Sun GIF Solutions

The sun is shining on a runner's legs in mid-stride. Learn more about Sun GIF solutions

Sun Guaranteed Investment Fund (GIF) Solutions is designed to grow with investors through different life stages. There are three different series to meet investors' evolving financial needs: Investment, Income and Estate Series.

Benefits of Sun GIF Solutions

One contract for many investors

Sun GIF Solutions is one product for many client needs. It combines three different series in one flexible contract.

Ease of mobility

As needs change, investors have the flexibility to move between the Investment, Income and Estate Series.

Ease of doing business

Be more efficient with convenient sales processes.

Control over legacy settlement

Investors can choose to have the death benefit paid to beneficiaries as either a lump sum or a non-commutable payout annuity.

Compare the three series at a glance
  Investment Series Income Series Estate Series
Target market age Age 25 – 90. Age 55 – 75. Age 50 – 80.
Target market description Investors who are building their savings. Investors who are getting ready for or are in retirement. Investors who are getting ready for or are in retirement.
Goals
  • Growth opportunities through maximum equity exposure
  • Guarantees with potential access to money*
  • Immediate lifetime  guaranteed income
  • Guarantees with potential access to money*
  • Grow estate value
  • 100% death benefit guarantee to address uninsurability
  • Legacy planning at a fair price
  • Guarantees with potential access to money*
Investment fund options Approximately 60 funds available.

See available funds
The Strategic Income Fund is available.

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Approximately 55 funds available.

See available funds
Maturity guarantee 75% maturity guarantee. 75% maturity guarantee. 75% maturity guarantee.
Contract maturity date Age 100. Age 100. Age 100.
Death benefit guarantee 75% death benefit guarantee. 75% death benefit guarantee. 100% death benefit guarantee.
Resets - - There are automatic annual resets on death benefit guarantee, based on market performance until age 80.
Management expense ratio (MER)** Approximately 1.90 – 3.60%. Approximately 2.80%. Approximately 2.05 - 3.60%.

*Withdrawals impact the value of contract guarantees.

**The MER of a fund is calculated based on the insurance fees, the management fee, and the fund’s operating expenses. The MER of a fund includes the MER of any underlying funds, and any fees or sales charges associated with those underlying funds.  There is no duplication in the fees and sales charges of the funds and underlying funds.  The MER of a fund may change without notice unless the increase is due to an increase in the management fee.

There are three series to meet changing investor needs:

Sun GIF Solutions - Investment Series

Offers the opportunity to invest with the value of insurance guarantees at a competitive price. Investors can assume varying levels of risk and create customized portfolios.

Benefits include:

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Guarantees at a competitive price

No matter what life stage, investors have a valuable savings option with guarantees at a fair price.

100% equity - icon

100% equity

Maximize potential growth by holding up to 100% in equity funds in a broad fund lineup including various asset classes ranging from money market to specialty equity to meet many risk tolerances.

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Diverse leading fund companies

Choice of approximately 60 funds, providing access to investments from leading global portfolio managers.

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Access to money

Investors have potential access to money if needed.*

Private Client - icon

Private Client

Private Client gives you a fresh approach to investing. Clients can choose from a wide range of investment options with highly competitive fees and other advantages tailored to the needs of affluent investors.

*Withdrawals impact the value of contract guarantees.

Sun GIF Solutions - Income Series

Designed for investors who are looking for immediate income, a conservative investment protected with insurance guarantees. It's a simple product that provides a lifetime guaranteed income.

Benefits include:

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Strategic Income Fund (SIF)

This fund invests in a range of investment options and asset classes including exchange traded funds, mutual funds, and direct securities as part of Sun Life's overall risk management approach.

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High level of lifetime guaranteed income

Give investors peace of mind with the certainty of guaranteed income for life.

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Deferral option

Investors can lock in future retirement income based on the current market value and current interest rates. Investors are guaranteed a lifetime income that is increased for every year they defer their income start date.

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Ease of transition to retirement income

Take care of investors' changing needs with a convenient process to begin receiving income when they're ready.

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Leading edge illustration tool

Show investors how different series of Sun GIF Solutions can address investor's retirement income needs by adding and customizing transactions.

Sun GIF Solutions - Estate Series

Offers investors a low-cost option to grow their estate while being protected with insurance guarantees.

Benefits include:

100% death benefit guarantee - icon

100% death benefit guarantee

The death benefit paid will be the greater of the death benefit guarantee or the current market value.

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Annual resets

Estate value is automatically locked-in annually if the market value increases, so investors' money has nowhere to go but up.

Diverse leading fund companies - icon

Diverse leading fund companies

Investors can hold up to 100% in equity funds and choose from approximately 55 funds, and they can benefit from the investment expertise of leading global portfolio managers.

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Control over legacy settlement

Investors' assets are distributed according to their wishes, with options to allocate money directly to a beneficiary through a lump sum or a non-commutable payout annuity.

Private Client - icon

Private Client

Private Client gives you a fresh approach to investing. Clients can choose from a wide range of investment options with highly competitive fees and other advantages tailored to the needs of affluent investors.

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