Secured Legacy Fixed

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

Secured Legacy is a unique investment product registered in Bermuda.

Secured Legacy may not be sold in the United States nor to citizens or residents of the United States or to residents of Bermuda or Canada. Other restrictions may apply.

Professional Management Sun Life Financial Investments (Bermuda) Ltd. (SLFI)

• A member of Sun Life Financial group of companies, SLFI is a subsidiary of Sun Life Assurance Company of Canada
• SLFI issues the Secured Legacy Agreement
• SLFI guarantees the Accelerated Contract Payment Liability

Butterfield Trust (Bermuda) Limited

• Formed in 1968
• Wholly owned subsidiary of The Bank of N.T. Butterfield & Son Limited
• Provider of trust and custody services

Agreement Designation

• Individual ownership
• Offshore company or trust ownership

Guarantee Periods¹

• Guarantee periods of 5 and 7 years

Investments

• Minimum: $50,000 (U.S.) initial, $10,000 (U.S.) subsequent
• Maximum: $5 million (U.S.) Investments that cause the Account Value to exceed the maximum are subject to review and approval by Sun Life Financial Investments (Bermuda) Ltd.

Charges

The product offers a 5-year declining Contingent Deferred Sales Charge (CDSC). There is no initial sales charge.

The declining Contingent Deferred Sales Charge is based on the number of years the account is open (7%, 7%, 6%, 6%, 5%). This charge ends at the end of the fifth Account Year regardless of subsequent Investments.

Access to Money

During the initial five Account Years, up to 10% of total Investments can be withdrawn each year without a Contingent Deferred Sales Charge².

Early Withdrawal Adjustment (EWA)

Amounts withdrawn from the Guarantee Period(s) prior to the applicable renewal date may be decreased or increased on the basis of the relationship between the current interest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of the Guarantee Period and the interest rate that is actually credited to the Guarantee Amount being transferred or withdrawn. An Early Withdrawal Adjustment may affect principal.

Accelerated Contract Payment Liability (ACPL)

This feature protects the Indirect Participant(s) against any loss of the investment, as defined below, if the Designated Participant dies prior to the Target Maturity Date and the Indirect Participant elects to receive the ACPL. The ACPL is greatest of:

• Account Value on ACPL date
• Cash surrender value on ACPL date

SLB-2861 0218 Exp. 0220