Sun Life Guaranteed Investment Funds (GIFs)

Sun Life Guaranteed Investment Funds (GIFs) is an industry-leading suite of segregated fund contracts. They offer protection and potential for investment growth.

Build and protect your savings with Sun Life GIFs

When you invest, you contribute to a large pool of money. This pool is invested in stocks, bonds or other securities that grow the value of the entire investment. With segregated fund contracts, you also have maturity and death benefit guarantees. In some cases, you’ll even have income guarantees for life.

Guarantees and insurance benefits with segregated funds

  • Reduce your risk with guarantees on your investments. Depending on the product, you will have guarantees on maturity or death equal to 75% or 100% of premiums invested. We reduce these for withdrawals.
  • Segregated fund contracts are insurance contracts. They provide traditional insurance advantages. These include named beneficiary options, potential creditor protection and avoiding probate. Sun Life GIFs offer you growth potential and security.

Find a detailed description of the product features in the information folders and contracts for the three products. Learn more.

Sun Life GIFs have three products to meet your financial needs:

Sun GIF Solutions

Sun GIF Solutions grows with you through life’s stages. There are three guarantee series to meet your evolving financial needs: Investment, Income, and Estate Series. Sun GIF Solutions offers the flexibility to move investments between the series. This helps you make the most of different guarantee options. Sun GIF Solutions provides:

  • Guarantees at a competitive price
  • Immediate lifetime guaranteed income, if needed
  • The ability to maximize estate value
  • Guarantees with potential access to money*

Sun Lifetime Advantage GIF

Sun Lifetime Advantage GIF reduces key retirement risks. It also gives you growth potential by increasing the guaranteed income. This happens when markets and interest rates are favourable during the years leading up to retirement. If you're getting ready to retire, this product offers certainty about the lifetime guaranteed income you'll receive in retirement. It also lets you choose when to start taking it. Sun Lifetime Advantage GIF provides:

  • Lifetime guaranteed income certainty
  • Market and interest rate risk protection, through guarantees
  • Guarantees with potential access to money*

Sun Protect GIF

Sun Protect GIF can help you reach your long-term savings goals. It can give you the highest level of market protection available within the Sun Life GIFs suite.* Sun Protect GIF provides:

  • The ability to invest in the market
  • Estate protection
  • A guaranteed legacy
  • The ability to maximize estate value
  • Guarantees with potential access to money**

* See the information folder and contract for details on the guarantees available.

** Withdrawals affect the value of contract guarantees.


Sun Life GIFs are individual variable annuity contracts issued by Sun Life Assurance Company of Canada, a member of the Sun Life group of companies.

Any amount that is allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value.