Advanced Markets Group | R E T I R E M E N T

Advanced Markets Group

RETIREMENT PLANNING

Supplemental Retirement Income Planning

Using Variable Universal Life Insurance
CLIENT PROFILE
 Age 35 to 55
 Has a need for life insurance
 Concerned about retirement funds
 Maxed out contributions to qualified pension plan(s)

FINANCIAL CONCERN
You understand the importance of saving for retirement. When you are allocating the maximum allowable
contributions to qualified pensions, profit sharing plans, or 401(k) plans, and you want more, what can
you do? You need ways to enhance retirement income, while protecting financial futures… yours and your
loved ones.

POSSIBLE SOLUTION

PLANNING
Consider a Sun Life Financial Variable Universal Life (VUL) insurance policy for the opportunity to
accumulate retirement funds, while offering death benefit protection for loved ones.

STRATEGY
Client Purchases VUL

Client purchases and retains ownership of a Sun Life Financial

VUL policy with face amount and payments individually
established. A 162 Bonus Plan may be an employer option to
help fund the Supplemental Retirement Plan.

During Life Upon Death

Cash value can be accessed through withdrawals, surrenders, The federal income tax-free death benefit2 can help loved
and loans. Properly structured, these distributions may be ones maintain their standard of living.
free of federal income taxes.1

QUESTIONS FOR YOU

1. What are your greatest concerns about your retirement plan?
2. At what level are you contributing to a tax-qualified plan?
3. What have you done to ensure that the maximum amount of your wealth will pass to loved ones?
1
Partial surrenders or loans will effect policy proceeds and account value and may be subject to income tax. Policy loans will incur
interest. If the policy is classified as a Modified Endowment Contract under IRS rules, distributions are generally subject to income
taxes and a federal tax penalty if made before age 59½. Taxes may be incurred if policy is allowed to lapse before maturity.
2
Policy death benefit will be received income tax-free provided there has not been a transfer for value; benefits may be received estate tax-
free if the policy has been gifted to an Irrevocable Trust more than three years before the insured’s death.

SLPC 19207 08/08

Exp. Date 08/09
XMSD 44/176
Page 1 of 2
PRODUCT OF CHOICE
Sun Life Financial Sun Protector VUL offers:
 Tax-deferred cash value accumulation. Variable universal life insurance policies are subject to market risks, including
possible loss of principal. When accessing policy values, policy holders may receive more or less than they invested.
 Tax-free income available through a combination of policy withdrawals and loans.1,2,3
 Income tax-free death benefit to help maintain the lifestyle of loved ones.1,2
 A wide range of investment options from some of the nation's top managers.
 Flexibility of premium payments, within policy limits, to meet changing needs.
 Life insurance policy distributions generally without penalty available before age 59½, and no required minimum
distribution at age 70½.1

STRENGTH AND SECURITY OF SUN LIFE FINANCIAL

Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide. To help
individuals, small businesses, and corporations plan for and achieve financial security, Sun Life Financial
provides a diverse range of wealth accumulation and protection products and services.

NOTES
______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

Variable universal life insurance policies are subject to market risks, including possible loss of principal. When accessing policy values, policy holders
3

may receive more or less than they invested.

This information contains references to concepts that have significant legal, accounting and tax implications. It is not intended as legal, accounting
or tax advice. Clients should consult with their own financial and tax advisor regarding the application of these concepts to any particular situation.
Variable Universal Life Insurance products are issued by Sun Life Assurance Company of Canada (U.S.), and distributed through our affiliated broker-
dealer, Sun Life Financial distributors, Inc. Variable Universal Life Insurance products are offered by prospectus. Customers should request a
prospectus, which provides more details about charges and expenses, and review it carefully before investing.
Not FDIC/NCUA insured. May lose value. No bank/credit union guarantee. Not a deposit. Not insured by any federal
government entity.
All guarantees are based on the claims-paying ability of the issuing company, Sun Life Assurance Company of Canada (U.S.) (Wellesley Hills, MA), or
in New York, Sun Life Insurance and Annuity Company of New York (New York, NY). Both are members of the Sun Life Financial group of companies.
©2008 Sun Life Assurance Company of Canada. All rights reserved. Sun Life Financial and the globe symbol are registered
trademarks of Sun Life Assurance Company of Canada

SLPC 19207 08/08

Exp. Date 08/09
XMSD 44/176
Page 2 of 2