Ratings

At Sun Life, we’re proud of our consistently solid ratings. Independent rating agencies use rigorous criteria to assess our financial strength and stability. Our ratings reflect our strong capital strength, operating performance and exceptional market position.

What does it mean to you? You can count on us to meet our financial obligations to our policyholders. And that means peace of mind for our investors and customers.

Financial Strength Ratings (FSR)/Claims Paying Ability

	Standard & Poor’s	Moody’s	A.M. Best	DBRS
Sun Life Assurance Company of Canada	AA-1 Very Strong	Aa31 Excellent	A+1 Superior	IC-1
Sun Life Assurance Company of Canada (U.S.)	AA-1 Very strong	Aa32 Excellent	A+1 Superior
Sun Life Insurance and Annuity Company of New York	AA-1 Very strong	_NR	A+1 Superior
Independence Life and Annuity Company	AA-1 Very strong	_NR	A1 Excellent
Sun Life Hong Kong Limited	A+1 Strong	_NR	_NR
Sun Life and Health Insurance Company (U.S.)	_NR	_NR	A1 Excellent
	Standard & Poor’s Global Credit Portal RatingsDirect® [PDF, 21 pages, 517 KB]	Moody's Credit Analysis [PDF, 15 pages, 504 KB]		DBRS [PDF, 15 pages, 310 KB]

¹Outlook stable
² Negative outlook
^NR These subsidiaries are not rated

Senior Unsecured Debenture Ratings

	Standard & Poor’s	Moody’s	DBRS
Sun Life Financial Inc	A		AA (low)

Subordinated Unsecured Debentures

	Standard & Poor’s	Moody’s	DBRS
Sun Life Financial Inc	A-		A (High)
Sun Life Assurance Company of Canada	A+		AA (low)

Subordinated Deferrable Debentures

	Standard & Poor’s	Moody’s	DBRS
Sun Life Assurance Company of Canada	A	A2	AA (low)

Preferred Shares

	Standard & Poor’s	Moody’s	DBRS
Sun Life Financial Inc	BBB+ / P-2 (high)	Baa2	Pfd-1 (low)

Sun Life ExchangeEable Capital Securities

	Standard & Poor’s	Moody’s	DBRS
Sun Life Capital Trust	A	A3	A (high)

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