GIFS

• Value of insurance guarantees at a competitive price
• Variety of investment options at various risk levels
• Create customized portfolios

Benefits include:

• Guarantees at a competitive price
  No matter what life stage, Clients have a valuable savings option with guarantees at a fair price.
• 100% equity
  Maximize potential growth by holding up to 100% in equity funds in a broad fund lineup, including various asset classes ranging from money market to specialty equity to meet many risk tolerances.
• Diverse leading fund companies
  Choice of a broad selection of funds, with access to investments from leading global portfolio managers.
• Access to money
  Clients have access to their money if needed.*
  *Withdrawals affect the value of contract guarantees.
• Private Client Pricing
  Affluent Clients can choose from a wide range of investment options with competitive fees.

• Simple product with lifetime guaranteed income
• Can provide immediate income
• Conservative investment protected with insurance guarantees

Benefits include:

• Guaranteed income for life
  Give Clients peace of mind with the certainty of guaranteed income for life. Lifetime income also increases for every year they defer their income start date.
• Strategic Income Fund
  This fund’s objective is the generation of lifetime guaranteed income, so its investment focus is on secure, investment-grade fixed income investments. Visit Sun GIF Solutions Strategic Income for more details.
• Flexible income start date
  Clients can decide when they want to start income, they don't need to make a decision in advance.
• Leading edge illustration tool
  Show Clients how different guarantee series in Sun GIF Solutions can address their retirement income needs by adding and customizing transactions.

• Clients can grow their estate value and are protected with insurance guarantees

Benefits include:

• 100% death benefit guarantee
  The death benefit guarantee is 100% of deposits⁴ and is the greater of the death benefit guarantee or the current market value upon the death of the annuitant.
• Annual death benefit resets
  Estate value is automatically locked-in annually up to age 80 if the market value increases, so Clients’ money has nowhere to go but up⁴.
• Diverse leading fund companies
  Clients can hold up to 100% in equity funds and choose from a broad selection of funds, They can benefit from the investment expertise of leading global portfolio managers.
• Control over legacy settlement
  Clients' assets are distributed according to their wishes, with options to allocate money directly to a beneficiary through a lump sum or a payout annuity. For more information, review  Simplifying family dynamics with the legacy settlement option.
• Private Client Pricing
  Affluent Clients can choose from a wide range of investment options with competitive fees.

⁴ Withdrawals affect the value of contract guarantees.