RRSP 里买美股的限制？
- 主题发起人 小珊瑚
- 开始时间
Sun Life’s very strong capital position
Sun Life has a robust, diversified balance sheet and a very sophisticated approach to risk management. These two very important financial pillars support our company’s overallstrength during these challenging economic times.
One measure business analysts in Canada use to help determine the strength of a company is the Minimum Continuing Capital and Surplus Requirements (MCCSR).This is the capital the Office of the Superintendent of Financial Institutions (OSFI) requires us to have to provide further protection for our clients. Sun Life Assurance Company of Canada holds capital exceeding regulatory minimums.
What makes us a strong, well-capitalized company?
To ensure we’re positioned to deliver on our long-term obligations to our clients, we have:
Best estimate value of policyholder benefits: We hold assets equal to our best estimate of the cost of our obligations based on claims experience, expenses, investment returns, taxes, policy lapses, etc. In most scenarios, that pays for the policyholder’s claim when it comes due.
Provisions for adverse deviations: We hold additional assets to cover situations different from expected factors; for example, if interest rates aren’t as high, if the claims experience is higher, or if equity markets perform more poorly than expected.
Capital: We hold capital in excess of amounts required to comply with OSFI requirements based on our reserves and investment assets.
Collectively, the best estimate value of policyholder benefits and the provisions for adverse deviations constitute our reserves.
Focusing on our clients
Our clients are looking for strong capitalization. They want protection and assurances that Sun Life is going to be there to support the policies they’ve purchased. These important building blocks have cemented our solid financial foundation:
capitalin excess of the regulatory requirements
additional capital from the CI Financial transaction
prudent risk management practices
a strong balance sheet.
Communicating the strength of stability of Sun Life to our clients is critical, and who is better able to complete that task successfully than you? When you clearly and factually explain to clients why Sun Life is a safe place to invest their money and buy insurance, you help investors and policyholders gain confidence in the financial products they hold with us. By using the PDF
