Sun Life Financial 40F 2024 Annual report | SLF Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	8th grade Avg

New words: AAM, ability, abreast, absence, ABSLAMC, absorbed, ACB, accelerate, accelerated, accelerating, accept, acceptable, acceptance, accepted, accepting, accessibility, accessible, Accessing, accident, accompanying, accomplish, accredited, accrete, accretion, accrue, accrued, accruing, accumulation, accurate, accurately, achieve, achieved, achieving, ACMA, acquire, acquired, acquisition, active, actively, activity, acuity, adapt, adaptation, add, addition, additional, additionally, addressing, adequacy, adequate, adequately, adherence, Aditya, adjudicated, adjudication, adjust, adjustable, adjusted, adjusting, adjustment, administer, administered, administration, administrative, advanced, advancing, advantage, adverse, adversely, advertising, advice, advisor, advisory, advocacy, affect, affected, affecting, affiliate, affiliated, affirmed, afford, affordability, affordable, aforementioned, age, agency, agenda, aggressively, agile, aging, agreed, agreement, ahead, AI, aided, aim, aimed, Alliance, allocate, allocated, allocating, allocation, alter, alternate, alternative, ambition, AMC, America, American, amortization, amortized, ANA, analyse, Annex, announced, annuitization, annuity, annum, anticipate, anticipated, API, app, appeal, appetite, applied, apply, applying, approach, approval, approve, approved, approving, approximate, approximated, approximately, approximating, arbitration, arise, arising, arrangement, array, arrive, Article, articulation, artificial, ASEAN, Asia, Asian, ASO, aspiration, aspire, assert, asset, assign, assigned, assist, assisting, assume, assumed, assuming, assumption, asthma, asymmetry, attack, attention, attract, attracting, attractive, attributable, attributed, AUA, audio, auditor, Aug, augmented, August, AUM, Australia, authentic, automated, automatic, automatically, automation, autonomy, average, averaging, avoid, avoided, avoiding, award, awarded, back, backed, backing, backup, balance, balanced, bancassurance, band, bank, bankruptcy, bar, Barometer, base, based, Basic, BBB, bear, bearing, began, beginning, behaviour, behavioural, belonging, benchmark, beneficial, beneficially, BentallGreenOak, Berhad, Bermuda, bespoke, BGO, bid, BIF, big, bilateral, Birla, block, blockchain, bold, bond, book, borrow, borrowed, borrower, borrowing, bottom, bottoming, brand, breach, breached, breadth, breakdown, bribery, bringing, broad, broaden, broadened, broadening, broader, broker, brokerage, brought, Brown, BSE, Budget, budgeting, buffer, build, building, buildup, built, buy, calculate, calculated, calculating, calculation, calibrated, calibration, calibre, California, call, called, Canadian, cancellation, cancelled, capability, capable, capacity, capture, care, career, carefully, caring, carried, carrier, carry, carryforward, carrying, case, cash, catastrophic, categorize, categorized, cautionary, CDCP, CDOR, CDS, CEA, cease, ceded, censure, central, centre, CEO, certainty, CFO, CGU, chain, challenge, challenging, chance, channel, character, charge, charged, Chatbot, Chief, Children, China, Chinese, CHIP, choice, choose, choosing, chosen, chronic, CIMB, civil, claim, Clarica, clarify, classified, clear, cleared, clearing, client, climate, clinic, clinical, closest, closure, cloud, CMG, CMHC, coaching, codified, cohort, cold, collaborate, collaboration, collateral, collateralize, collect, collected, collectible, collection, collective, collectively, combination, combine, combined, combining, comfortable, commenced, Commencing, commensurate, commercial, comparability, comparable, comparative, compared, comparing, comparison, compelling, compete, competition, competitive, complement, complex, complexity, compliance, compliant, complimentary, component, composed, Composite, composition, compound, comprehensive, compression, comprise, comprised, compromised, computer, computing, concentration, concluded, condition, confidence, confident, confidential, conflict, conflicting, Confronting, conjunction, consecutive, conservative, consideration, constant, constantly, constituent, constitute, constructed, constructing, consultation, consumer, contagion, contemplated, context, contingency, contingent, continually, continuation, continue, continued, continuing, continuity, continuously, continuum, contract, contracted, contractor, contractual, contrast, contributory, convened, convenient, conventional, Conversely, conversion, convert, convertible, converting, convexity, coordinated, core, correlation, corroborated, corruption, cost, Council, Countering, counterparty, country, coupled, coverage, CPCI, create, Created, creating, creation, credibility, credit, credited, crediting, creditor, Crescent, criminal, criteria, critical, CRO, crucial, CSA, CSAT, CSM, CSSB, cultivating, culture, cumulative, currency, curve, customary, customized, cutting, cyber, cybersecurity, cycle, Dah, daily, damage, DBS, deal, dealer, dealing, death, debt, decision, declaration, declared, decline, declining, decrease, decreased, dedicated, dedication, deductible, deduction, deem, deemed, deep, deepen, deepening, deeper, default, defence, deferral, deferred, degraded, degree, Delaware, delegated, deliver, delivered, delivering, delivery, demand, demographic, demonstrating, denominated, denominator, dental, dentalcare, DentaQuest, depend, dependence, dependent, depending, deploy, Deployed, deployment, deposit, depreciation, depressed, depth, derecognition, derecognize, derivative, derive, derived, description, design, designate, designated, designed, desirable, desired, detail, detailed, detect, detecting, deteriorate, deterioration, determination, determine, determined, determining, develop, developed, developing, development, DHA, Dialogue, differentiate, differentiated, difficult, difficulty, digital, Digitize, digitized, diligence, diligent, diluted, dilutive, diminution, direct, direction, Directive, directly, director, disability, disabled, disadvantage, disaggregation, disappoint, disaster, discipline, disciplined, disclosed, disclosing, discontinuance, discontinue, discontinuity, discount, discounted, discounting, discretionary, discriminatory, disease, disposal, dispose, dispute, disqualify, disrupt, disruption, disruptive, distinct, distinctive, distract, distribute, distributed, distribution, divergence, diverse, diversifiable, diversification, diversified, diversify, diversion, diversity, divest, divestiture, divided, dividend, dividing, document, documented, dollar, domestic, domiciled, Dow, downgrade, downgraded, downtime, drawn, DRIP, driven, drove, drug, due, durable, duration, dynamic, eApp, earlier, earliest, earn, earned, earning, ease, easier, easily, East, easy, EBITDA, ECL, economic, economically, economy, ecosystem, effect, effective, effectively, efficiency, efficient, efficiently, effort, eligible, eliminate, eliminated, elimination, embed, embedded, embedding, emphasizing, employ, employed, employee, empower, empowering, empowerment, enable, enabled, enablement, enabling, enact, enacted, enactment, encourage, Encouraging, endeavour, energy, enforced, enforcement, enjoyed, enrolled, Enrollment, ensure, ensuring, enter, entered, enterprise, entitled, entity, entrant, entrusted, environment, environmental, EPS, equal, equally, equipping, equity, equivalent, ERC, ERISA, escalating, escalation, ESG, essential, essentially, establish, established, establishing, Establishment, estate, estimate, estimated, ETF, EU, European, evaluate, evaluated, evaluating, evaluation, event, Everbright, evidence, evolution, evolve, evolving, exacerbate, exacerbated, examination, exceed, exceeding, excel, excellence, excellent, excelling, excessive, excise, exclude, excluded, excluding, exclusive, exempt, exercise, exercised, exist, existing, exiting, expand, expanded, expanding, expansion, expect, expectancy, expected, expense, expensive, experience, experienced, expert, expertise, explaining, explicit, explore, expose, exposed, exposure, expressed, expropriation, extensive, extent, external, externally, extraterritorially, extreme, extremely, face, facilitate, facility, facing, fact, factor, factored, facultative, fail, failed, failover, failure, fair, fairly, fall, falling, family, faster, favourable, FCF, FCT, FE, feasible, Fed, federal, federally, fee, fewer, field, fill, filling, final, finalized, finance, financing, finite, fintech, fiscal, fit, Fitch, fixed, flattening, flaw, flexibility, floating, flooding, flow, fluctuate, fluctuation, focused, focusing, footprint, force, forced, forcing, forecast, forecasted, foreign, formula, formulating, forward, foster, fostering, found, foundation, fourth, frame, framework, fraud, free, frequency, frequent, frequently, fulfill, fulfilling, fulfilment, full, fully, function, functional, fund, fundamental, funded, funding, future, FVOCI, FVTPL, gain, gaining, gap, gas, gathered, GDP, GenAI, general, generally, generate, generated, generating, generation, generative, Generator, genetic, geographic, geographically, geography, geopolitical, global, globally, globe, GMA, goal, good, Goodpath, goodwill, governmental, grace, grandfathering, grant, granted, greater, greatest, greenhouse, greenwashing, Grepa, grew, ground, group, grouped, grouping, grow, growing, GRS, guarantee, guaranteed, guide, guided, guideline, habit, hacking, half, handling, harbour, harm, harmonization, headcount, headquartered, health, healthcare, healthier, healthy, heart, heath, heavily, hedge, hedged, hedging, heighten, heightened, heritage, hierarchy, high, higher, highest, highlighted, highly, Hinge, hire, historical, history, hit, HNW, hold, holder, holding, holistic, homogeneity, Hong, hospital, housing, hurt, hybrid, IAS, IASB, iCapital, identical, identifiable, identified, identify, identifying, IFM, ii, iii, illiquid, illustrated, illustrative, imagery, impact, impacted, impactful, impacting, impair, impaired, impairment, implement, implementation, implemented, implementing, implied, imply, impose, imposed, imposing, inability, inaccurate, inadequate, inadvertent, inappropriate, incentive, inception, inclusion, inclusive, inclusivity, income, inconsistent, incorrect, increase, increased, increasing, increasingly, incredible, incremental, incur, incurred, indefinite, indemnification, indemnity, index, indexation, indexed, indexing, India, indirect, indirectly, individual, individually, Indonesia, inflation, Inflationary, inflow, influence, influenced, InfraRed, infrastructure, infusion, inherent, inherently, initial, initiated, initiative, innovating, innovation, innovative, input, inside, insight, insolvency, inspiring, instability, Institute, institution, institutional, instrument, insufficient, insurability, insurance, insured, insurer, intangible, Integrate, integrated, integrating, integration, integrity, intelligence, intend, intended, intense, intent, interest, interface, interim, interoperability, interpolated, interpret, interpretation, interpreted, interrelationship, interruption, intersect, intrinsic, introduce, introduced, introducing, introduction, inversion, invest, invested, investigation, investing, investment, investor, involve, involving, Ireland, ISDA, isolated, isolation, ISS, iv, ix, January, Japan, joint, Journal, journey, judgment, judicial, July, Kalsi, Khazanah, kidney, Kingdom, knowledge, Kong, Kuching, lack, landscape, language, lapse, large, largely, larger, largest, launch, launched, laundering, law, layered, lead, leader, leadership, leading, leakage, lease, leaseback, leasehold, leasing, leave, led, left, legacy, legal, legislation, legislative, lend, lending, length, lengthy, lessen, lesser, level, leverage, Leveraged, leveraging, levied, liability, library, LICAT, lifetime, likelihood, LIMRA, line, lineup, linked, liquid, liquidate, liquidity, list, listed, literacy, litigation, live, living, lnfraRed, loan, local, located, location, LOD, London, long, longer, longevity, lose, loved, low, lower, LP, Lumino, Luna, macro, macroeconomic, mailing, main, maintain, maintained, maintaining, maintenance, Malaysia, Malaysian, mandate, mandatory, manifest, manner, manual, manufacturing, March, margin, market, marketed, marketing, marketplace, master, match, matched, matching, material, materially, matter, maturing, maturity, maximize, maximum, meaningful, measurable, measure, measured, measurement, measuring, mechanism, media, Medicaid, medical, Medicare, medium, meet, meeting, member, membership, mental, Merger, met, method, methodology, mfs, Michigan, milestone, military, mindset, minimize, minimum, misleading, misuse, mitigate, mitigated, mitigating, mitigation, mix, mobile, model, modelling, modern, modernization, modernizing, modification, modified, modify, momentum, monetary, monitor, monitored, monitoring, monthly, Moody, morbidity, Morningstar, mortality, mortgage, motivate, move, moved, movement, MPF, MSK, multinational, multiple, municipal, muscle, musculoskeletal, mutual, MyRetirement, NAIC, narrowing, Nasional, national, nationalization, nationalized, Nationally, Nationwide, natural, nature, NAV, navigate, navigation, Navigator, NCIB, necessarily, negative, negatively, negotiated, net, netting, network, neutral, neutralize, newly, Niaga, North, notable, note, noted, noteholder, notice, notional, November, NSE, NYSE, objective, observability, observable, observed, obstructive, obtain, obtained, occupancy, occur, occurred, occurrence, occurring, OCI, October, offer, offered, offering, office, Officer, offline, offset, offsetting, ongoing, online, open, opened, opening, openly, operate, operating, operation, operational, operationalization, operationalizing, opinion, opportunity, opposite, optimistic, optimize, optimizing, option, optional, optionality, oral, order, Ordinance, organic, organization, organizational, organize, original, originally, ORSA, OSFI, OTC, outcome, outflow, outline, outlined, outlook, outperform, outreach, outsourced, outsourcing, overhead, overlay, overseeing, overseen, oversight, overview, owed, ownership, PAA, pace, package, paid, pain, pan, pandemic, paper, par, parallel, paramount, parent, parity, part, partial, partially, participate, participating, participation, partner, Partnered, partnership, party, passage, passed, passive, path, pattern, pay, payable, paying, payment, payout, peer, pending, penetration, pension, people, percentage, PERE, perform, performance, performed, performing, permissible, permit, persistency, personnel, perspective, pertain, pertaining, pharmacare, Pharmacy, philanthropy, Philippine, philosophy, Phoenix, Phong, physical, pillar, Pillway, PinnacleCare, pivotal, placement, plan, planned, Planner, planning, platform, Platinum, plausible, play, played, plc, pledge, point, polarization, policyholder, political, pool, pooling, poor, population, portfolio, portion, pose, posed, position, positioned, positioning, positive, positively, potential, potentially, power, powered, practice, precaution, predefined, predict, predictive, predominantly, premier, premise, premium, prepayment, prescribe, prescribed, prescription, presence, present, presentation, presented, preserving, President, pressure, prevailing, Preventistry, primarily, prior, prioritize, priority, privacy, private, proactive, proactively, proceed, processed, processing, product, productivity, profession, professionally, profile, profit, profitability, profitable, profitably, program, programmatic, programming, prohibited, project, projected, promote, promoting, properly, property, proportion, proportionate, proposal, proposed, proposition, proprietary, prospect, prospective, Prospr, protect, protecting, protection, prove, proven, provincial, provision, Provisional, prudent, prudential, PSE, publicly, publish, published, pulmonary, pure, purpose, pursue, pursuing, pursuit, push, put, qualified, qualify, qualifying, qualitative, quality, quantified, quantify, quantitative, quantity, quarter, quarterly, quartile, quickly, quoted, RA, random, Randy, range, rank, ranked, ranking, rapid, rapidly, ratio, reach, Reached, reaching, read, real, realization, realize, realized, realizing, reassessment, rebound, recapture, recent, recently, recession, reclassified, recognition, recognize, recognized, recognizing, recommendation, recommending, reconciliation, reconfirm, record, recorded, recoverable, recovered, recruitment, recurring, redeemed, redemption, redetermination, redomesticated, reduce, reduced, reducing, reduction, refinance, refine, refined, refinement, Reform, regime, region, regional, regular, regularly, regulatory, reimagining, reinsurance, reinsured, reinsurer, reinsuring, reinvest, reinvested, reinvestment, relationship, release, released, reliability, reliable, relieve, rely, remain, remaining, remediation, remove, removed, removing, remuneration, renegotiation, renewal, renewed, rental, reorganization, repaid, repay, repayment, replacement, replicate, replication, represent, representative, represented, representing, reprice, repriced, repricing, reproduce, Republic, repurchase, reputation, reputational, research, reserve, reshape, residency, residential, residing, residual, resilience, resiliency, resilient, resource, resourcing, Respiratory, response, responsibility, responsible, responsibly, restated, restructure, restructuring, result, resulted, resulting, resumption, retail, retain, retained, retaining, retention, retirement, retiring, retroceded, retrospectively, return, revenue, reverse, reversed, review, reviewed, reviewing, reward, Ride, risk, robotic, robust, ROE, role, rounded, rounding, row, run, safe, Safeguarding, safety, sale, satisfaction, satisfy, save, saving, savvy, scalability, scale, scenario, schedule, scope, score, Scotia, Scotiabank, scrutinized, scrutiny, seamlessly, sec, secondary, sector, Securian, securitization, securitized, seed, seek, seeking, segment, segregated, segregation, select, selected, selection, selectively, sell, seller, selling, senior, sensitive, sensitivity, separately, separation, September, sequence, serve, serving, set, settled, settlement, shape, shareholder, sheet, shift, shifting, short, shortened, show, shown, side, signature, significantly, Simfund, similar, similarly, simple, simplified, simplify, Sing, Singapore, single, situation, size, SLC, SLCSI, SLF, SLFD, SLGI, slower, slowly, small, smallest, smoothed, social, socioeconomic, software, solid, solution, solvency, Sonny, sound, source, Sourcing, sovereign, space, spanning, specialist, specialty, specific, Specifically, speed, spend, spending, spillover, sponsor, sponsored, Sponsoring, sponsorship, spot, spread, spur, stabilized, stable, stack, stake, stakeholder, standing, state, stated, statistical, statistically, statutory, stay, steadfast, steepening, steer, stochastic, storage, stored, straight, strategic, strategically, strategy, strength, strict, stringent, strive, stroke, strong, Study, subsequent, subsequently, subsidiary, substantial, substantially, substantiation, substantive, substantively, successful, successfully, succession, sufficient, suitable, suite, sum, summarize, summarized, summarizing, summary, SunWell, Superintendent, superior, supervised, supervision, supervisory, supplement, supplemental, supplementary, supplemented, support, supported, supporting, Supreme, surrender, surrendering, survey, survival, survivorship, susceptible, sustain, sustainability, sustainable, sustainably, sustained, sustaining, swap, switching, symbol, sync, synthetic, system, systematically, systemic, table, tactical, tailor, tailored, takaful, talent, tangible, target, targeted, targeting, tax, taxable, taxation, taxed, taxing, taxonomy, team, teamwork, technical, technique, technological, technology, telco, telemarketing, temporary, terminate, termination, terrorism, terrorist, test, tested, testing, text, theft, therapy, therefrom, thing, thought, thoughtful, threat, ticker, Tier, time, timely, timing, tolerance, tone, tool, top, topical, toxic, TPBank, track, Tracker, tracking, traditional, trailing, trained, training, transacting, transaction, transfer, transferred, transferring, transform, transformation, translate, translated, translation, transparency, transparent, Treadway, treasury, treat, treated, treatment, treaty, trend, TRICARE, trillion, tripling, tropical, Trump, TSX, turbulence, turn, turnaround, turnkey, twelve, TWPI, type, typical, typically, UK, ultimate, ultimately, unable, unadjusted, unanticipated, unauthorized, unavailable, uncalled, uncertain, uncertainty, uncover, undergo, underlying, undermining, underpin, underpinned, underserved, understand, understanding, understood, underwriting, underwritten, undetected, undiscounted, undue, unearned, unexpected, unfair, unfavourable, unhealthy, uniform, uninsured, uninvested, unique, universal, Universe, unlimited, unlock, unlocking, unmet, unobservable, unqualified, unrealized, unreasonable, unsecured, unsubstantiated, unsuccessful, unused, unusual, unusually, unwinding, upgrade, upholding, upper, urban, usage, utility, utilization, utilize, utilized, utilizing, valid, validated, validation, validity, valuable, valuation, variability, variable, variety, vary, venture, verify, Vermont, vertical, VFA, vi, viability, Vietnam, view, viewed, vii, viii, violate, virtual, virtually, visibility, vision, visit, volatile, volatility, volume, voluntary, vulnerable, waiting, waive, war, Wave, weakening, wealth, weather, weighted, weighting, Wellesley, wholly, wide, widening, wider, widespread, winning, Wipeout, withdrawal, withstand, Won, work, working, workplace, worksite, world, worldwide, worst, Wright, written, yield, young, Yuchengco

Removed: accountant, agent, Appointed, billed, chapter, check, Codification, communicated, complying, Consent, copy, covered, duly, Exhibit, filing, Floor, formatted, furnish, hereto, ID, incorporated, Inline, Kennedy, mark, Melissa, Ontario, PCAOB, person, referencing, registrant, registration, requested, shorter, Street, submitted, telephone, thereto, Title, titled, undersigned, Washington, website, XBRL, zip

Sun Life Financial (SLF) 40-F2024 FY Annual report (Canada)

Content analysis