SLPC 28556 08/17 (exp. 08/19)

Your Best Partner for Stop-Loss

Helping you achieve your risk management goals

Self-funding can help you save money while gaining authority over the medical benefits your offer. The two biggest drivers to cost-savings are benefit design changes and reduced premium taxes. But, what about the financial risk? Let us show you how stop-loss can mitigate the risk of self-funding.

Self-Insurance 101- A Practical Guide

Stop-Loss Solutions

We’ll help you manage the risk associated with self-funding by providing the stop-loss solutions, specialization and strength you need to help you reach your risk management goals. You can also expect to get insights and tools to benefit your business:

  • Enjoy educational opportunities on topics such as switching to self-funding, high-cost medical and Rx claim trends and cost-containment strategies
  • Customized benchmarks so you can find out what other companies like you are doing
  • Connect with others in the self-funded industry via online communities to discuss current hot topics and tell us what future information would be most valuable to you
  • A wide range of options for our specific and aggregate products so you can design the right coverage for your business, supported by customized benchmarking for easier decisions
  • Cash flow features such as Accelerated Reimbursement, Advance Funding, Monthly Aggregate Accommodation option and direct deposit via electronic fund transfer (EFT)
  • Suite of value-added services for Sun Life Stop-Loss clients that deliver guidance and cost containment opportunities

Learn more about our solutions

  • Dedicated sales, underwriting and service professionals with specialized stop-loss expertise
  • Easy, hassle-free claim reimbursement process
  • Clinical risk management by nurse consultants who provide access to cost-containment programs and cost-savings opportunities before and after a catastrophic claim occurs
  • Strong financial ratings from independent agencies2
  • Decades of experience in the industry
  • Ability to reimburse the largest claims
  • Autonomous carrier decision-making without needing reinsurer’s approval
  • Commitment to delivering actionable data and insights to support the self-funded community

A leading independent Stop-Loss carrier

Sun Life has:

  • Provided over $2.7 billion in reimbursements1
  • More than 30 years of experience
  • Strong financial ratings from independent agencies2
  • Risk management solutions for self-funded employers of all sizes

As a direct writer, we can make faster underwriting and claims decisions because we don’t need to seek the approval of a reinsurance carrier.

Stop-Loss Benchmark Report

Get our recently updated customized benchmark report to help you make important decisions about your stop-loss coverage. Check out the samples below and contact your Sun Life Specialist to learn more.

Sample for self-funded company

Sample for fully insured company




Self-funded newbie or pro?

Either way, you’ll find tips you can use immediately in the Self-Funded Playbook


1Sun Life data from 2013 to 2016.
2For current financial ratings, visit © 2017 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. For product information, visit us at