a practical guide to helping you achieve a lifetime of financial security

Shedding light on

Life insurance

Learn more about:

Safeguardingyourlovedones

Protectingyourfuture

Ensuringyourdreamsliveon

about this guideThisbookletispartofaseriesdesignedtohelpyoucreateacomprehensiveplanforalifetimeoffinancialsecurity.

Itprovidesaclearandobjectiveoverviewofwhatyouneedtoknowaboutbuyinglifeinsurance.Findoutwholifeinsuranceisfor,howmuchisneededandthedifferenttypesavailabletochoosefrom–alongwithotherimportantconsiderationstomakewhendecidinghowtoprotectyouandyourfamily.

Tohelpyouunderstandthevariousinsuranceproductsandhowmuchyouneed,we’llpointyoutoafewonlineresourcesthroughoutthisbooklet.

table of contents

Why life insurance? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Who should have life insurance? . . . . . . . . . . . . . . . . . . . . . . . . 3

What about the insurance I already have? . . . . . . . . . . . . . . . 5

How much life insurance do I need? . . . . . . . . . . . . . . . . . . . . . 6

Which type of life insurance is right for me? . . . . . . . . . . . . . 8

Termlifeinsurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Permanentlifeinsurance. . . . . . . . . . . . . . . . . . . . . . . . . . 13

Universallifeinsurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Makethecomparison. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Customizeyourinsuranceprotection. . . . . . . . . . . . . .20

When should I re-evaluate my coverage? . . . . . . . . . . . . . . . 21

Myinsuranceevaluation(checklist) . . . . . . . . . . . . . . . . 21

Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

2

Why life insurance?

Life insuranceisawaytoprotectyourfamilyshouldtheunthinkablehappenandyoudieunexpectedly.Itcankeeptheirhopesanddreamsalivewhenyouarenolongerabletoprovideforthem.

Youbringsomuchmoretopeoples’livesthanjustafinancialcontribution.Butifyoucan’tbethere,lifeinsuranceletsyouleavesomethingbehindtohelpthoseimportanttoyou.

tHInGS to remember

Losingafamilyorhouseholdmemberoftenhasafinancialimpact.Thedeathbenefitfromalifeinsurancepolicycanhelpyourlovedonesavoidhavingtorelyonsavings,cashininvestmentsorevensellingyourhometocoverunexpectedexpenseslike:

Funeralcosts

Travelexpensestobringthefamilytogether

Replacinglostincomeandhealthbenefits

Childcareandeducationfees

Homemaintenance

Estateandlegalfees

Finalincometaxes

Outstandingdebtsandbillpayments

3

Who should have life insurance?

Theshortansweris,justabouteveryonehasaneedforlifeinsurance,nomatterwhatage–coverageisevenavailableforchildren.Ifyou’remarriedorsingle,whetheryouhavefamilymemberswhorelyonyoufinanciallyornot,chancesare,youmayneedlifeinsurance.

heads of householdsAsakeymemberofyourhousehold,youprovidecareandfinancialsecurity.Lifeinsuranceisawaytohelpensurehouseholdexpensesandcareneeds–likeyourchildren’seducation,yourspouse’sorpartner’sretirementorhelpforagingparents–continuetobetakencareof.

Evenifyou’resingle,lifeinsurancehelpsthoseresponsibleforyourestatetakecareofanybills,debtsandfinalexpenses.

homeownersYourhomeismoretoyourfamilythanjustaroofovertheirheads.Alifeinsurancedeathbenefitmaybeusedtomakemonthlymortgagepaymentsorevenpayoffamortgageentirely.Lifeinsurancecanprovideaddedreassurancethatyourfamilywillcontinuetohavethecomfortsofhome.

tIp

InCanada,thebenefitpaymentfromalifeinsurancepolicyispaiddirectlytotheperson(s)younameasbeneficiaryandisnottaxed.

Fact

Thedeath benefitofalifeinsurancepolicyistheamountofmoneypaidorduetobepaidwhenaninsuredpersondies.Thedeathbenefitispaid,taxfree,tothebeneficiarydesignatedbythepolicyowner.

4

business owners or partnersIfyouownabusiness,lifeinsurancecanhelpprotectyourestatefrombusinesscreditors,soyou’reabletoleaveyourlovedonesorbusinesspartnerswithexactlywhatyouintended.Lifeinsurancecanalsobeatax-effectivewaytohelptransferafamilybusinesstothenextgeneration.

Thelifeinsurancedeathbenefitmayalsobeusedtohelppayoffbusinessdebtsandotherfinancialobligations,helpingtoensurethatthebusinessyou’veworkedsohardtobuildwillcarryon.

those who think of othersLifeinsuranceoffersawaytogiveyourchildrenorgrandchildrensomethingfortheirfuture.Oruselifeinsurancetoleaveagenerousgifttoafavouritecharityorcause.

tIp

Anadvisorcanexplainhowtobuildaplanusingindividuallyownedinsurancetogetherwithothercoverageyoumayhaveatworkorasamemberofanassociation.

5

What about the insurance i already have?

Youmayalreadyhavesomelifeinsuranceinplacethroughyouremployeebenefitsorattachedtoyourmortgage.Thisisagoodstart,buthereareafewthingstokeepinmind:

Life insurance offered through your mortgage providerispaidtoyourlender,nottoyourfamily.Itonlycoverstheoutstandingbalanceofyourmortgage.Nothingisleftovertohelpyourfamilywiththeotherexpensestheymayface.

Life insurance through your employee benefitsisaveryaffordablewaytobeginyourlifeinsuranceprogram,butit’simportanttomakesurethiscoverageisenoughtomeetyourneeds.Youmaybeabletobuyadditionalcoverage,uptoamaximum,throughyouremployeeplan.Remember,thisinsurancedoesn’tgowithyouifyouchangeemployers,itendswhenyouretireandcanincreaseincosteachyearasyourageincreases.

take a cLoSer Look

Advantagesofapersonal,individuallyownedlifeinsurancepolicy:

Youselecttheamountofinsurancethatmeetsyourspecificneeds.

Youchoosethetypeoflifeinsuranceandanyoptionaltypesofbenefits(e.g.disability,coverageforfamilymembers,etc.)bestsuitedtoyourpersonalsituation.

Youownthepolicy.Yourcoveragecan’tbecancelled(e.g.byyourmortgagelenderoremployer)orchangedunlessyourequestit.

Youdon’thavetoworryaboutlosingyourcoverageifyouchangejobsorswitchmortgagelenders.

6

section a: expenses to cover

Mortgage $

Loans(creditcard,lineofcredit,carloan)

$

Finalexpenses $

Emergencyfund $

Educationfind $

Othercashneeds $

totaL expenSeS $

section b: income needs for your survivors

Annualincometobeleftforyoursurvivors(Werecommendaminimumof5years.)

$

totaL Income needS $

section c: your assets

Financialassets(cash,GICs,RRSPs,etc.) $

Personalassets(cottage,vehicles,etc.) $

Non-financialassets(businessassets,realestate,etc.)

$

Totallifeinsurance(personal,employer,mortgageinsurance)

$

totaL aSSetS $

HoW mucH LIFe InSurance do I need?

7

Totalexpenses(SectionA) $

Totalincomeneeded(SectionB) +$

Totalamountrequired(TotalAandB) =$

Totalassetsavailable(SectionC) -$

Extralifeinsuranceneededtomeetneeds =$

Your reSuLtS

tIp

Thischartassumesyourhomeisnotanassetyouwouldchoosetoselltoprovideforyoursurvivors.Also,youmaywanttothinkcarefullyaboutwhichofyourotherassetsyoumightwanttoexcludefromthoselistedinSectionC.

Formoreonlinetoolslikethisone,gotowww.sunlife.ca/myfinancialplan > tools

8

Which type of life insurance is right for me?

Todeveloptherightplantoprotectyourfamilyandyourestate,youfirstneedtounderstandthedifferentkindsoflifeinsurancecoverageavailableandthefeaturesandbenefitstheyoffer.

Perhapsyourneedsaresimpleandyouneedjustonetypeofinsurance.Or,youmayneedmorethanonetypeifyoursituationismorecomplex.

Keepinmindthatexaminingthedifferenttypesofinsurancewithanadvisoranddeterminingthepotentialadvantageseachoneholdsforyouisthebestwaytodeterminetheleveloffinancialsecurityyouneed.

Generallyspeaking,therearethreebasictypesoflifeinsurance:

Term

Permanent(orwholelife)

Universallife

9

term life insurance

What is it?

Termlifeinsurancecanprovideveryaffordableinsuranceprotectionbecauseitspremiumsareinitiallylowerthanotheralternatives.But,itscostwillincreaseovertimeanditdoesnotprovidelifetimecoverage.Itofferstheflexibilitytoadjustyourcoveragetosuityourchangingneedsovertime.

“ even though i’m young, healthy and single, anything can happen.

AndifsomethingdoeshappentomeIdon’twantmyparentstohavetopayoffmycreditcardsandanyotherexpenses.Lifeinsurancejustmakessense,evenatmyage.”

Anna, future executive

10

“ having a baby really puts life into perspective.

We’vesuddenlyrealizedthatifsomethinghappenstooneofus,howwouldthemortgagegetpaid?Whowouldlookafteroursonordaughter?Canjustonepersonsaveenoughforauniversityeducation?Wewanttomakesurewe’rereadyforanything.”

Daniel & Julie, expecting parents

How does it work?

Youselectthetermthatcoversthetimeyouneedtemporarycoverage.Dependingontheinsurancecompany,manyoptionsareavailable,including:

shortcoverageperiodsoflessthantenyears.

longercoverageperiodsof20yearsandmore.

someoffertheabilitytorenewtermsuptoage75or80.

Yourpremiumsareguaranteedtostaythesameforthetermyouchoose.Afeaturecalledrenewabilityallowsyoutorenewyourcoverageforadditionaltermsatanincreasedpremiumlevel.Youdon’tneedtoprovideneworadditionalhealthormedicalinformation.Thedeathbenefit(i.e.theamountofinsurance)remainsthesameaslongasyoucontinuetorenewunlessyouchoosetoreduceit.

11

Wejusttookoutalineofcredittobuya30-footsailboatandnowwefeellikewe’reinour20sagain.Thisisourtimetoshine.”

Doug & Cathy, contented retirees

“ Whoever called retirement “the golden years” was definitely a very wise person.

Who buys it?

Peoplewhowantaffordableprotectiontocoveratemporary,oftenlarge,needlikeamortgageorbusinessloan.Italsooffersasolutionforbusinessownerswhowanttoprotectagainstthelossofakeypersonintheirbusiness.

tIp

A key person maybeanowner,partneroremployeewhoisvitaltothesuccessofyourbusiness.

12

Yes no

IneedtoprotectsometemporaryobligationsIhave(e.g.,child’seducation,amortgage,businessloan).

Ineedanaffordableinsuranceoptionnow,butunderstandthatthismaymeanmypremiumswillincreaseasIgetolder.

MybudgetwilldeterminehowmuchcoverageIcanafford.

If you answered yes to many of these questions, term life insurance may be the right choice for you .

IS term LIFe InSurance rIGHt For me?

dId You knoW?

Mostterminsurancehasaconvertibilityfeaturethatletsyouswitchtopermanentinsurancewithouthavingtore-qualifybygivingnewmedicalevidence.

13

“ When my husband died, it was like losing a part of myself.

ButitreallyhelpedthathislifeinsurancecoveragemeantIwasabletoaffordtostayinthehomewesharedfor30years.AndI’mgladIdon’thavetorelyonthekidstosupportmefinancially.”

Sonia, independent woman

permanent life insurance

What is it?

Permanentlifeinsurance(alsocalledwholelifeinsurance)isjustthat.Aslongasyoupaythepremiums,yourlifeinsurancestaysineffect,nomatterwhatyourageorhealth.That’swhythistypeofinsuranceisoftencalled“wholelifeinsurance.”

Fact

Premiums arethepaymentsyoumakeinexchangeforyourlifeinsurancepolicy.

14

How does it work?

Withpermanentlifeinsurance,youcanchoosetokeepyourpremiumsthesameeveryyear.Youcangetaguaranteeofthepremiumswhenthepolicyisfirstpurchased.Incontrast,thecostofterminsurancecanrisemoredramaticallyinlateryears.

Mostpermanentinsuranceincludesafeaturecalledcashvalue.It’ssimilartoequityinyourhome–itgrowsovertimeandyoucantakealoanagainstitoruseitascollateral.Youmayalsowithdrawyourcashvalue,butthisusuallyrequiresyoutogiveupyourinsurancecoverage.

Who buys it?

Permanentlifeinsurancetypicallyappealstopeoplewhodon’tlikesurprises.Theywanttheassurancethattheircoverageisguaranteedforaslongastheylive.Theyalsowanttoknowexactlyhowmuchtheywillpayfortheirinsuranceeachyearandforhowlong.

“ things are a lot different now than when we were first married.

Mostcouplestodaybothwork,andeventhenitcanbetoughtoputawaysavings.Wewanttomakesureweleaveenoughbehindsoourfivegrandkidsareabletogetagoodeducationandaheadstartontheirfutures.Lifeinsurancewillhelpusdothat.”

Ron & Meredith, proud grandparents

15

Yes no

IwantmylifeinsuranceguaranteedforaslongasIlive.

WhenIdie,Iwantmylifeinsurancetopayforallmyfinalexpenses,includingestatetaxes.

IwantastablebaseofinsurancethatIcanbuildonifIchoose.

Iwantthesecurityofhavingasetpremiumthatdoesn’tchange,nomatterwhatmyageis,orhowmyhealthchanges.

Iwantapolicythatwillbuildmoneyovertimeandletmeborrowagainstitincaseofanemergency.

If you answered yes to many of these questions, then permanent life insurance may be the right choice for you .

IS permanent LIFe InSurance rIGHt For me?

dId You knoW?

Therearedifferenttypesofpermanentinsuranceplans.Someallowyoutomakeyourpaymentsoverashorterperiodoftimebutprovidelifetimeprotection.

16

“ With both of us doing well in our careers, we have the luxury of maxing out our yearly rrsp contributions.

We’reworkinghardnowsowecanaffordtoretireearly,andhavingalifeinsurancepolicythatletsusmaketax-deferredinvestmentstakesusonestepclosertogettingthere.”

Michael & Kimberly, smart investors

universal life insurance

What is it?

Universallifeinsuranceisauniqueblendofterminsurance,permanentinsuranceandasavingsaccount.Yougettheadvantagesoftheaffordabilityofatermplan,thepotentiallifetimeprotectionofpermanentinsuranceandtheadvantageoftax-deferredsavingsgrowthwithinthelifeinsurancepolicy.

How does it work?

Insteadofbeingdirectedonlytopayforthecostofinsurance,yourpaymentispaidintowhatiscalledapolicyfund.Thepolicyfundisusedto

dId You knoW?

Sometypesoflifeinsuranceprovidetax-deferredsavingsorinvestmentopportunities.Seepages14and16formoredetails.

17

“ my business partner and i bought a shared policy that covers both of us and protects the business in the event something happens to one of us.

Thecompanywouldreceiveatax-freedeathbenefitandweusethepolicyfundtohelpsaveforretirement.It’skindofcomplicatedbutouradvisormadeiteasy.”

Tamara, new business owner

payforyourcostofinsurancenow,whiletheremainingbalanceisinvestedonatax-deferredbasis.Mostuniversallifepoliciesofferavarietyofinvestmentaccountchoicestosuityourobjectivesandtoleranceforrisk.

Dependingonthesizeofthepaymentsyoumakeandhowwellyourinvestmentaccountsdo,thepolicyfundvaluecanbeusedtohelppayyourfuturecostofinsuranceortoprovideasourceofadditionalsavings.Youcanwithdraworborrowfromthepolicyfund,butthismayimpactyourinsurancecoverage.Youmayalsomakeextrapaymentsintothepolicyfund,uptocertainlimits,toincreaseyourtax-deferredsavings.

Fact

Thepolicy fundiswhereyourpaymentsearninterestbasedontheinvestmentaccountoptionsyouchoose.Thecostofyourinsuranceisdeductedfromthisfundandwhateverisleftovergrowstax-deferred.

18

Withuniversallifeinsurance,theamountofthedeathbenefitcanbeflexible.Youcanchoosetohavethedeathbenefitstaythesameoryoucanchoosetohaveitincreaseovertime.Itdependsonhowmuchyoupayintoandwithdrawfromthepolicyfundovertheyearsandhowwellyourinvestmentaccountsperform.

Who buys it?

Universallifecoverageisagoodchoiceforpeoplewhowantatax-effectivewaytosavefortheirretirementoutsideofanRRSPorpensionplan,ortobuildupthevalueoftheestatetheywanttopassontotheirlovedones. It can also be a smart choice for individuals with a large estate that they want to preserve and pass on.

Yes no

IwantflexiblepaymentsIcanincreaseordecrease,dependingonhowmuchmoneyIhaveavailable.

IwantthemostpotentialforthemoneyIpayintothepolicytomakemoneyforme.

I’dliketheabilitytochoosewheremymoneyisinvested,whileknowingthatthisbringsbothrisksandgrowthopportunities.

I’dliketheoptiontoborrowmoneyfrommylifeinsurancepolicytosupplementmyretirementincome.

I’vemaximizedmyRRSPcontributionsandaminterestedinothertax-deferredsavingsoptions.

If you answered yes to many of these questions, then universal life insurance may be the right choice for you .

IS unIVerSaL LIFe InSurance rIGHt For me?

19

term insurance permanent insurance

universal life insurance

details Lowcost,temporaryprotectionfortimesofhighfinancialrisk(e.g.whenyouhaveamortgage)

Stablelifelongprotection

Amoreflexiblebutintricatetypeofinsurancethatcombineslong-termlifeinsurancewithanopportunityfortax-deferredsavings

duration Coveragewillendatacertainage

Guaranteedlifetimeprotection

Typicallylifetimeprotection

amount of insurance

Oncechosen,doesn’tchange

Oncechosen,doesn’tchange

Choiceoflevelorincreasingamountofinsurance

cost Lowestinitialcost,butcostincreaseseach5,10or20years

Typicallyguaranteednottochangebutsomeproductsareadjustable

Costoftheinsurancemaybe:

guaranteed•andlevel,increaseeach•year,orbea•combinationofboth

cash value None Acashvalueusuallyaccumulatesandispaidtoyouuponcancellation

Paymentsmadeinadditiontorequiredcostofinsurancepaymentscanbeinvestedandgrowtax-deferred

make tHe comparISon

20

customize your insurance protectionMostinsurancecompaniesoffersimilarproductfeaturesandoptionalbenefitstocompleteyourprotectionplan.Askanadvisoraboutwhichoptionsmaybesuitedtoyourneeds.

term insurance–youcancombineterminsurancewithpermanentoruniversallifetotemporarilyprotectyou,yourspouse,afamilymemberorbusinesspartnerforatemporaryneed.

accidental death coverage–increasesthedeathbenefitpaidtoyourbeneficiaryifyoudieastheresultofanaccident.

coverage for children–putscoverageinplacewhenthechildrenareyoungerandpositionsthemtotakeovertheirpolicyoncetheybecomeadults.Dependingonthecoveragechosenthechildrenmayevenbeabletoincreasetheircoverage,regardlessofchangesinhealthorotherriskfactors.

critical illness insurance–paysalumpsumbenefittoyouifyouarediagnosedwithoneoftheillnessescoveredsuchasheartdiseaseorcancer.

Living benefit–maymakeaportionofthedeathbenefitavailableinadvanceifyouarediagnosedwithaterminalillness.

Waiver of premium–youdon’thavetopayyourpremiumsifyoubecomedisabledandunabletoearnanincome.

Guaranteed insurability–letsyouincreaseyourlifeinsurancecoverageamountwithouthavingtoprovethatyouareingoodhealth.

21

When should i re-evaluate my coverage?

You’rewisetoconsidermakinglifeinsuranceapartofyourfinancialplan.Butsincelifekeepschanging,it’simportanttoreviewyourcoveragetomakesureyoualwayshavetheprotectionyouandyourfamilyneed,whenyouneedit.

Reviewyourcoveragewheneveryouexperienceamajorlifeevent,oratleastevery2years.

Since my last life insurance review (or coming up in the near future):

Ihavechangedmymaritalstatus.

Ihaveaddedtomyfamily(includinggrandchildren).

Ihavechildrenthatarereadytobegintheirownfinancialplan.

Ihaveboughtahome.

Ihaveamortgagethatisrenewing(renewaldateis____________________).

Ihaveacquiredapersonalorbusinessloan.

Ihavechangedjobs.

Ihavestarted/joinedanewbusiness.

Inolongerhavegroupbenefitsatwork.

Ihavequitsmoking.

Ihavenotupdatedmywillorpowerofattorney.

Iwanttochangethebeneficiaryononeormoreofmylifeinsurancepolicies.

mY InSurance eVaLuatIon

22

glossary

accidental death benefit –increasesthedeathbenefitpaidtoyourbeneficiaryifyoudieaccidentally.

beneficiary–person(s)youchoosetoreceiveaninheritance.Forexample,thebeneficiaryofyourlifeinsurancepolicywillbepaidtheamountofthedeathbenefit.

cash value –theportionofthemoney,beyondwhatyoupayforyourcostofinsurance,thatgrowswithinyourpolicyonatax-deferredbasis.Youcanusuallyborrowagainstthisvalueand,insomecases,anyremainingamountispaidtothebeneficiary.

cost of insurance–theamountyoupaytocoverthecostofinsuranceforallbasicinsurancebenefitsandanyadditionalbenefitsincludedinthepolicy.

coverage for children–providesasmallbenefitifoneofyourchildrendiesbutalsogivesyourchildrentheabilitytoobtainlifetimecoverage.Theymayevenbeabletoincreasetheircoveragewhenthechildrenbecomeadults,regardlessofchangesinhealthorotherriskfactors.

death benefit–theamountofmoneypaidorduetobepaidontheinsuredperson’sdeath.

evidence of insurability–mayincludemedical,financial,lifestyle,andfamilymedicalhistoryinformationandotherpersonalhistoryinformationneededtoapproveyourapplicationforlifeinsurance.

Guaranteed insurability–letsyouincreaseyourcoverageamount,withouthavingtoprovethatyouareingoodhealth.

key person–abusinessowner,partneroremployeewhoisvitaltothesuccessofthebusinessbecausetheyprovidemoneytosupportitsoperation,contributespecialskills,orboth.

23

Living benefit–payspartofthedeathbenefitinadvanceifyouarediagnosedwithaterminalillness.Thisisusuallyadiscretionarypaymentmadebytheinsurancecompanyandisnotnormallyfoundinyourpolicy.

permanent life insurance–provideslifetimecoverageeventhoughyoupaypremiumsforonlyapre-determinedperiodoftime.Aslongasyourpremiumsarepaid,yourlifeinsurancestaysineffect,nomatterwhatyourageorhealth.Mostpermanentlifeinsurancepolicieshaveacashvaluethatgrowsovertime,almostlikeasavingsaccount.

policy anniversary–thedateeveryyearthatyourpolicybecameeffective.

policy fund –whereyourpaymentsearninterestbasedontheinvestmentaccountoptionsyouchoose.Thecostofyourinsuranceisdeductedfromthisfundandwhateverisleft-overgrowstax-deferred.

premium –themonthlyorannualpaymentsyoumakeinexchangeforyourlifeinsurancepolicy.

term insurance benefit–givesyoutheabilitytoaddterminsurancetoapermanentoruniversallifepolicytoprotectyou,yourspouse,afamilymemberorbusinesspartnerforatemporaryneed.

term life insurance–providestemporaryinsuranceprotection.

universal life insurance–combinespermanentinsuranceprotectionplustheabilitytomakeinvestmentsthatgrowtax-deferredwithinthepolicy.

Waiver of premium–ifyoubecomedisabledandunabletoearnanincome,yourcoveragecontinues,thoughyoudon’thavetopayyourpremiums.

tHInGS to remember

MoreinformationisavailablethroughtheCanadianLifeandHealthInsuranceAssociation,anon-profit,non-salesorganization.CalltheirConsumerAssistanceCentreat1-800-268-8099orvisittheirwebsitewww.clhia.ca.

Want to learn more? AskyouradvisorforcopiesoftheotherSunLifeFinancialpublicationsinthisseriesorvisitwww.sunlife.ca/myfinancialplan.

protect what you cherish most – the people you love. Oneofthefewthingswecandependoninlifeischange.Thebestwaytoprepareforchangeistoplanforit.

Havingtherightlifeinsuranceprotectionisanimportantpartofthatplan.Becauseiftheunexpectedhappens,youcanbecertainthepeopleyoulovearewelltakencareof.

©SunLifeAssuranceCompanyofCanada,2009.

810-3461-02-09

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