Life Financial and its financial strength
Life Financial is a strong, well-capitalized enterprise,
with a resolute in empowering customers with the ability to
achieve lifetime financial security.
Through 21 presidents, two world wars, and countless
economic dips, blips, and climbs, Sun Life Financial
insurance brokerage has
stood strong—keeping its promises and delivering for its
Few companies can match our established
record of financial strength and long-standing tradition of
honoring our financial commitments—qualities that are
paramount in a world affected by the current global
financial crisis. Of course, no one is immune to such a
crisis, but we are experienced at navigating uncertain
times, thanks to our unique approach to maintaining
Safeguarding reserves and capital
As regulated entities, Sun Life Financial insurance
companies are required to set aside reserves and capital to
pay for product benefits and guarantees.
Prudent investment approach
Sun Life Financial has a well-diversified and high-quality asset portfolio
that strictly adheres to a research-based process conducted
by more than 200 experienced professionals and support
staff. Essentially, we buy only what we know, and we make
sure our investments are in various industries, companies,
asset classes, and financial instruments.
Sun Life Financial employs a consistent approach to identify, measure,
monitor, and manage risk. Our strong investment and risk
management practices place Sun Life Financial insurance
companies among the top global life insurance companies.
Standard & Poor’s STRONG rating of our overall risk
management approach is a testament to our inherent
conservatism. Our balanced product portfolio and global
earnings mix also help to minimize downturns in both
specific business lines and in geographical markets.
Sun Life Financial is an international success story.
Insurance brokerage operations, subsidiaries and joint ventures touch the lives
of millions of people in the United States, Canada, the
United Kingdom, Hong Kong, the Philippines, China,
Indonesia, India, Japan, and Bermuda.
Imagine knowing that your retirement
assets are positioned to take
advantage of potential market
upswings...and that you can protect
your future income from market
downturns. A variable annuity with
an optional living benefit,
available for an additional cost,
can provide that type of balance.1
Then envision being able to turn
your assets into regular retirement
income that’s guaranteed to continue
for life. Those are just two of the
ways Sun Life Financial annuities
can offer you a brighter outlook for
All guarantees are backed by the
claims-paying ability of the issuing
insurance company. Guarantees do not
apply to the performance or safety
of amounts held in the variable
subaccounts of a variable annuity.
1. Optional living benefits are
available at the time of
application, and have certain
limitations and restrictions for
premiums and investment allocations.
Variable annuities are long-term
investment vehicles designed for
retirement purposes and are subject
to market fluctuation, investment
risk, and possible loss of
principal. Past performance does not
guarantee future results.
If you are considering a variable
annuity, this information is
authorized for public use only when
preceded or accompanied by a
prospectus. Please read all
prospectuses for the variable
annuity product and the underlying
investment options carefully before
investing or sending money.
All withdrawals of taxable amounts,
including earnings, are taxable as
ordinary income tax and, if taken
prior to age 59½, may be subject to
a 10% federal tax penalty.
Withdrawals will reduce the death
benefit and cash surrender value.
Annuities are issued by Sun Life
Assurance Company of Canada (U.S.)
(Wellesley Hills, MA) in all states
except New York. In New York, the
contracts are issued by Sun Life
Insurance and Annuity Company of New
York (New York, NY). Variable
annuity products are distributed
through Sun Life Financial
Distributors, Inc. All three
companies are members of the Sun
Life Financial group of companies.
Certain products are not available
in all states.
NOT FDIC/NCUA INSURED - MAY LOSE
VALUE - NO BANK/CREDIT UNION
GUARANTEE - NOT A DEPOSIT - NOT
INSURED BY ANY FEDERAL GOVERNMENT
critical to protect your family or
small business from financial risk.
Fortunately, that’s easier—with the
help of life insurance from Sun Life
Financial. From protecting your
loved ones and enhancing your wealth
to sustaining your business and
enhancing its benefits,
Sun Life Financial
solutions for a better life.
Looking to protect, grow or
preserve your financial resources?
See how life insurance can help
attract top talent, protect yourself
from the loss of a key employee, and
ensure your business continues.
Universal life for
Life insurance can be
used to address a
variety of business
executive benefits and
protecting the business
from the loss of a key
employee to facilitating
the transfer of the
business to new owners.
At Sun Life Financial,
we specialize in helping
life insurance solutions
into their overall
business planning. One
type of life insurance
that can help address an
array of business needs
is universal life
pass to one
the death of
But on the
death of the
be facing a
less is paid
taxes— is to
Sun Life Insurance Brokerage Products