We’ve built our business on managing risks like economic changes


As the world responds to the COVID-19 health and financial crisis, we know there are many questions about where Sun Life stands financially. We’ve built the foundation of our business on managing risks that may happen due to economic changes. We also have 155 years worth of experience to back it up.

Sun Life is resilient

The best measurement of Sun Life’s financial strength is through our:

  • Capital position
  • Risk framework
  • Financial strength ratings
  • Strong earnings performance and payment of dividends out of these earnings

You can feel comforted during this difficult time knowing:

  • We’re in a very strong capital position. We have a healthy level of capital to meet our financial commitments to Clients.
    • The Life Insurance Capital Adequacy Test (LICAT) ratio measures a company’s ability to meet its obligations. It’s one of several indicators used by Office of the Superintendent of Financial Institutions (OSFI) to assess an insurer’s financial condition. The minimum required is 90%. Sun Life’s LICAT ratio is 143% – well above the minimum.(LICAT ratio is for SLF Inc. as at December 31, 2019.)
  • We have a diversified business. With multiple product lines and services and operations around the world, we’re a diverse organization.
    • This helps us prevent over-exposure in any one market or region.
    • This diversity is also important to ongoing success, especially during challenging economic times.
  • We’re leading in financial ratings. We’re proud to say that Sun Life’s ratings as a public life insurance company are among the best in North America. Our best in class ratings show Sun Life’s risk practices and strong financial flexibility.

Help reassure Clients

Clients trust us to protect their family and savings. They may wonder if Sun Life is going to be there for them. Help reassure Clients that Sun Life is resilient. Consider sharing this email with clients. It helps explain how we’re here for them – today and in the future.

As an advisor, the value of your advice has never been more important. You can feel good knowing Clients are safe with Sun Life.

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