Sun Life Insurance UAE: Sun Global Solis II Review, Features, Investment Benefits & Estate Planning

About Sun Life International

Sun Life International, established in 1996, is the Bermuda-based international business of Sun Life Insurance. It focuses exclusively on serving HNW and UHNW individuals, entrepreneurs, family offices, and business owners with specialised life and wealth management solutions.

Today, Sun Life International helps clients with:

• Wealth preservation
• Business succession planning
• Cross-border financial protection
• Estate planning
• Legacy transfer strategies
• International life insurance solutions

Sun Global Solis II: Sun Life’s Indexed Universal Life Insurance Plan 

Sun Global Solis II includes several Sun Life estate planning features that help affluent families preserve wealth and transfer assets efficiently across generations. Structured as a form of Sun Life whole life insurance, it’s designed to offer protection for as long as you live, alongside market-linked growth potential. 

Sun Global Solis II at a Glance

Product specifications are based on the October 2025 product disclosure.

*Current Multiplier Cap Rate refers to the absolute maximum interest rate you can be charged during a specific period when your rate is calculated using a multiplier. 

*Guaranteed Multiplier means a fixed number specified in an insurance policy that is used to calculate the guaranteed payout or benefit based on the policy’s terms.

Backed by Strength You Can Rely On

A policy is only as strong as the company standing behind it, especially one meant to serve your family for decades. Anyone looking to buy Sun Life insurance should start by understanding the financial strength behind the promise. 

*Ratings as of October 2025.

How Does Manulife Global Indexed UL Work?

Every premium paid into Manulife Global Indexed Universal Life first covers the applicable policy charges. The remaining amount is then allocated to your chosen interest-crediting account, where it has the potential to grow over time.

Unlike traditional investments, the policy does not buy shares in the stock market. Instead, the interest is credited based on the performance of selected indices. This helps policyholders benefit from market growth, all while protecting accumulated policy value from negative index returns through the guaranteed floor.

As your financial goals evolve, you can change how future premiums are allocated between the available accounts. This aspect gives you greater flexibility over the life of the policy.

Interest Crediting Options of Manulife Wealth Builder

Manulife IUL offers four interest-crediting strategies to suit different investment objectives.

Fixed Account

Offers a declared interest rate with a guaranteed minimum of 1%, making it suitable for those seeking stable and predictable growth

S&P 500® Performance Indexed Account

Links interest crediting to the performance of the S&P 500®, offering 100% participation, a guaranteed 0% floor, and a 24% Index-Performance Multiplier

Nasdaq-100® Performance Indexed Account

Offers market-linked growth based on the Nasdaq-100®, making it suitable for those seeking greater exposure to technology-driven companies while maintaining downside protection

Blended Indexed Account

Combines the S&P 500® and Nasdaq-100® equally, providing diversified exposure across two major U.S. equity indices

Why Do Families Choose Sun Life UAE’s Sun Global Solis II?

Sun Life UAE’s Sun Global Solis II is built around four pillars that matter most to wealthy families: 

• Protection that outlasts market cycles: The new Death Benefit Protection feature can extend your coverage by an average of 14 additional years, at no extra cost. It comes with a protection level you choose to match your family’s needs, a hallmark of true Sun Life whole life insurance thinking. 
• Growth potential, without market exposure: Two indexed account options let your policy value grow based on the performance of a global benchmark. A guaranteed 0% floor means a down market year never reduces your account value. It’s a defining feature among Sun Life investment plans. 
• Loyalty rewarded over time: A Loyalty Bonus beginning in year 11, plus a Cumulative Guarantee that protects your minimum growth on full surrender, are built in from day one, not add-ons you have to qualify for later.
• A policy built to move with your family: From changing the insured life to choosing exactly how your beneficiaries receive proceeds, Sun Global Solis II is structured for multi-generational and cross-border planning, not just a single lifetime.

How Does This Sun Life Life Insurance Work?

• Your premium is allocated, in the proportions you choose, between a Fixed Account and one or two Indexed Accounts (the Optimum Indexed Account with a 10 .8% current cap rate, and the Multiplier Indexed Account with a 125% Guaranteed Multiplier Factor)
• Funds directed to an Indexed Account are held briefly in a Holding Account before joining the next available segment, where they’ll track index performance over a 12-month term.
• At the end of each term, interest is credited based on that performance, subject to your account’s cap rate, participation rate, and guaranteed floor. It’s the mechanism behind this Sun Life cash value insurance structure. 

Which Investment Strategy Fits Your Goals? 

Among Sun Life investment plans UAE accounts can choose from, your allocation should match your personal objectives: 

Remember, your financial adviser, like Paisabazaar.ae, can help you figure out an allocation strategy based on your objectives, time horizon, and risk tolerance. With such assistance, you can get a Sun Life insurance quote tailored to your specific goals.

Guarantees Built In From Day One

• Loyalty Bonus: Starting in policy year 11, an additional 0.80% is credited annually to your Account Value. This is a reward for the policies built to be held for generations, not years.
• Cumulative Guarantee: Should you ever fully surrender the policy, Sun Life guarantees your net premiums will have grown at a minimum of 2.00% annually, regardless of how the underlying indices performed. This applies specifically to full surrender and does not affect the value available for loans or partial withdrawals.

Estate Planning Features Built for Multi-Generational Families

Sun Global Solis II’s Sun Life estate planning toolkit is built specifically for families thinking beyond a single generation: 

Change of Insured: Life circumstances change: successors take over businesses, and family structures evolve. After the first two policy years, Sun Global Solis II allows you to change the insured life, subject to underwriting. This way, the policy can continue serving its purpose across generations rather than requiring an entirely new contract.

Death Benefit Settlement Options: Choose exactly how your beneficiaries receive the death benefit:

• A single lump sum
• Structured installment payments over a period you select
• A combination, a portion paid immediately, with the remainder distributed over time

This flexibility allows you to align the payout structure with your family’s needs, rather than leaving heirs with a single, immediate lump sum.

Sun Life International Eligibility Criteria

• Issue ages: 0–17 (juveniles), 18–85 (ages 76–85 considered at the company’s discretion)
• Availability: Based on the insured’s country of residence; not available to U.S. citizens or residents, or residents of Canada or Bermuda. Additional country-specific conditions may apply.
• Sun Global Solis II is not designed to meet the U.S. tax definition of life insurance and does not undergo U.S. Modified Endowment Contract (MEC) testing.

What Makes Sun Global Solis II Different from Traditional Life Insurance?

Traditional life plans generally focus on one objective: providing a lump-sum payment to beneficiaries after the insured person’s death.

Sun Global Solis II is designed to achieve several objectives simultaneously. Instead of simply offering life cover, this Sun Life life insurance solution combines:

• Permanent life insurance protection
• Flexible premium funding
• Market-linked cash value growth
• Protection against negative index returns
• Long-term loyalty incentives
• Estate planning flexibility
• Business succession support
• Multi-generational wealth transfer solutions

This integrated approach allows the policy to evolve alongside changing family, business, and financial circumstances.

Who May Not Benefit From This Sun Life Insurance Plan?

Sun Global Solis II may not be suitable if you:

• Need low-cost term life insurance
• Have a short investment horizon
• Want guaranteed investment returns
• Require frequent access to your invested capital
• Prefer simple life coverage without investment features