Equity-Indexed Annuities: 2% More Worth? Find Out!

1. Equity-Indexed Annuities What’s 2% more Worth? …The Answer May Surprise You…

2. Example • $50,000 single payment • No withdrawals • 3.5% vs. 5.5%

3. Hypothetical example illustrates effect of compounding at the stated rates of returns. It does not represent the performance of any savings vehicle and does not guarantee future results. Taxes in an annuity are paid when the money is withdrawn. All withdrawals of earnings are subject to ordinary income tax and withdrawals made prior to age 59 ½, may incur a 10% federal tax penalty.

4. In other words, this 2% difference ($12,810) could mean: 32 car payments at $400/month! 4 weeks vacation at $3,000/week! 10 years of holiday shopping at $1,200/season!

5. Consider how an Equity-Indexed Annuitycould help.…Your Money is guaranteed** to grow!

6. What is an equity-indexed annuity? Equity-indexed annuities combine aspects of well-known financial vehicles as well as insurance-related benefits, including income options and death benefits. Link to an equity index Principal Protection* Tax Deferral Contractual guarantees are based on claims-paying ability of the insurance company you invest with. *Principal (less withdrawals) is guaranteed if held to the later of the contract term’s end or surrender charge period.

7. Link to an Equity-Index • Interest earnings are linked to positive changes in the S&P 500 Index. • When the S&P 500 Index goes up, so do your interest earnings.* • If the Index drops, your principal is protected by your minimum guarantee. Past equity-indexed changes are no guarantee of future equity-indexed changes. The S&P 500 Index does not include dividend earnings so neither the S&P 500 Index nor any equity-indexed annuity is comparable to a direct investment in the equity markets.*Depending on product design and features, interest earnings may not increase as fast or as much as the underlying index to which those interest earnings are linked.

8. How Performance is Calculated • Indexing Method – The way the increase, if any, in the account value is calculated. • Participation Rate – Thisrate determines how much of the increase in the S&P 500 Index will be used to calculate any interest earnings. Remember, at a minimum, your principal is guaranteed if you hold the contract to the end of its term. It is important to understand these features and how they work together to calculate your interest. Please read the annuity product fact brochure and Product Manual carefully and speak with your financial consultant if you have questions about any features of your Sun Life Financial equity-indexed annuity. **Principal is guaranteed if held to the later of the contract term’s end or surrender charge period. This guarantee is backed by the claims-paying ability the insurance company you invest with.

9. Principal Protection The Equity – based Indexed Annuity insurance company guarantees your principal (less any prior withdrawals), so while you may benefit from a portion of the Index’s performance, you have little downside risk.* *Guarantee is based on claims-paying ability of the insurer issuing the contract.

10. Tax deferral • You don’t pay taxes on your interest earnings until withdrawn. • Tax-deferral allows your savings to grow faster. Annuities have no additional tax deferral benefit when they are purchased as an Individual Retirement Annuity (IRA) or through some other tax-qualified retirement plan since funds used to purchase the contract are already afforded tax-deferred status. Annuities offer other features and benefits that are important for long-term goals, such as retirement planning. Withdrawals of taxable amounts may be subject to income tax and may also be subject to a 10% IRS penalty tax if withdrawn before age 591⁄2.

11. Equity-indexed annuities offer: • a link to positive changes in the S&P 500 Index, which means the potential to earn even more • principal protection (less any prior withdrawals)* • a minimum guarantee, regardless of S&P 500 Index performance • tax-deferred growth potential • income options to meet your specific needs • a death benefit that guarantees your beneficiaries receive 100% of your annuity’s indexed value Annuities have no additional tax deferral benefit when they are purchased as an Individual Retirement Annuity (IRA) or through some other tax-qualified retirement plan since funds used to purchase the contract are already afforded tax-deferred status. However, annuities offer other features and benefits, such as access to money, income options for retirement, and a death benefit. *There will be a minimum guarantee on your premium payment. Surrender value will not be less than required by the state in which the contract is issued. Principal is guaranteed if held to the later of the contract term’s end or surrender charge period. Guarantee is based on claims-paying ability of the insurance company you invest with.

12. Financial Strength Is Important! Our Partnerships With Various Insurance Companies Consistently Receive Top-Ratings With The Industry’s Most Respected Independent Rating Companies: A.M. Best & Standard and Poor 1 Outlook stable * Rating also applies to counterparty credit risk