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. The company operates in five segments: Sun Life Financial Canada, Sun Life Financial U.S., MFS Investment Management, Sun Life Financial Asia, and Corporate. It offers insurance products, such as universal life, term life, permanent life, participating life, critical illness, long-term care, and personal health insurance; savings and retirement products, including accumulation annuities, guaranteed investment certificates, payout annuities, mutual funds, and segregated funds; provides life, dental, drug, extended health care, disability, and critical illness benefit programs to employers; and voluntary benefit solutions, including post-employment life and health plans to individual plan members. The company also offers pension and retirement products and services, 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. In addition, it provides asset management services to individual and institutional investors, as well as independent financial advisors through mutual funds, separately managed accounts, and retirement plans; and 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, Australia, Singapore, Vietnam, and Bermuda. Sun Life Financial Inc. was founded in 1999 and is headquartered in Toronto, Canada.