Life s brighter under the sun. Sun Life Financial and you

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1 Life s brighter under the sun Sun Life Financial and you

2 It s your financial future. We can help. When it comes to your money, you want to make sure you do the best you can with what you have. With good advice and the right decisions, it s entirely within your power to reach the financial goals you set now, and in years to come. At Sun Life Financial, our mission is to help you achieve lifetime financial security. When you work with us, you re joining six million Canadians who trust in our ability to give them the products, knowledge and confidence they need to build a solid financial plan and put it into action. Proudly Canadian Founded in Montreal in 1865, Sun Life Financial has grown to employ more than 14,000 people around the world including North America, the U.K., Ireland, China, Hong Kong, Japan, Indonesia, India, the Philippines and Bermuda. Travel across time and around the world by watching a video about our rich company history. Read inspiring, real life stories from Sun Life Financial clients.

3 Good people doing great work By creating a culture based on respect, support and exceptional opportunities for growth and development, Sun Life Financial is successful in bringing in the most talented people in the financial services industry. Along with having specialized skills and in-depth expertise, the employees, advisors and investment professionals who make up our vast, global team all share a commitment to providing you with exceptional service and access to market-leading solutions. Focused on your needs Our business is about making a meaningful difference in people s lives. In the first quarter of 2012, Sun Life Financial: helped Canadians cover the cost of over: 7,000,000 prescriptions, 4,900,000 dental care and 7,600,000 other health-related expenses made life a little easier to cope with for 7,541 people who lost a loved one or had a loved one diagnosed with a critical illness provided clarity for 1,796,022 clients who called us with questions about their products and services Join our team Learn more about employment opportunities with Sun Life Financial.

4 Solutions for every life stage Financial planning is more than just saving money today for a distant tomorrow. That s why Sun Life Financial offers the full range of financial solutions required to build, protect and enjoy your savings. And when market conditions shift and new trends emerge, our product lineup evolves to continue to meet the changing needs of our individual and group clients. Advisors have the knowledge, skills and ability to help with your financial plan. By working to build a trusting relationship that s meant to last, your advisor gains a complete understanding of your goals and personal situation. With this level of insight and commitment on your side, you re able to make the best choices for every need, at every stage in life. Sun Life Financial has the largest network of professionally trained advisors with more than 187,000 advisors worldwide.

5 Our customized products and services include: Life insurance Mutual funds Term life insurance Segregated funds Permanent life insurance Guaranteed investment certificates (GICs) Universal life insurance Accumulation annuities Disability insurance Registered retirement income funds (RRIFs) Critical illness insurance Payout annuities Long term care insurance SunFlex Retirement Income Personal health insurance Employee benefits and group insurance Tax-Free Savings Accounts (TFSAs) Group RRSPs and pension plans Registered retirement savings plans (RRSPs) Workplace seminars Registered education savings plans (RESPs) Estate and financial planning services Mutual funds are offered by Sun Life Financial Investment Services (Canada) Inc., registered in Quebec as a firm in group-savings-plan brokerage. Sun Life Financial GICs and Principal-protected notes are issued by Sun Life Financial Trust Inc. Sun Life Global Investments gives you access to world-class mutual funds and the award-winning expertise of industry leaders like MFS Investment Management.

6 Action through innovation Every day, we look for ways to inspire you to set financial goals and make it easier to achieve them. This means creating engaging tools that make financial planning clearer and, we hope, much more enjoyable. Wondering where to start with your financial plan? We can help with Life Stage Planner. Retirement information, the way you want it. Visit My retirement café to learn more about the key things to consider when you re ready to retire. Share ideas about money, life and family at brighterlife.ca. Want to know how other Canadians view retirement and their health? Check out our Unretirement Index and Canadian Health Index research studies.

7 Strong, reliable and secure For more than 145 years, Sun Life Financial has been one of the most trusted names in financial services. Through product and market diversification, along with striking the right balance between short-term profits and smart future planning, we make sure that we re here for you over the long term. Sun Life Financial consistently receives high rankings from independent ratings agencies like Moody s, Standard & Poor s and A.M. Best. This gives you the comfort of knowing that we are making sound business and risk management decisions, have a solid ability to meet our claim payout commitments to policyholders and the financial strength to weather any economic downturn for a long period of time. Take a look at our most recent financial strength ratings. Awards and accolades Read about the latest recognition our organization and people have received for outstanding achievements.

8 Responsible corporate citizenship We envision a world where people live healthy, fulfilling lives in clean, culturally vibrant communities, and have a secure future to look forward to. To make that vision a reality, we deeply believe it is our responsibility to act in only those ways that make a positive contribution to society. This philosophy is the driving force behind the products and services we choose to offer, our internationally recognized commitment to sustainability and the programs we have in place to give back to the communities where we work and live. Acting today for a brighter tomorrow Each year, Sun Life Financial contributes millions of dollars and thousands of volunteer hours to support a wide array of health and education initiatives, arts and cultural programs and social service organizations. Learn more about what good corporate citizenship means at Sun Life Financial.

9 More than just words Our mission, vision and values guide us in everything we do from how we use our resources, to developing our people and determining our product offering. By staying true to our principles, we meet the highest standards for integrity, service and performance. Our goal is to provide relevant and candid advice, encourage you to be proactive about your finances and give you the tools to help create the life you want to lead. Mission To help customers achieve lifetime financial security Vision To be an international leader in protection and wealth management Values Integrity Engagement Customer focus Excellence Value We are committed to the highest standards of business ethics and good governance. We value our diverse, talented workforce and encourage, support and reward them in contributing to the full extent of their potential. We provide sound financial solutions for our customers and always work with their interests in mind. We pursue operational excellence through our dedicated people, our quality products and services and our value-based risk management. We deliver value to the customers and shareholders we serve and to the communities in which we operate.

10 Connect with us On the web Visit our detailed company and product information and access interactive financial planning tools and resources at Over the phone Contact our Customer Care Centre at SUN-LIFE ( ). In person Talk to your advisor today about Sun Life Financial. Together, we ll create the right plan to build, protect and enjoy your savings. Cover photo, Fall leaves, by Lianne Clarke, employee, Sun Life Financial Canada. Top photo, page 8, Team Sun Life at the 2010 JDRF Ride for Juvenile Diabetes research, Waterloo. Bottom photo, page 8, Making life brighter in Waterloo Region, Sun Life Financial employees at food bank fundraiser. Life s brighter under the sun

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