Life insurance: Your lifetime protection to empower future generations

When it comes to protecting and providing for the people you love, it takes more than planning for the short term. To ensure that they will be taken care of beyond your lifetime with the legacy you have worked so hard to build, we understand what it takes to provide them with all the financial security they need.

Life insurance has now become one of the most popular components of any well-defined wealth planning strategy for Clients all over the world.

Future - S is Sun Life Singapore’s flagship life insurance, offering lifetime of coverage with 3 options for Guaranteed Death Benefit and flexibility in premium payment terms. With a high Guaranteed Cash Value of at least 85%^ of premium paid, Future - S provides access to liquidity, combined with growth potential through Annual Additions and a Final Addition for additional peace of mind.

^ Please refer to product brochure for details.

Key benefits

A guaranteed lifetime of coverage

A lifetime of protection allowing Clients to enjoy life to the fullest, worry-free.

Flexible premium options

Clients can choose the premium terms that best fit their needs.

High Guaranteed Cash Value of at least 85%^ of premium paid

Access to liquidity when needed.

Strengthen your legacy

Growth potential through Annual Additions, which increase the Death Benefit, and a Final Addition, payable at surrender or death.

Additional details

Minimum coverage
S100 and S70: Sum Assured of USD1,000,000 | NextGen: Sum Assured of USD400,000 and Sun MultiX of USD1,000,000


Benefit term
Whole life

Premium structure
Premium is level and guaranteed

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

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)


Future – S 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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The contents of this website are for general information only, and do not constitute solicitation or an offer to purchase the products mentioned herein. Nothing on this website shall be construed as advice from Sun Life to make any investment or an indication of whether the products referred to herein are suitable for any person in particular. You will need to consider whether any product referred to herein is suitable for you, bearing in mind your own financial and other circumstances and needs. You should appoint your own qualified professional advisors, such as lawyers, accountants, tax and financial advisors, as you deem fit before you decide whether to purchase any product. No contract of insurance or any other legal relations is created or can be construed to be created involving Sun Life, or between Sun Life and you, solely based on the information set out on this website. Each product has its own relevant terms and conditions, features, restrictions, requirements and eligibility conditions. Please refer to the relevant insurance policy contract documents at all times. You should read carefully all the terms and conditions of the insurance policy contract and other relevant documents in relation to the insurance product, and ensure that you fully understand the terms contained in these documents before purchasing the product or entering into an insurance contract. While Sun Life believes that the information set out on this website is correct and accurate, as at the time it was prepared or as at the dates expressly set out herein, Sun Life does not guarantee the correctness, accuracy or completeness of the contents of this website. Further, Sun Life does not assume any responsibility, and has no obligation, to update this website or inform anyone of its updated contents if, in due course, 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 of this website. Life insurance products are offered by Sun Life Assurance Company of Canada Singapore Branch. These products may not be sold in the United States, nor to citizens or residents of the United States, nor to residents of Bermuda or Canada. Other restrictions may apply. 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 with the relevant laws, regulations and other requirements, as applicable, in relation to distributing insurance products prior to undertaking such distribution. This advertisement has not been reviewed by the Monetary Authority of Singapore.

These policies 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 your insurer or visit the GIA/LIA or SDIC web-sites ( or or

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. The Singapore Branch of Sun Life may be referred to as "Sun Life Singapore" 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. © 2022 Sun Life Assurance Company of Canada. All rights reserved. The name Sun Life and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada.