致尊貴的合作夥伴：

與市場同步，永明金融一直為產品議案及策略進行檢討。因持續的低利率環境，於最近一次的管理層檢討中決定將明智創富萬用壽險之現行每年利率調低至3.85%。

您須要留意的幾個日子：

 

保單批出日	利率
於2016年6月15日或之後（新生意）	每年3.85%之現行利率將適用
由2015年12月1日至2016年6月14日（包括首尾兩日）	每年4.1%之現行利率將維持至2016年12月1日前 由2016年12月1日起，現行利率將轉變為當時生效之現行利率（即每年3.85%，除非於2016年12月1日前有進一步轉變）
2016年12月1日前（現有保單）	由2016年6月15日起，每年3.85%之現行利率將適用

您及客戶需就此事作出之配合：

• 由2016年6月1日起，明智創富萬用壽險的建議書之現行每年利率將會調整至3.85%；
• 您可於2016年6月1日起經SunSurf下載並使用更新版的建議書（http://www.fi.sunlife.com.hk/static/hongkong/sunlifeFI/tc/login.html），已更新的利率便可於客戶建議書上顯示；
• 如客戶申請表於2016年6月1日或之後遞交，其申請必須連同已列出3.85%為現行利率的更新版建議書一併遞交；如此申請於2016年6月14日或之前批出，則每年4.1%之現行利率將適用至2016年11月30日；
• 如客戶的申請表於2016年6月1日之前遞交而保單於2016年6月14日或之前批出，您不須要重新製作建議書；反之，如保單於2016年6月14日或之前不能成功批出，您必須重新製作印有現行利率為每年3.85%的建議書，並要求客戶簽署然後遞交。
• 當客戶保單之新利率正式生效，新利率將於客戶的下一個季度／年度報告中列出。

如您對上述安排有任何疑問，請聯絡您的業務發展經理。

永明金融

Dear Business Partner,

Consistent with market practice, we continually review our product proposition and strategy. Following a recent management review taking into account consistent low interest rates, a decision has been made that the crediting interest rate for BRIGHT UL Wealth-Builder will be reduced to 3.85% per annum.

A few dates you have to take note of:

Policy Issue Date	Crediting Interest Rate
On or after Jun 15, 2016 (new business)	3.85% p.a. current crediting interest rate will apply
Between December 1, 2015 and June 14, 2016(both dates inclusive)	Current crediting interest rate will remain 4.1% p.a. before 1 Dec 2016 Effective December 1, 2016, the current crediting interest rate will be changed to the then-current rate (which will be 3.85% p.a. unless further change is made before December 1, 2016).
Before December 1, 2015 (existing policies)	3.85% p.a. current crediting interest rate will apply effective June 15, 2016

What you and your clients need to do about this?
- Starting from June 1, 2016, the illustration worksheet will be updated with the new current crediting interest rate of 3.85% per annum;
- The updated illustration worksheet will be available on SunSurf (http://www.fi.sunlife.com.hk/static/hongkong/sunlifeFI/en/login.html). You may download it starting from June 1, 2016 so as to have the updated rate reflected in your client's proposal;
- If your client's application is submitted on or after June 1, 2016, it has to go with the updated illustration worksheet by showing 3.85% p.a as the current crediting interest rate; however, if application is settled on or before 14 June 2016, 4.1% p.a. crediting rate will apply until 30 November 2016
- If your client's application is submitted before June 1, 2016 and is settled by June 14, 2016, you do not need to regenerate another proposal; however, if it's not settled by June 14, 2016, you need to regenerate another proposal with 3.85% p.a. crediting interest rate for your client's signature and submit it to us.
- New crediting interest rate will be shown in your client's next quarterly/ annual statement after the new rate of his policies become effective date.

If you have any questions regarding the above arrangement, please feel free to contact your Business Development Manager.

Sun Life Financial