Sun Life Financial, Inc., a diversified financial services company, provides a range of life and health insurance, savings, investment management, retirement, and pension products and services to individuals and corporate customers in Canada, the United States, the United Kingdom, and Asia. Its products include individual life insurance, individual annuity and saving products, group life and health insurance, group pension and retirement products, mutual funds, asset management services, individual health insurance, and reinsurance-life retrocession. The company also operates mutual fund and investment management businesses, primarily in Canada, the United States, and Asia. Sun Life Financial distributes its products through direct sales agents, independent and managing general agents, financial intermediaries, banks, pension and benefit consultants, and direct sales. The company was incorporated in 1999 and is headquartered in Toronto, Canada.