Sun Life Financial Keyport Value Fixed Annuity

What is it?
Sun Life Financial Keyport Value* is a fixed annuity that can give you the predictability you are looking for and may help offset risks associated with investments based on the stock market.

Key features include:

  • the certainty and predictability of a guaranteed interest rate for a set time period (5, 6, or 7 years),1,2
  • the opportunity to earn more with bonus interest rate options and an extra bonus rate when the account value is at least $50,000,
  • tax-deferred growth of any earnings to maximize your money and minimize the taxes you owe (earnings are taxable when withdrawn),3
  • guaranteed return of purchase payments (less withdrawals) at anytime,1
  • access to a portion of your money, if or when you need it,4 and
  • income options that can help manage your retirement income.

Sun Life Financial's Keyport Value fixed annuity can be a key part of your retirement strategy, helping to create the retirement lifestyle you dream about.

Who may purchase it?
In all states except New York, this annuity may be issued to people who are aged

  • 90 or younger for the non-qualified 5-year plan only, and
  • 85 or younger for the 6- and 7-year plans and qualified plans.

In New York, this annuity may be issued to people aged

  • 85 or younger for the 5-year plan,
  • 84 or younger for the 6-year plan, and
  • 83 or younger for the 7-year plan.

Time to get started.
  • Minimum initial payment: $5,000 for all plans; If premium is split between terms, a minimum of 10% of premium must be allocated to each term.
  • Additional purchase payments: Can be made at any time ($100 minimum)

Where can I learn more?
Please refer to the product brochure and rate sheet for more detailed information about the Sun Life Financial Keyport Value fixed annuity.



* Product name in New York is "Sun Life Financial Keyport Value NY."

1. Guarantees are based on the claims-paying ability of the issuing insurance company. 2. This annuity has a 5-, 6-, and 7-year term - meaning your base rate is guaranteed for the length of the chosen term. The effective annual interest rate for each premium will be declared from time to time by the Company and is guaranteed for the length of the chosen Term. Upon renewal, you will receive the annual rate in effect at that point in time. That rate will not be less than the guaranteed minimum interest rate stated in your contract. Once issued, the guaranteed minimum rate for the contract will never change.
3. The benefits of tax deferral in an annuity do not apply to contracts purchased as an Individual Retirement Annuity (IRA) or inside some other tax-qualified retirement plan because these plans already have tax-deferred status. Therefore, you should buy an annuity in such plans only if you value the lifetime income or beneficiary protection features that an annuity offers.
4. Keyport Value is subject to a surrender charge schedule based on the chosen term. All withdrawals of taxable amounts, including earnings, are taxable as ordinary income and, if taken prior to age 59½, may be subject to a 10% federal tax penalty. Withdrawals made in excess of the free withdrawal amount may be subject to a positive or negative market value adjustment. The amount received may be adjusted upward or downward depending on changes in current interest rates.

Annuities are long-term financial vehicles designed for retirement purposes. May not be available in all states; product features may vary by state. This policy has limitations.

Sun Life Financial, its distributors, and its respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein are not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. You should consult your own independent advisor about any tax, accounting, or legal statements made herein.

Sun Life Financial Keyport Value flexible-premium deferred annuity (form #FPDA (7)/MVA) is issued by Sun Life Assurance Company of Canada (U.S.) (Wellesley Hills, MA) in all states except New York. In New York, the contract (Sun Life Financial Keyport Value New York [form #FPDA(7)/MVA/CERT/NY]) is issued by Sun Life Insurance and Annuity Company of New York (New York, NY).

NOT FDIC/NCUA INSURED - MAY LOSE VALUE- NO BANK/CREDIT UNION GUARANTEE - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY



SLPC 20784 (08/09) (Exp. 02/11)

Rate Sheet


© 2010 Sun Life Assurance Company of Canada (US). All rights reserved.