Presenter name Presenter title START YOUR RETIREMENT JOURNEY SUN LIFETIME ADVANTAGE GIF

UNDERESTIMATING HOW LONG YOU’LL LIVE MARKET VOLATILITY RISKS IN RETIREMENT: FEWER WORKPLACE PENSION PLANS

Did you know? 98 % of Canadians want some of their retirement income guaranteed for life 1 And many Canadians are looking for investment growth and guaranteed income 2 1 Sun Life Canadian Unretirement Index % surveyed want potential investment growth and 50% want income adjusted for inflation, according to LIMRA - Finding the Right Mix: Retirement Income Attitudes and Preferences, 2014.

Retirement SUN LIFETIME ADVANTAGE GIF You are here!

BENEFITS FOR YOU AGENDA PRODUCT FEATURES HOW IT WORKS

BENEFITS FOR YOU

GROWTH & PROTECTION Income protected against market volatility Capture rising interest rates and positive market performance Insurance guarantees help protect your assets Wide range of segregated funds Hold up to 70% in equity funds

FLEXIBILITY & CONTROL Certainty in knowing minimum lifetime guaranteed income at future ages Control over when you want to take income Access to your money if needed* *Withdrawals will reduce future lifetime guaranteed income. Customize your portfolio to your risk tolerance

PRODUCT FEATURES

INCOME FEATURES Increase future lifetime guaranteed income through potential annual resets before electing income Lifetime guaranteed income available as early as age 50 Increase future lifetime guaranteed income each year income is deferred

INSURANCE FEATURES 75% death benefit guarantee* 75% maturity benefit guarantee* Efficient estate settlement * Reduced proportionately for withdrawals Potential creditor protection

HOW IT WORKS

SET Receive guaranteed income certainty through your initial investment. Future income will never be lower. THREE EASY STEPS

RESET Increase future lifetime guaranteed income through: Deferring income each year Potential automatic annual resets when interest rates rise and markets perform well THREE EASY STEPS SET

THREE EASY STEPS COLLECT When you decide to begin receiving retirement income, a potential final reset could increase your lifetime guaranteed income even further.* * Lifetime guaranteed income potentially increases based on positive market performance and rising interest rates. RESET SET

2 RESET 3 COLLECT 1 SET THREE EASY STEPS Minimum income amount Lifetime guaranteed incomeFinal reset Market value Annual income resets

Taking the right steps now toward your retirement will help ensure you’re prepared when you get there.

Sun Lifetime Advantage GIF is part of Money for Life, Sun Life Financial’s customized approach to financial and retirement planning* * * SUN LIFETIME ADVANTAGE GIF * Only advisors who hold CFP (Certified Financial Planner), CH.F.C (Chartered Financial Consultant), F.Pl. (Financial Planner in Quebec), or equivalent designations are certified as financial planners. * *

SUMMARY Sun Lifetime Advantage GIF BUILDING SAVINGS RETIREMENT INCOME GROWTH & PROTECTION FLEXIBILITY & CONTROL LIFETIME GUARANTEED INCOME

YOUR JOURNEY STARTS HERE! I’m here to help you work through your investment needs and goals so you can have the income you want, when you need it – for life.

THANK YOU QUESTIONS? This information was presented with the understanding that it is intended for information purposes only. No one should act upon the examples/information without a thorough examination of their legal/tax situation with their own professional advisors, after the facts of the specific case are considered. 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. Sun Life GIFs are individual variable annuity contracts issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2015.