newratings.com  Nov 12  Comment 
OTTAWA (dpa-AFX) - Sun Life Assurance Company of Canada, a wholly owned subsidiary of Sun Life Financial Inc. (SLF.TO, SLF) and PVI Holdings announced an agreement for Sun Life to increase its equity ownership in PVI Sun Life Insurance Company...
Market Intelligence Center  Sep 29  Comment 
After Monday’s trading in Sun Life Financial Inc. (SLF) the algorithms behind MarketIntelligenceCenter.com's Artifical Intelligence Center picked out a trade that offers a 3.20% or 8.17% (for comparison purposes only), while providing 7.33%...
TheStreet.com  Sep 10  Comment 
NEW YORK (TheStreet) -- Sun Life Financial   has agreed to buy an employee-benefits business from insurance provider Assurant  , creating the sixth-largest group benefits business in the U.S. Sun Life's net investment will be $975...
MarketWatch  Sep 9  Comment 
Sun Life Financial Inc. agreed to buy the employee-benefits business of Assurant Inc. in a complicated transaction valued at $975 million, the latest sign of consolidation in the insurance industry.
newratings.com  Aug 25  Comment 
OTTAWA (dpa-AFX) - Sun Life Financial Inc. (SLF, SLF.TO) is in talks to buy Assurant Inc.'s (AIZ) employee-benefits unit, Bloomberg reported citing people familiar with the matter. A deal valuing the unit at as much as $900 million could be...


Sun Life Financial (NYSE: SLF) is a financial services firm based in Canada. SLF provides investment management, savings, pension, and health insurance products to both individual and corporate clients. As an insurance provider, SLF will seek to profit from increasing insurance demand due to the aging "baby boomer" population. In addition, the firm's large portfolio of assets make it at risk to fluctuating interest rates.

Business Overview

In the past fiscal year, Sun Life incurred declines in both revenue and net income.[1] For the current fiscal year, SLF is expecting to have low volatility and continue to have high dividend rates.[2]

Trends and Forces

Aging US Population Causes Shift in Insurance Demand

The "baby boomer" generation is heading towards retirement, which is expected to create robust demand for various insurance and wealth accumulation products. Increased longevity means that that this group will need to generate enough wealth to last decades into retirement. As a top insurance company with strong brand recognition and a diversified portfolio of products, SLF is very well positioned to take advantage of this demographic shift.

Sun Life's Portfolio is Sensitive to Interest Rate Risk.

Interest rates will affect any firm involved in any type of investment or firm that issues corporate debt or equity. Changes in the interest rate will invariably change the fundamental values of both equity and debt, since the fundamental value of debt is determined by the time weighted average of payments discounted by current short or long interest rates, and the fundamental value of equity is determined by the value of a firm today along with any projects in the future discounted by some factor over the risk free interest rate. Sun Life's large assets makes it particularly effected by the interest rate.



  1. SLF 2010 Annual Report
  2. Bloomberg, "Fitch Affirms Sun Life Financial Inc's Ratings; Outlook Stable," 06/22/2011
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