MFS Architect Advantage

Please be aware that Sun Life Financial International will no longer accept additional purchase or investment payments into the annuity or investment contracts listed below after the close of business on September 30, 2014.

MFS Architect
MFS Architect Advantage
MFS Architect Advantage Plus
MFS Architect Flagship
MFS Secured Legacy
Sun Secured Advantage

Please note: As of December 31, 2008, we are no longer accepting new applications. However existing accounts will continue to be serviced and additional payments will be accepted.

Effective, April 1st, 2013, please note that upon election of Step-Up on your account, the annual fee for the program will increase to 2.05%. Please consult with your Financial Advisor or our Client Service team if you have any questions.

Certificate Designation

Individual Ownership
Offshore company or trust ownership

Variable Sub-Accounts¹

A wide variety of equity, fixed-income, and capital preservation funds designed to help meet your needs

Fixed Account²

Guaranteed principal and interest²
Guarantee periods of: 5 and 7 years
Dollar-cost averaging programs: 12-month, 6-month³

Purchase Payments

$5,000 (U.S.) subsequent
Maximum: $5 million (U.S.)

Purchase Payments that cause the Account Value to exceed the maximum are subject to review and approval by Sun Life Assurance Company of Canada.

Charges

There is no initial sales charge
The base annual asset charge on the Variable Sub-Accounts is 1.65%
There are two Optional Product Features (these features cannot be combined):
- 7 Year Principal Protection Plus Program: 0.90% annual fee deducted from the Account on a quarterly basis (in addition to the base annual asset charge of 1.65%)
- 10 Year Principal Protection Plus Program: 0.60% annual fee deducted from the Account on a quarterly basis (in addition to the base annual asset charge of 1.65%)
Declining Contingent Deferred Sales Charge on withdrawals of Purchase Payments in a Certificate for less than seven Account Years: 7%, 6%, 6%, 6%, 5%, 4%, 3%, 0%
Annual $100 (U.S.) account fee waived if:
- entire Account Value invested in fixed account for entire previous Account Year, or
- total Account Value is $100,000 (U.S.) or greater on Account Anniversary

Access to Money

Withdrawals that are not subject to withdrawal charge are:

Each year, during the first seven Account Years of the Purchase Payment, the greater of:
- 10% total Purchase Payments, or
- the previous year's account earnings⁴
After seven complete account years of a Purchase Payment, it is 100% free

Transfers

Transfers are permitted subject to the terms and restrictions as outlined in the MFS Architect Advantage Specimen Certificate and the Essential Information and Product Disclosure document
Transfers from the fixed account are subject to a Market Value Adjustment

Market Value Adjustment (MVA)

Amounts transferred or withdrawn from the fixed account prior to the applicable renewal date may be decreased or increased based on the relationship between the current interest rate applicable to the balance of the guarantee period and the interest rate that is actually credited to the guarantee amount being transferred or withdrawn. A market value adjustment may affect principal.

Guaranteed Accelerated Contract Payment Liability⁵

Protects beneficiary against any loss of principal, as described below. Pays greatest of:

100% of Purchase Payments, adjusted for withdrawals (payments and transfers allocated to the Variable Sub-Account will accumulate at a 5% annual rate of return up to youngest Designated Participant's 80th birthday)
Account Value on Accelerated Contract Payment Liability Date
Maximum Account Value on any Account Anniversary (prior to youngest Designated Participant's 81st birthday) adjusted for any subsequent Purchase Payments or Withdrawals
Cash Surrender Value on Accelerated Contract Payment Liability Date
Account Value on the Seventh-Year Anniversary immediately preceding the Accelerated Contract Payment Liability Date adjusted for subsequent Purchase Payments and withdrawals

Principal Protection Plus Program

(Choice of 7 or 10 years)

Participants who select the Principal Protection Plus Program are guaranteed that on their Program Maturity Date, if their account value is less than the Principal Protection Plus Amount (PPP Amount), a credit will be made to bring the Account Value up to the PPP Amount. If the Account Value is higher than the PPP Amount, we will credit the Account with the PPP charges that were deducted from the Account. For a complete description of the charges, benefits (including the step-up feature, revocation, and renewal), and restrictions on this Optional Product Feature, please refer to the MFS Architect Advantage Specimen Certificate and the Essential Information and Product Disclosure document.

Optional Programs

Dollar-Cost Averaging Program³
Secured Future Program®
Portfolio Rebalancing Program
Interest Out Program
- Interest earned in the current Account Year in the fixed account may be withdrawn or exchanged into any variable account without a market value adjustment
Asset Allocation Program⁶
- Participant may choose to participate in allocation models made up of MFS Meridian Funds from MFS only or made up of funds from a variety of fund managers

Sun Life Assurance Company of Canada

Sun Life Assurance Company of Canada has consistently received high ratings from the major ratings agencies for its financial strength and claims-paying ability. For current ratings please visit www.sunlife.com.

The Variable Sub-Accounts, Product Options, and Optional Programs your client chooses should correspond to your client’s financial needs, goals, and risk tolerance.

SLB-2884 0218 Exp. 0220

Related resources

Forms & marketing material

Funds & performance

Interest rates

Essential information and product disclosure

Optional programs

Principal Protection Plus

Asset allocation

Dollar cost averaging

Portfolio rebalancing

Systematic withdrawal

¹The values of the Variable Sub-Accounts will fluctuate with current market, regulatory, economic or political developments and, when redeemed, may be worth more or less than their original value. Please see the funds' prospectuses for the detailed explanations of each fund's investment objectives, policies, strategies, permitted investments, associated risks, charges and expenses.

²Principal and interest in the Guaranteed Interest Periods are backed by the claims-paying ability of Sun Life Assurance Company of Canada when investments are held to the full length of the Guarantee Period. Transfers and Withdrawals involving the Guaranteed Interest Periods may subject principal and interest to a Market Value Adjustment.

³Dollar-Cost Averaging does not assure a profit nor does it protect against a loss in declining markets. The first transfer occurs when we receive the Investment. An investor should consider his/her ability to continue purchases in periods of low prices. The value of the Variable Sub-Accounts will fluctuate with market conditions and, when redeemed, may be worth more or less than their original value.

⁴Withdrawals in an account year in excess of the free amount are subject to the Contingent Deferred Sales Charge, plus or minus a Market Value Adjustment on funds in a Guaranteed Interest Period.

⁵If the Designated Participant was age 86 or older on the Issue Date, the Accelerated Contract Payment Liability is the cash surrender value. Withdrawals will affect the amount of the Accelerated Contract Payment Liability on a basis proportional to the reduction in Account Value brought about by such withdrawal. For details, please see the MFS Architect Advantage Essential Information and Product Disclosure document or the Specimen Certificate.

⁶Asset Allocation does not assure a profit and does not protect against a loss in declining markets. The asset allocation models selected should correspond to your financial needs, goals, and risk tolerance. For assistance in determining your financial situation, please talk to your financial consultant.

MFS Architect Advantage is a designated investment contract under the laws of Bermuda and is offered by MFS and Sun Life Assurance Company of Canada. Both companies are members of the Sun Life Financial group of companies. Unless otherwise indicated, logos, product and service names are trademarks of MFS and its affiliates and may be registered in certain countries.

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