Sun Lifetime Advantage GIF

The sun shines on a hiker taking a photo of a field and hills. Learn more about Sun Life Advantage GIF.

Sun Lifetime Advantage GIF offers flexibility and choice to make decisions when investors are ready – they control when they want to start taking income. It meets the needs of investors getting ready for retirement.

  • Investors receive guaranteed income certainty through their initial investment and subsequent deposits. The minimum lifetime guaranteed income amount increases every year that income is deferred.
  • Until income payments begin, the minimum amount of lifetime guaranteed income automatically increases every year if market performance and interest rates are favourable.
  • When an investor decides to begin receiving retirement income, there's one final reset based on combined market value and interest rates, potentially increasing their level of lifetime guaranteed income.

Benefits of Sun Lifetime Advantage GIF


Lifetime guaranteed income

Give investors the certainty of knowing what their minimum lifetime guaranteed income will be, the choice of when to start it and the ability for it to grow through the deferral phase.

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Annual resets

Before taking income, minimum lifetime guaranteed income will automatically increase every year that market value and interest rates increase. There's nowhere for investors' income to go but up.

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Diverse leading fund companies

Hold up to 70% in equity funds and choose from approximately 40 funds, benefit from the investment expertise of leading global portfolio managers.

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Control over legacy settlement

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

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Private Client Program

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

Start the conversation

Ask Clients how they plan to manage the retirement risks and grow their retirement income during their working years. Then show them how Sun Lifetime Advantage GIF can help them navigate the retirement risks and grow retirement income during their working years.


  • How are you saving for a long-term goal or for retirement?
  • Are you concerned about the effect of market fluctuations on your investments?
  • Are you interested in investment options that can provide lifetime guaranteed income?
  • Do you want to control when you start taking income?

Recommending a solution to Clients

When you understand Clients' retirement plans and what their income needs are likely to be, it's easier to show them how Sun Lifetime Advantage GIF can help meet their retirement goals, throughout their life.



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.

  • Allows their savings to grow throughout their working years
  • Offers resets of future guaranteed income every year market values and interest rates increase
  • Provides the flexibility and choice to decide when to start drawing an income from their investment
  • Has a diverse fund line-up from leading global portfolio managers
  • Assurance of knowing what their minimum lifetime guaranteed income will be
  • Control over their legacy

Getting ready for retirement - Retirement isn't far away and I want to grow my savings.

In retirement - I'm retired (semi-retired). My savings, investments and pension(s) cover my basic lifestyle needs. I've saved enough for retirement, but I still have more money to invest and I want my income to grow while I'm retired.

Legacy - I want to choose how my estate will be distributed.

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