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Futurity Protector II is available with a variety of riders and benefits, allowing you to tailor your policy to better meet your income protection needs. (Not all riders and benefits are available in all states.)
- Supplemental Insurance Rider - Provides a cost effective way to obtain additional insurance coverage until age 100.
- No-Lapse Guarantee Period - Included at no extra charge and for your added protection. This feature ensures your policy will stay in force until the earlier of 20 years or age 80 (but not less than five years), regardless of the performance of the underlying investment options, as long as you pay the minimum monthly premium specified in your policy.1
- Waiver of Monthly Deductions Rider - Waives all of the monthly deductions should you become totally disabled.
- Payment of Stipulated Amount Rider - Ensures that premium payments, in the amount that you have selected, will be made should you become totally disabled.
- Accidental Death Benefit Rider - Provides an additional death benefit should you die by accidental means.
- Accelerated Benefit Rider - Included at no extra charge, allows you to access a portion of the face amount in advance should you become terminally ill.
Charges and Fees2
A premium charge of 5.25% is deducted from premium payments to pay the sales load and taxes.3
A mortality and expense risk charge of .60% annually for years 1-10, decreasing to .10% thereafter, is deducted each month from the account value.3
An expense charge of $8.00, plus a per $1,000 rate for 10 years from policy issue or face amount increase, and the cost of insurance (including the cost of any supplemental benefits) are deducted monthly from the account value.
In the event you surrender the policy, or decrease the specified face amount, within 12 years from issue or the date of any face amount increase (but not beyond age 95) surrender charges will be deducted from the account value.
The performance of your Futurity Protector II policy will reflect the fees and charges of the underlying funds. Please see the product and underlying fund prospectuses for complete details.
Ready to find out more? Get in touch with an insurance professional in your area for more information on Sun Life Assurance Company of Canada (U.S.) products and a thorough analysis of your needs.
1 Guaranteed protection may end due to the amount and timing of loans and partial withdrawals or through non-payment of
premiums. If the no-lapse guarantee period ends and there are insufficient cash values, the policy will lapse unless additional
premiums are paid.
2 Please see the prospectus for more details, including all charges and expenses. After age 100, only the underlying fund expenses
are reflected.
3 Charges are subject to change. The premium charge is guaranteed not to exceed 7.25%. The mortality and expense risk charge is
guaranteed not to exceed .60% in years 1-10 and .10% thereafter.
05/01 SLPC 6972
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