1. Sun Life Financial receives an upgrade from 'hold' to 'buy' due to its 4% dividend yield and dividend growth, indicating sustainability and further potential. 2. Q3 results show signs of top-line growth from insurance premiums and client asset fees, with a profit margin surpassing key peers. 3. The company's 'A' credit rating and low debt-to-equity ratio present a low-risk profile for investors. Despite competition from large financial and insurance giants, the company is making growth strides in Asia.