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:

Term Life Permanent Life Universal Life Critical Illness
Type of PlanTerm LengthEligibilityBenefits
SunSpectrum Basic25 years or to age 65Ages 18 to 50Guaranteed rates for the period chosen. Available up to $500,000 in coverage.
SunSpectrum Term1, 5, 10, 15, and 20 year termsAges 0 to 79Renewable and Convertible without a medical exam. Rates are guaranteed for the length chosen.
SunTerm5, 10, 20 year termsAges 18 to 70Intended for higher coverage needs. Rates are guaranteed for length chosen, and is renewable and convertible without a medical exam.
FutureInsure Term Life Express1 year renewableUp to Age 70Up to $500,000 available with only 7 health questions and no exam. Yearly adjusted premiums. Intended for “hard-to-insure” individuals.
Term Life
Type of PlanTerm LengthEligibilityBenefits
SunSpectrum Basic25 years or to age 65Ages 18 to 50Guaranteed rates for the period chosen. Available up to $500,000 in coverage.
SunSpectrum Term1, 5, 10, 15, and 20 year termsAges 0 to 79Renewable and Convertible without a medical exam. Rates are guaranteed for the length chosen.
SunTerm5, 10, 20 year termsAges 18 to 70Intended for higher coverage needs. Rates are guaranteed for length chosen, and is renewable and convertible without a medical exam.
FutureInsure Term Life Express1 year renewableUp to Age 70Up to $500,000 available with only 7 health questions and no exam. Yearly adjusted premiums. Intended for “hard-to-insure” individuals.
Permanent Life
Type of PlanTerm LengthEligibilityBenefits
SunSpectrum Permanent LifeFor LifeUp to Age 75Provides 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 LifeFor Life, with limited-pay optionsUp to Age 75Provides 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 ProtectorFor life, with 20 year pay, to age 65, or to age 100Ages 0 to 80Guaranteed minimum premium for period chosen. This plan offers steady long-term growth for estate planning.
Sun Par AccumulatorFor Life, with 20 year payAges 18 to 80Provides higher cash values in the early years, ideal for individuals looking to maximize their wealth. You have the option to buy paid-up insurance.
Universal Life
Type of PlanTerm LengthEligibilityBenefits
SunSpectrum Universal LifeFor LifeAges 0 to 80Ideal for those looking to manage their wealth within a larger financial plan. 18 investment accounts available with daily interest.
SunUniversal LifeFor LifeAges 18 to 80Ideal for wealth management. 35 investment accounts allow you to overpay and use your insurance as tax-sheltered savings.
Critical Illness
Type of PlanTerm LengthEligibilityBenefits
SunSpectrum Basic Critical Illness25 years or to age 65Ages 18 to 50Up to $500,000 in coverage for 4 basic conditions. May be owned as a single or joint policy.
Sun Critical Illness Insurance10 years, to age 75, or to age 100Ages 0 to 65Covers 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.