13/12/2025
Sun Fit and Well Advantage
-a comprehensive life + health insurance plan with wellness and critical illness protection
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1. Broad Health & Wellness Coverage
Includes access to wellness activities and programs (like the GoWell community) to help you stay healthy and possibly reduce risk of serious illness.
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2. Critical Illness Protection
Pays cash benefits if youโre diagnosed with 100+ covered critical illnesses (minor and major).
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3. Specific Cancer Booster
If diagnosed with a covered cancer condition, you get an extra cash benefit (often up to 50% of the face amount).
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4. Enhanced Medical Support (Advantage Upgrade)
Compared with the base Fit and Well plan, the Advantage version adds benefits like:
Hospital income benefit (cash per day for hospital stays),
Post-hospitalization cash after discharge,
Home recovery support to cover follow-up care expenses, and
Palliative care benefit for serious/terminal conditions.
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5. Guaranteed Cash Benefits in Retirement
Starting as early as age 65, you can receive annual advances of a portion of your face amount (e.g., 5% for 8 years) like a steady income stream in your golden years.
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6. Life Insurance Protection
You also get life insurance coverage up to age 100, helping secure your familyโs financial future.
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7. Potential Bonuses & Dividends
After you finish paying premiums (10/15/20-year options), you may receive a Special Paid-Up Bonus and annual dividends, which you can withdraw or let grow.
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8. Limited Premium Payment Period
You pay premiums only for a fixed period (10, 15, or 20 years), but the coverage continues until age 100, giving you long-term protection without lifelong premiums.
Why People Choose It?
People typically choose this plan if they want
financial protection against critical illness
peace of mind so they and their family arenโt burdened by large medical costs,
cash support during recovery (not just upfront diagnosis benefit).
A mix of insurance + savings features with potential rewards and retirement income all in one plan.
