Advancing your wealth

The goal: advancing your wealth

“How do we continue to build our wealth while paying for the best possible education for our children?”

Creating wealth is one thing. But truly advancing it is a different matter altogether, with its own set of challenges, opportunities and decisions. To face them with confidence, you need a plan that supports your unique needs, aspirations and situation—even as they evolve over time.


Meet Lucia and Carlos Lopez

The Lopez family
  • The situationOpen or Close

    Lucia and Carlos Lopez have worked with their financial professional to create and maintain a well-diversified portfolio and they’ve seen their wealth blossom over recent years.

    They want their wealth to pay for the best education, from elementary to graduate schools, for their three young children. But it’s an expensive proposition—Lucia and Carlos, with guidance from their financial professional, estimate that at least USD 2 million will be required to provide their children with superior educational opportunities, wherever in the world they may be.

  • The challengeOpen or Close

    While Lucia and Carlos know they have the liquid financial assets to pay for upcoming educational costs, they also seek to build more wealth for themselves so they can pass on as much as they can to their family. That makes it critical for them to pursue growth opportunities with returns that may outpace ever-rising educational costs and help them accumulate greater wealth. They also recognize the need to be able to pay for their children’s education, potentially over decades, if anything were to happen to Carlos.

  • The solutionOpen or Close

    A universal life (UL) insurance product with a cash value that can be accessed to protect Carlos’s future earnings and provide replacement income may help Lucia and Carlos:

    • Pass on as much as they can to their children efficiently.
    • Ensure their children have access to liquid assets for education and other expenses if anything happens to Carlos.

The Sun Life Financial group of companies operates under the "Sun Life Financial" name. Sun Life Financial Inc., the publicly traded holding company for the Sun Life Financial group of companies, is not a product offering company and is not the guarantor of the obligations of its subsidiaries.

Life insurance products available through the international offshore business based in Bermuda are offered by Sun Life Assurance Company of Canada (Bermuda Branch). These products may not be sold in the United States, nor to citizens or residents of the United States, nor to residents of Bermuda or Canada.

Wealth and Investment products through the international offshore business based in Bermuda were issued by, and supported by the financial strength and claims paying ability of, Sun Life Financial Investments (Bermuda) Ltd. ("SLFIB"). Certain payment obligations of some products issued by SLFIB are supported by a guarantee in its favor by its parent company, Sun Life Assurance Company of Canada; see product offering document(s) for details. Among other restrictions, these products were not available for sale in the United States, nor to citizens or residents of the United States or Canada, nor to residents of Bermuda. SLFIB no longer markets the Wealth and Investment products, having discontinued new sales as of December 2015.

In certain communications, the company may be referred to as "Sun Life Financial International" strictly as a marketing name and no legal significance is expressed or implied.

Sun Life Financial Investments (Bermuda) Ltd., Hamilton, Bermuda, is regulated and licensed to conduct Investment Business by the Bermuda Monetary Authority under Bermuda's Investment Business Act.

The information and scenarios described herein are not intended as legal or tax advice. Tax treatment of offshore products has not been determined under the tax legislation applicable to you or any individual investor. Legal and tax consequences that may be applicable in any relevant jurisdiction will need to be considered for each investor's situation. Investors should consult with their tax advisors regarding the ownership of offshore products prior to investing.

SLB 2334 0718 exp. 0720