Without limiting the protection period, Generations II offers you true lifelong protection while enjoying the financial freedom in your golden years. A choice of 3 plans – Generations II - 50, Generations II - 70 and Generations II - 100 offer you different levels of protection to help meet your evolving needs both now and in the future. There are also 3 types of premium payment terms: single pay, 5 years and 10 years, allow you to plan ahead with financial flexibility. In the unfortunate event that the insured, who is the person protected under the policy, passes away, Generations II will help passing on your prosperity to your next generations.

Reversionary Bonus Beginning from the 3rd policy anniversary, we will declare Reversionary Bonus (if any) at least once a year. Once declared, the face value of Reversionary Bonus will become guaranteed and will accumulate with your policy. Your wealth grows as your bonus grows. Its declared face value is payable upon the death of the insured while its declared cash value will be payable upon withdrawal of the accumulated Reversionary Bonus2, the payment of the Mental Incapacity Benefit, surrender or termination of your policy.

One-time Terminal Bonus The cash value of the one-time Terminal Bonus is payable upon payment of the Mental Incapacity Benefit (if applicable), surrender or termination; while its face value is payable upon Death Benefit. Starting from the designated policy anniversary (see below), the Terminal Bonus is adjusted at each subsequent declaration and may be increased or decreased according to the rules set by Sun Life from time to time.

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