Sun GIF Solutions

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

Protect your savings, take advantage of strong market performance, lock in lifetime guaranteed income and create the legacy you want to leave behind with Sun Guaranteed Investment Fund (GIF) Solutions.

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 and a one-contract solution.

Control over legacy settlement

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

Start the conversation

Ask Clients about their savings and retirement goals. Then explain how Sun GIF Solutions can meet their financial needs, now and in retirement. Play the  Sun GIF Solutions video to show them it's a solution that's easy to understand, provides flexibility and guarantees. Then have a conversation guided by the following questions:

TALKING POINTS:

  • How are you saving for a long-term goal or for retirement?
  • Do you regularly contribute to your savings?
  • Are you interested in investment options that provide lifetime guaranteed income with flexibility?
  • What do you know about estate costs? Do you plan to leave a financial gift for your loved ones?
  • Let me show you how setting aside a portion of your income through regular contributions for future events like education, life events, and of course, retirement, can really pay off.
  • Financial decisions don't have to be overwhelming. With Sun GIF Solutions and my guidance along the way, you can invest with greater peace of mind.
Compare the three series at a glance
  Investment Series Income Series Estate Series
Target market age1 Age 25 – 90 Age 55 – 75 Age 50 – 80
Target market description2 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
  • Market growth opportunities through maximum equity exposure
  • Basic guarantees with access to money3
  • Lifetime  guaranteed income, immediately or within five years
  • Guarantees with access to money3
  • Flexibility to start income when it's needed
  • Grow estate value with the markets
  • 100% death benefit guarantee
  • Legacy planning at a fair price
  • Guarantees with access to money3
Investment fund options

Approximately 60 funds available

See available funds

One Strategic Fixed Income Fund is available

See available funds

Approximately 55 funds available

Approximately 15 funds for deposits between ages 81 and 90

See available funds
Maturity guarantee 75% 75% 75%
Contract maturity date Dec 31, age 100 Dec 31, age 100 Dec 31, age 100
Death benefit guarantee 75% 75% 100%
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%

1 All ages shown are for the annuitant, as of December 31.
2 Sun GIF Solutions is a segregated fund product that combines three different series in one flexible contract. As your needs change, you'll have the freedom to transition between the Investment, Income and Estate Series, all within the convenience of one product.
3 Withdrawals impact the value of contract guarantees.

There are three series to meet changing investor needs:

Sun GIF Solutions - Investment Series
  • Value of insurance guarantees at a competitive price
  • Variety of investment options at various risk levels
  • Create customized portfolios

Benefits include:

Guarantees at a fair price - icon

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 access to their money if needed. (Withdrawals impact the value of contract guarantees.)

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Private Client Program

Affluent investors can choose from a wide range of investment options with competitive fees.

Sun GIF Solutions - Income Series
  • Simple product with lifetime guaranteed income
  • Can provide immediate income
  • Conservative investment protected with insurance guarantees

Benefits include:

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High level of lifetime guaranteed income

Give investors peace of mind with the certainty of guaranteed income for life. Investors lifetime income also increases for every year they defer their income start date.

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Strategic Income Fund

This fund seeks to preserve capital and provide sustainable income by investing mainly in investment grade fixed income investments. Visit Sun GIF Solutions Strategic Income for more details.

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Flexible income start date

Investors can decide when they want to start income, they don't need to make a decision in advance.

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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
  • Investors can grow their estate value
  • Protected with insurance guarantees

Benefits include:

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100% death benefit guarantee

The death benefit guarantee is 100% of deposits4, and is the greater of the death benefit guarantee or the current market value upon the death of the annuitant.

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Annual death benefit resets

Estate value is automatically locked-in annually up to age 80 if the market value increases, so investors' money has nowhere to go but up4.

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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 payout annuity income stream. For more information, review Simplifying family dynamics with the legacy settlement option.

Private Client - icon

Private Client Program

Affluent investors can choose from a wide range of investment options with competitive fees.

4 Withdrawals impact the value of contract guarantees.

Recommending a solution to Clients

When you learn more about Clients' investing experience, risk tolerance and life stage, it's easier to show them where Sun GIF Solutions can fit into their savings and investment goals.

LIFE STAGE NEED

SUN GIF SOLUTIONS SERIES

Building for the future - Much of my income goes toward monthly expenses. It's hard to find time, but growing and protecting what I have is important to me.

Investment Series - A savings option that lets you participate in the market knowing your investments can be protected with guarantees.

Getting ready for retirement - I'm in my peak wage-earning years and I have more savings to put toward the things I enjoy most. I want to be sure that I'll have enough money to last through my retirement.

Investment Series - A savings option that lets you participate in the market knowing your investments can be protected with guarantees.
Income Series - Provides you with predictable, sustainable income in retirement - guaranteed for life.

In retirement - I'm retired (or semi- retired) and I'm ready to start taking income. I'm concerned about having a guaranteed income that lasts as long as I do.

Income Series - Provides you with predictable, sustainable income in retirement - guaranteed for life.

Legacy - I want to have peace of mind in knowing that my estate costs are covered and my loved ones and/or favourite charity will receive the gift I've left for them.

Estate Series - Allows you to grow your estate and enjoy the protection of insurance benefits.

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