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What is it?
Sun Life Financial Index MultiPoint is a tax-deferred, fixed index annuity that offers the potential for an enhanced rate of interest, linked to averaged increases in the S&P 500 Index®, combined with principal protection.
Key features include:
- Tax-deferred growth of any interest earnings,
- Interest earnings linked to positive increases in the S&P 500 Index,
- Protection against market risk (earnings will be taxable when withdrawn) 1, and
- A 100% guaranteed return of principal (if held to end of term). 1
Who may purchase it?
This annuity may be issued to people aged 85 and younger for non-qualified plans and aged 75 or younger for IRAs. These age limitations apply to the Owner, Joint Owner (if applicable) and Annuitant. Your financial professional can help you decide whether MultiPoint can fit with your overall retirement plan.
Time to get started.
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- Minimum initial payment: $10,000; no additional payments
- Choice of terms: 1, 5, 7, or 10-years (All terms may not be available at all times)
- Fees: There are no annual fees or charges as long as you hold the contract until the end of the term you selected.
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Where can I learn more?
For more information regarding Sun Life Financial Index MultiPoint fixed index annuity, please refer to the following materials:
MultiPoint Product Brochure
MultiPoint Rate Sheet
MultiPoint Product Manual
This product is not available in all states. |
1. Surrenders prior to the end of a term may result in a loss of some principal.
Sun Life Financial Index MultiPoint is a single-premium, fixed index annuity [form #SPDA(14)/CERT or SPDA(14)/IND], issued by Sun Life Assurance Company of Canada (U.S.) that provides interest earnings linked, based on a Participation Rate, to the performance of the S&P 500 Composite Stock Price Index, which does not include dividends. A fixed index annuity is not a substitute for a S&P 500-linked mutual fund or an equity investment.
Sun Life Financial, its distributors, and its respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor about any tax, accounting, or legal statements made herein.
Sun Life Financial Index MultiPoint is designed for long-term retirement planning and is issued by Sun Life Assurance Company of Canada (U.S.) (Wellesley Hills, MA), a member of the Sun Life Financial group of companies. All withdrawals of taxable amounts, including earnings, are subject to ordinary income tax and, may be subject to a 10% IRS tax penalty if taken prior to age 59½. For complete information, please request a Sales Kit. May not be available in all states.
"S&P 500®" is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Sun Life Assurance Company of Canada (U.S.). Sun Life Financial Index MultiPoint is not sponsored, endorsed, sold, or promoted by S&P and S&P makes no representation regarding the advisability of purchasing the Product.
Pennsylvania and New Jersey residents: Some materials you receive for Sun Life Financial Index MultiPoint may refer to this product as a fixed index annuity or an equity indexed annuity. These terms are interchangeable.
NOT FDIC/NCUA INSURED - MAY LOSE VALUE - NO BANK/CREDIT UNION GUARANTEE - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
SLPC 18636 (04/08) (Exp. 04/09)
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