SunBrilliance Whole Life is a life insurance policy that gives you lifetime protection with 3 options for Guaranteed Death Benefit and flexibility in premium payment terms. With a high Guaranteed Cash Value, SunBrilliance Whole Life provides access to liquidity, combined with growth potential through Annual Additions and a Final Addition for additional peace of mind.

Key benefits

Lifetime coverage

with 3 options for Guaranteed Death Benefit

Stronger legacy

through Death Benefit and cash value growth

High guaranteed cash value

allowing accumulation over time

Legacy Plus

an option to receive Death Benefit payout in a single lump sum or in yearly instalments for up to 10 years

Extension of coverage

added flexibility through the extension of Sun MultiX expiry age, from age 85 to life, offered by NextGen.


in premium payment terms from single pay to multi-pay

Additional details

Minimum coverage
100 and 70: Sum Assured of $1,000,000 | NextGen: Sum Assured of $400,000 and Sun MultiX of $1,000,000

US dollar

Benefit term
Whole life

Premium structure
Premium is level and guaranteed

Premium payment term
Age 0 - 75 : Single Pay | Age 0 - 70 : Multi Pay 5 years | Age 0 - 65 : Multi Pay 10 years

Every purchase of SunBrilliance Whole Life policy triggers us to donate 0.5% from the premiums received with a cap of US$20,000 per policy towards philanthropy and charity programmes in Singapore.

Learn more


A Whole Life insurance is a way to protect your loved ones financially when you pass away.  The payouts provide your beneficiaries the financial resource at their discretion. You can choose from different types of life insurance plans in Singapore, depending on your needs and goals.

If you are worrying whether your loved ones are financially secured when you are not around, you may consider a Whole Life insurance plan that can protect them from financial hardships and help them achieve their dreams. A life insurance policy is a way of creating your lasting legacy of your values and vision.

Peace of mind

We're looking for new and innovative ways to do more, so that we can provide long-term value to our Clients.

Confidence and peace of mind

Sun Life is backed by a strong AA rating from S&P – the highest rating among life insurance companies in Singapore.

Wealth beyond generations

Honouring our promises and delivering on our commitments for more than 150 years.

Our commitment

We're committed to helping our Clients achieve lifetime financial security and live healthier, brighter lives.

Related documents

Download brochure (English)

Download brochure (Simplified Chinese)


SunBrilliance Whole Life is an adjustable life insurance policy which allows the company to change the policy premium or other policy values to reflect certain changes in experience. Please refer to Adjustable Contracts (Criteria for Changes) Policy.

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Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This webpage is for general information only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This webpage is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions.

The policy mentioned in this webpage are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association, Singapore or SDIC websites ( or (

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at June 2024.

This webpage is meant for general information only. No part of the information herein shall be modified, extracted, reproduced or shared with any person or entity without the prior written consent of Sun Life.

No distribution arrangement, contract of insurance or any other legal relations is created or can be construed to be created involving Sun Life and you, solely due to the information herein and without a proper agreement being entered into in writing and duly executed.

While Sun Life believes that the information set out here is correct and accurate as at the date on which it is issued, Sun Life does not guarantee the correctness, accuracy or completeness of its contents. Further, Sun Life does not assume any responsibility, and has no obligation, to update this webpage or inform recipients of its updated contents in due course, if any of its contents changes. Sun Life is not liable for any loss, damages or expenses that may be incurred from reliance upon the contents herein.

No part of this webpage shall be construed as advice from Sun Life or an indication of whether any product referred to herein is suitable for any particular individual or entity. This webpage does not constitute solicitation or an offer to purchase any product mentioned herein. The suitability of a product for any person needs to be considered bearing in mind the relevant person’s own circumstances and needs, and as such, qualified professional advisors, such as lawyers, accountants, tax and financial advisors, should be engaged by the relevant person as (s)he deems fit before (s)he decides whether or not to purchase any product. Except as expressly set out, Sun Life does not make any representations as to the selling or other restrictions that apply to life insurance products that it offers. Distributors have the sole responsibility to acquaint themselves at all times with, and comply fully with, relevant laws, regulations and other requirements, as applicable, in relation to distributing insurance products.

Sun Life Assurance Company of Canada is an insurance company federally incorporated in Canada, with OSFI Institution Code F380 and its registered office at 1 York Street, Toronto, Ontario, Canada M5J 0B6. It is regulated by Office of the Superintendent of Financial Institutions, Canada. Sun Life Assurance Company of Canada Singapore Branch (UEN T19FC0132B) is registered with the Accounting and Corporate Regulatory Authority of Singapore as a foreign company, with its registered office at One Raffles Quay, #10-03 North Tower, Singapore 048583. It is licensed and regulated by the Monetary Authority of Singapore. Where Sun Life Assurance Company of Canada Singapore Branch is referred to as “Sun Life Singapore”, this is strictly for marketing and branding purposes only, and no legal significance is expressed or implied. Sun Life Assurance Company of Canada is a member of the Sun Life group of companies. The Sun Life group of companies operates under the “Sun Life” name. Sun Life Financial Inc., the publicly traded holding company for the Sun Life group of companies, is not a product offering company and is not the guarantor of the obligations of its subsidiaries.