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	AA² Very Strong	Aa3³ Excellent	A+³ Superior	IC-1
Sun Life Assurance Company of Canada (U.S.)	AA² Very strong	Aa3² Excellent	A+³ Superior
Sun Life Insurance and Annuity Company of New York	AA² Very strong	^_NR	A+³ Superior
Independence Life and Annuity Company	AA² Very strong	^_NR	A³ Excellent
Sun Life Hong Kong Limited	A+³ Strong	^_NR	^_NR
Sun Life and Health Insurance Company (U.S.)	^_NR	^_NR	A³ Excellent
	Standard & Poor’s Insurance Credit Report [PDF, 20 pages, 144 KB]	Moody's Credit Analysis [PDF, 19 pages, 336 KB]	A.M. Best [PDF, 15 pages, 125 KB]

¹ Financial strength ratings
²Negative outlook
³Outlook stable
^NRThese 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	AA-		AA (low)

Subordinated Deferrable Debentures

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

Preferred Shares

	Standard & Poor’s	Moody’s	DBRS
Sun Life Financial Inc	A- / P-1 (low)	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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* For shareholders in the U.K., this service is available for share certificate holders only. Contact Capita Registrars Ltd if you have a share ownership account.

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