Product Portfolio Review
Mike Joyal – Key Account Manager
Doug Bowden – Director, Advanced Markets
December 3rd , 2008 - 11:30 AM EST
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
Universal Life
 No-Lapse Guarantee:
Sun Universal Protector (LP5)
Sun Survivorship UL (LP5)
 Business
Market:
Sun Executive UL
Sweet Spots
VERY strong ages
45 - 70 & 75 - 85
Sweet Spots
Sweet
“one
of aSpots
kind”
Lowest
Premium
Ages 40 - 65
Business
Sponsored
Strong
Accumulation
GICash
at 10+
lives
Premium financing
Current Assumption:
Sun Universal ProtectorPlus™ (with LTC Rider)
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
2
Sun Life Product Portfolio
Variable Universal Life
 Death Benefit Protection:
Sun Protector VUL
 Business
Market:
Sun Executive VUL
Sweet Spots
Lowest premium (#1 or #2)
ages 40 – 60
Very strong no-lapse
Sweet Spots
guarantees
Business Sponsored
Excellent
Fund
Options
GI at 10+
lives
 Accumulation:
Futurity Accumulator VUL
 Survivorship:
Futurity Survivorship VUL
Sweet Spots
Strong Cash Accumulation
20 year no-lapse protection
included
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
3
Sun Life Product Portfolio
 Product

Riders and Enhancements
Charitable Giving Benefit Rider

Assist America

Long Term Care Rider

Accelerated Benefits Rider

1035 Backdating Advantage
APays
unique
travel
1%24/7
of the
face
assistance
amount inprogram
additionfor
to
Coverage
for:
policy
owners,
spouses
the base
policy
death
and
their
dependents
Nursing
Home
Care
benefit
to a
501c
charity
of your choice
no additional
costCare
!
Home Health
Up tono
75%
of the death
additional
cost !
Assisted
Living
Premiums
/1035
benefit can be paid to monies
the
will be
as of a
Adult
Day
Care
policy owner
ifapplied
the
insured
back-date,
earning
up to
is terminally
ill
12 months interest in the
no additional
costyear
!
first policy
no additional cost !
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
4
Sun Life Product Portfolio
 Innovative
Case Design and Analysis
 Sun Life’s team of Advanced Market Specialists
consists of attorneys, case and product design
and illustration experts
 Key Areas of Design Expertise:
Illustration Experts
 Wealth and Income Planning
(Sun Life Sales Desk)
Software
 Business Planning
800-432-1102
Sun Solutions ©
 Retirement Planning
Ext. SALE (7253)
Sun Life Ascent ©
 Estate Planning
Janice
Forgays
Jerry
Rose Watson
Deborah Moon
Greg Weihs
Faux
Doug
Bowden
WinFlex
(web only)
 President
Charitable
Giving
Planning
Vice
Director
Director
Director
Director
Director
800-432-1102,
ext. 1846
800-432-1102,
x2450
janice.forgays@sunlife.com
douglas.bowden@sunlife.com
800-432-1102,
1746
800-432-1102, ext.
x1817
jerry.weihs@sunlife.com
greg.faux@sunlife.com
800-432-1102, ext. 1838
deborah.moon@sunlife.com
800-432-1102, ext. 7196
rose.a.watson@sunlife.com
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
5
Workshop Breakout
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
6
Sun Life Product Portfolio
Sun Universal Protector (LP5) & Sun Survivorship UL (LP5)
Flexible No Lapse Guarantee Periods
 LP5
 Short pays
Where
the
Wheredoesn’t
does the
 Premiums to age 100
Product
work?
Product
work
best?
 Funding to Life Expectancy
 Catch-up Provision
Riders and Enhancements
 Industry-first Assist America Feature
 Innovative Charitable Giving Benefit Rider
 Accelerated Benefits Rider
 1035 Backdating Advantage
 30 Day Late Payment of Premium Provision
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
7
Sun Life Product Portfolio
Sun Protector VUL
Lifetime no-lapse
guarantee rider available
 Highly Competitive Premiums
 Ranked # 1or 2 at ages from 40 to 65
 Highly competitive underlying No-Lapse Guarantee
 No additional cost & No investment restrictions
 Significant Potential for Cash Growth
 Ranked # 1 at almost all 10, 20, and 30 year durations
 Waiver of Premiums Rider, Term Rider, Modified Surrender
Charge Rider and Over Loan Protection Rider
 Zero COI’s over age 100
 DB Options – Level, Increasing, Increasing to Level
 23 Five & Four-Star Morningstar rated funds
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
8
Protector VUL Fund Options
Asset
Management
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
9
Sun Life Product Portfolio
Sun Executive UL & VUL (Business Insurance)
 Business Owned OR Business SPONSORED
 High Target Premiums with Heaped Commissions

Trail commissions on UL and VUL beginning in year six
Sweet Spots
Underwriting
Flexibility

Ages 35 to 55
GI (guaranteed issue / ages 20 - 70): 10+ lives
Over-funding of Premiums
 XGI
issue
Short (simplified
to Moderate Funding

ages 20 - 75): 5+ lives
Scenarios
Full Medical
Underwriting (ages 20 – 80)
Cash Accumulations and
Income Generation
Accumulation Product Design
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
 Sun Executive UL & VUL Business Insurance (cont.)
 High First Year Cash Values
 No Surrender Charges
 Employer Sponsored
 Innovative Features
(at no additional cost)
1%
1%
9%America Benefit
 Assist
Bonus Plans
4%
Deferral Plans
 Charitable Giving Benefit
Rider
33%
9%
SERP
 Overloan Protection Rider
Key Person
Endorsement Split Dollar
 Term Blend
Buy / Sell
13%
GPT or CVAT design
Carve Out
ESOP
 Return of Premium
Sales Concepts
162 Bonus
Key Person
Non-Qualified
Deferred
Compensation
Buy-Sell
30%
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
11
Sun Executive VUL: 9 American Funds
Asset
Management
And for
Sun Executive
VUL
9 American Funds
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
12
Sun Life Product Portfolio
 Sun ProtectorPlus with LTC Rider
 Top Tier Player
 COI’s reduced 3 – 8% for ages 40–65

Very strong cash accumulation and low premiums !

Return of Premium
 Long Term Care
 Meet multiple client needs
 ‘One of a Kind’ Features
 Assist America Benefit
 Charitable Giving Benefit Rider
Protection
Value
Flexibility
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
13
Sun Life Product Portfolio
VUL – Futurity Accumulator II and Futurity Survivorship II
 Very strong cash accumulation
 Automatic 20 Year or Age 80 No-Lapse Guarantee
 Term Insurance Blend
 Wash Loans (beginning in year 11)
 Level and increasing death benefit options
 Optional Programs:
 Asset Allocation
 Dollar Cost Averaging
 Portfolio Rebalancing
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
14
Sun Life Product Portfolio
Charitable Giving Benefit Rider*
 Appeals
to affluent, philanthropic-minded clients
 Provides
 Payable
 Benefit
to one or more 501(c) Charities
= 1% of the Face Amount / Maximum = $100,000
 Selected
 Owner
a Death Benefit in addition to the base policy
at time of policy issue (can be changed)
may receive a tax deduction**
 Available
at no additional cost
*Not available in all states
**Owner should consult their own tax advisor
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
®
Assist America Benefit
A unique benefit for policy owners and their
immediate dependents
24/7 access to travel assistance
Available when traveling 100 miles or more away
from home, in the U.S. or Internationally
A worldwide network of 600,000+ medical
professionals
Access to U.S. quality care with hospital admission
guarantee
Affluent clients travel extensively for both pleasure & business
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
®
Assist America Benefit (cont.)
Services Offered Include:
Medical consultation, evaluation, referral and
case management
Emergency evacuation and medically supervised
repatriation
Prescription assistance
Lost luggage or document assistance
Legal and interpreter referrals
Emergency message transmission
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
Long Term Care Rider (only available on “Protector Plus”)
Accelerated Death Benefit
Coverage for:
 Nursing Home Care
 Home Health Care
 Assisted Living
 Adult Day Care
Benefit Period: 50+ months
90 day elimination
 NO elimination period
for Home Care!
Reimbursement Model
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
18
Sun Life Product Portfolio
Long Term Care Rider (cont.) Benefit Amounts
Simple options:
Maximum Benefit
Amount
Maximum Monthly Benefit
Amount
$250,000
$5,000 / month
$500,000
$10,000 / month
$1,000,000
$20,000 / month
Sun Life offers a residual
death benefit of $25,000 in the
event that the death benefit is
exhausted under the terms of
the rider.
The Long Term Care Rider is an “accelerated benefits rider” and makes payments based
on the reimbursement method allowing clients greater flexibility to extend
their 50 month reimbursement period, and potentially avoid the creation of taxable income.
The rider is available for all policies with face amounts greater than $250,000.
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
19
Sun Life Product Portfolio
1035 Backdating Advantages and Interest Crediting
 The benefits of the 1035/lump sum money is that it
is applied as of the policy’s effective date of
coverage (the backdated issue date,) and receives
up to 12 months of credited interest in the first
policy year
 The client receives a policy with a lower issue age
(by one year)
 The client receives the benefit of a lower single
premium at the younger issue age
 The premium is the same as if the client were
actually one year younger (age nearest)
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
Advanced Case Design Planning Tools
 Sun Solutions Plus and Sun Solutions Ascent
 Welis – Sun Executive Products
 Calculators
 Estate Annuity Max
 Municipal Bond Alternative
 Leveraged Credit Shelter Trust
 The Retirement NIMCRUT
 IRA Planning Analyzer
Turn-Key Marketing Programs
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
Sun Solutions Software (4.8.2)
Sun Solutions Ascent (1.5.1)
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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Sun Life Product Portfolio
THANK YOU
SLPC #19721 SLOC/SLUS/SLNY (12/08) Exp (6/10) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.
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