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Legacy planning is not exclusively for the affluent. It is a meaningful step for anyone who wishes to secure their family's future. With proper planning, you can ensure your loved ones receive the care they need during difficult moments while minimizing potential disputes arising from unclear estate distribution.

Some life insurance plans (e.g. savings and life insurance products with legacy planning features) could be one of the effective tools for legacy planning. It ensures your estate is passed on according to your wishes and provides timely financial assistance to your family, easing their burden when they need it most1.

Two Key Advantages of Using Life Insurance in Legacy Planning1:

1. Full control to ensure your wishes are honored

Life insurance allows policyholders to designate beneficiaries and specify the distribution proportions according to their wishes. When a claim arises, proceeds are paid directly to the beneficiaries, reducing reliance on lengthy or complex estate administration procedures.

2. Timely financial support to ease the transition

Life insurance proceeds are generally available to beneficiaries within a relatively short timeframe. This provides your family with essential liquidity to cover expenses such as funeral arrangements or daily living needs, ensuring they do not face cash flow difficulties during a challenging period.


Legacy is more than the transfer of wealth. It is the continuation of your life's work, wisdom and values. A comprehensive life insurance plan allows you to protect those you love and express your deepest care in a lasting way.

優惠

During promotion period, enjoy premium discount / premium rebate (collectively the "Offers")* for successful application of designated Life Insurance plans (the "Plans").

*The Offers and the Plans are subject to relevant terms and conditions.

For details of premium rebate offer, please click here.

For all
For details of premium discount offer for Generations Life Insurance Plan III, please click here;
For details of premium discount offer for RoyalFortune Savings Insurance Plan, please click here;
For details of premium discount offer for RetireFree Immediate Annuity Insurance & RetireFree Booster Rider Insurance, please click here.


Learn More about the Offers and the Plans

Source:

  1. 【財富傳承】運用人壽保險進行遺產規劃有咩好處？一文了解要點 sunlife.com.hk/zh-hant/life-moments/enjoying-retirement/estate-planning-with-life-insurance/

Updated on 2026-04-10

Dah Sing Bank, Limited ("Dah Sing Bank"), registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) ("Sun Life HK") and distributes the insurance products for Sun Life HK.

The life insurance products distributed by Dah Sing Bank are underwritten by Sun Life HK and are products of Sun Life HK but not Dah Sing Bank. Life insurance products are not bank deposits nor bank saving plans with free life insurance coverage.

This webpage contains general information only. In addition, the information above is for reference only and does not contain the full terms of the relevant products. It is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any insurance plans.

Customers should choose relevant insurance product according to their own or actual needs and their financial affordability. Customers should read, fully understand and accept the terms and conditions, policy coverage, policy exclusions, premium, key product risks, important notes, policy dividends (if applicable), investment policy (if applicable), etc. stated in the relevant documents and policy contract before applying for any life insurance plans. For more details of the product features including the risk disclosure, please refer to product brochure.

Please refer to a sample policy contract, which will be provided upon request by Sun Life HK, for details including definitions, full terms and conditions, and exclusions. Sun Life HK is solely responsible for all coverage and compensation, and reserves the right of final approval of the relevant insurance plan. Policyholders are subject to the credit risk of Sun Life HK. If policyholder discontinues and / or surrenders the life insurance plan in the early policy years, the amount of the benefits the policyholder will get back (if any) may be considerably less than the amount of the premium the policyholder has paid. The past, current, projected and / or potential benefits and / or returns (e.g. bonuses, non-guaranteed coupons, interests) are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns. If there is any conflict between the policy contract and this email, the policy contract shall prevail.

In respect of an eligible dispute (as defined in the Terms of Reference for Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Dah Sing Bank and the customer out of the selling process or processing of the related transaction, Dah Sing Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

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