Sun Life Insurance
When you and your family need a targeted financial solution, Sun Life provides a portfolio of smart life insurance plans that let you customize the benefits you need to the plan you want. With a range of available life insurance options including term life, whole life, and universal life products; Sun Life is able to create a plan that works for you.
Sun Life offers the following insurance plans:
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Basic | 25 years or to age 65 | Ages 18 to 50 | Guaranteed rates for the period chosen. Available up to $500,000 in coverage. |
| SunSpectrum Term | 1, 5, 10, 15, and 20 year terms | Ages 0 to 79 | Renewable and Convertible without a medical exam. Rates are guaranteed for the length chosen. |
| SunTerm | 5, 10, 20 year terms | Ages 18 to 70 | Intended for higher coverage needs. Rates are guaranteed for length chosen, and is renewable and convertible without a medical exam. |
| FutureInsure Term Life Express | 1 year renewable | Up to Age 70 | Up to $500,000 available with only 7 health questions and no exam. Yearly adjusted premiums. Intended for “hard-to-insure” individuals. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Permanent Life | For Life | Up to Age 75 | Provides level protection and a guaranteed premium for life. A cash value begins on this plan in year 10. May be included with term protection. |
| Sun Limited Pay Life | For Life, with limited-pay options | Up to Age 75 | Provides level protection and guaranteed premiums for the period you have chosen. A choice of 23 investment accounts can guarantee growth on your cash value. |
| Sun Par Protector | For life, with 20 year pay, to age 65, or to age 100 | Ages 0 to 80 | Guaranteed minimum premium for period chosen. This plan offers steady long-term growth for estate planning. |
| Sun Par Accumulator | For Life, with 20 year pay | Ages 18 to 80 | Provides higher cash values in the early years, ideal for individuals looking to maximize their wealth. You have the option to buy paid-up insurance. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Universal Life | For Life | Ages 0 to 80 | Ideal for those looking to manage their wealth within a larger financial plan. 18 investment accounts available with daily interest. |
| SunUniversal Life | For Life | Ages 18 to 80 | Ideal for wealth management. 35 investment accounts allow you to overpay and use your insurance as tax-sheltered savings. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Basic Critical Illness | 25 years or to age 65 | Ages 18 to 50 | Up to $500,000 in coverage for 4 basic conditions. May be owned as a single or joint policy. |
| Sun Critical Illness Insurance | 10 years, to age 75, or to age 100 | Ages 0 to 65 | Covers 25 critical conditions, 4 partial benefit conditions, and 5 juvenile conditions. Includes Best Doctors medical service at no cost. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Basic | 25 years or to age 65 | Ages 18 to 50 | Guaranteed rates for the period chosen. Available up to $500,000 in coverage. |
| SunSpectrum Term | 1, 5, 10, 15, and 20 year terms | Ages 0 to 79 | Renewable and Convertible without a medical exam. Rates are guaranteed for the length chosen. |
| SunTerm | 5, 10, 20 year terms | Ages 18 to 70 | Intended for higher coverage needs. Rates are guaranteed for length chosen, and is renewable and convertible without a medical exam. |
| FutureInsure Term Life Express | 1 year renewable | Up to Age 70 | Up to $500,000 available with only 7 health questions and no exam. Yearly adjusted premiums. Intended for “hard-to-insure” individuals. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Permanent Life | For Life | Up to Age 75 | Provides level protection and a guaranteed premium for life. A cash value begins on this plan in year 10. May be included with term protection. |
| Sun Limited Pay Life | For Life, with limited-pay options | Up to Age 75 | Provides level protection and guaranteed premiums for the period you have chosen. A choice of 23 investment accounts can guarantee growth on your cash value. |
| Sun Par Protector | For life, with 20 year pay, to age 65, or to age 100 | Ages 0 to 80 | Guaranteed minimum premium for period chosen. This plan offers steady long-term growth for estate planning. |
| Sun Par Accumulator | For Life, with 20 year pay | Ages 18 to 80 | Provides higher cash values in the early years, ideal for individuals looking to maximize their wealth. You have the option to buy paid-up insurance. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Universal Life | For Life | Ages 0 to 80 | Ideal for those looking to manage their wealth within a larger financial plan. 18 investment accounts available with daily interest. |
| SunUniversal Life | For Life | Ages 18 to 80 | Ideal for wealth management. 35 investment accounts allow you to overpay and use your insurance as tax-sheltered savings. |
| Type of Plan | Term Length | Eligibility | Benefits |
|---|
| SunSpectrum Basic Critical Illness | 25 years or to age 65 | Ages 18 to 50 | Up to $500,000 in coverage for 4 basic conditions. May be owned as a single or joint policy. |
| Sun Critical Illness Insurance | 10 years, to age 75, or to age 100 | Ages 0 to 65 | Covers 25 critical conditions, 4 partial benefit conditions, and 5 juvenile conditions. Includes Best Doctors medical service at no cost. |
We are pleased to offer all life insurance products provided by Sun Life. For a quote on all available life insurance plans, please use our no-obligation quote provided on the right to explore your options and find the right fit for your needs.
