Sun Life tries to stay on the sunny side of life and life insurance. The company offers insurance and wealth management products to individuals and business entities, primarily in Canada and the US. It also has operations in Asia, Europe, and the UK. Sun Life's products include individual and group life and health insurance, individual annuities, group pensions, mutual funds, and asset management services. The US subsidiaries include Massachusetts Financial Services (or MFS Investment Management). Sun Life's products and services are distributed through direct and independent sales agents, as well as banks and consultants.