Ranked as one of the largest life insurance companies in North America, Sun Life Financial1 offers an innovative portfolio of life insurance products that can provide solutions for your client’s accumulation and protection needs.

Here are some highlights about Sun Life to consider:

Never Raised Our Cost of Insurance Rates:

While Sun Life Assurance Company of Canada and Sun Life Assurance Company of Canada (U.S.) have the contractual right to change our cost of insurance rates, we have not increased our COI rates on any of our U.S. individual UL or VUL policies to date, although there is no guarantee that we will not do so in the future.

Sun Power Points

The Sun Life Underwriting team uses this innovative health crediting program that may move a rated case by 3 tables or move a proposed insured from Standard to a Preferred risk class.

Financial strength and support

A.M. Best has recognized Sun Life Assurance Company of Canada for maintaining a financial strength rating of A or higher since 1946. Please refer to www.sunlifesales.com to view all appropriate ratings.

Sun Life products to consider:

• Sun AccumULatorSM is a high early cash value product for the individual market. It is ideal for clients looking for insurance protection and cash accumulation on a tax favored basis. Some of the features include:

–~100% cash surrender values in the first 4 years for highly funded cases2
–Competitive Internal Rate of Return on both cash value and death benefit
–No surrender charges
–Interest bonus starting in year 11

• Sun Executive UL targets small to medium size business owners who require high early cash value and competitive cash accumulation to fund business insurance needs such as buy sell, key person and supplemental retirement income for themselves or their employees.3 This product offers unique features including:

–High early cash values which minimize the impact to a firm’s financials
–Special cost of insurance designed for business and executive marketplace
–Flexible underwriting including, Guaranteed Issue on 10 lives or more
–No surrender charges

Both of these products are designed as current assumption products which combine the benefits of life insurance protection your clients need with the ability to heavily fund these polices to take advantage of competitive cash build-up and tax favored distributions.

For more information, quotes, or fast help with your toughest life cases, call Matt at (800) 936 – 0339 option 1 or email info@lifeagents.com .

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