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

  • Clients 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 a Client 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 Clients 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.

Annual resets

Before taking income, the minimum lifetime guaranteed income will automatically increase every year when markets and interest rates are favourable.

Diverse leading fund companies

Client’s can hold up to 70% in equity funds, choose from a broad selection of industry leading funds, and benefit from the investment expertise of leading global portfolio managers.

Control over legacy settlement

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

Private Client Program

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

Start the conversation

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

Talking points

  • 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.

Life stage need Sun LifeTime Advantage GIF
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.