Sun Life Financial Inc., an international financial services organization, provides a range of protection and wealth accumulation products and services to individuals and corporate customers. Its Individual Insurance & Investments business unit offers insurance products, such as universal life, term life, permanent life, participating life, critical illness, long-term care, and personal health insurance; and savings and retirement products, which include accumulation annuities, guaranteed investment certificates, payout annuities, mutual funds, and segregated funds. The company’s Group Benefits business unit provides life, dental, drug, extended health care, disability, and critical illness benefit programs to employers; and voluntary benefits, including post-employment life and health plans to individual plan members. Its Group Retirement Services business unit offers retirement services and products, including investment-only segregated funds and fixed rate annuities, stock plans, group life annuities, pensioner payroll services, guaranteed minimum withdrawal benefits, and solutions for de-risking defined benefit pension plans. The company also provides asset management services for corporate retirement plans, separate accounts, public or government funds, and insurance company assets to institutional clients; and advisory services to individual investors. In addition, it offers run-off reinsurance services. The company markets and distributes its products through its own sales force and third-party distribution channels, as well as through partnership with independent advisors and benefits consultants in Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, and Bermuda. Sun Life Financial Inc. was founded in 1999 and is headquartered in Toronto, Canada.