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Sun Life Financial



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Sun Life Financial and its financial strength

Sun 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 customers.

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 financial strength.

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.

Active risk management


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.

 Today-



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.

Annuities

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 the future.

Note:

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 AGENCY


Life Insurance

It’s 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 insurance brokerage offers 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 businesses

Life insurance can be used to address a variety of business needs—from enhancing 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 businesses integrate 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 insurance.

Explore survivorship life

If you’re married, your family’s assets will pass to one spouse following the death of the other—without triggering any estate tax consequences. But on the death of the second spouse, your family could be facing a sizable estate tax burden that is typically due within nine months of the second spouse’s death.

One effective way to ensure more money stays in the family—and less is paid out in taxes— is to buy a survivorship life insurance policy to cover this estate estate tax burden.


 Sun Life Insurance Brokerage Products And Services

 

  
 
Sun Life Financial
Address1 One Sun Life Executive Park
Address2 -
City Wellesley Hills
State MA
Zip 02481
Phone Number (800) SUN-LIFE
Fax Number -
WebPage salesnet.sunlife-usa.com/index.cfm
 
 

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A Tale Of Two Agents

 Captive Agent
  

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.


Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

 While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.
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