Empowering Health, Protecting Businesses: Your partner in stop-loss and health solutions
For over 40 years, Sun Life has been a leader in Stop-Loss solutions, evolving to meet the changing needs of employers and their employees. Our stop-loss coverage isn't just a safety net—it’s built on trust, experience, and innovation.
But we’re not stopping there. We are transforming healthcare experiences through personalized health solutions to empower informed decisions and provide tools to optimize care quality and manage costs.
Whether you are looking for traditional stop-loss coverage, comprehensive health solutions, or captive arrangements, Sun Life offers the expertise, innovation, and support to help you optimize your health benefits strategy.
We are committed to seeing the person behind the claims and working together to optimize care and costs for a healthier, more secure future.
Stop-Loss coverage
Sun Life is the largest independent stop-loss provider. We cover over 6 million members and have $3.0 billion of in-force premium. Our company boasts strong financial ratings and provides dependable, fast claim reimbursement.
Targeted health solutions
Clinical 360 is included in all Sun Life Stop-Loss policies and combines our extensive high-cost claim data with clinical experts who review claims to identify cost savings and care optimization opportunities. We also offer Clinical 360+, which transforms health access and risk management.
Captive solutions
Sun Life serves as an expert fronting carrier for group stop-loss captives. We maintain a 93% average client retention rate and have dedicated captive underwriting and client management teams. Our captive solutions provide access to our full suite of health solutions.
Sun Life Insights & Events
You can count on us to provide actionable insights that make it easier to make the right decisions for your self-funded medical plans.
Stay connected:
Ask an expert
Reach out to your Sun Life Stop-Loss Specialist or send us an email. We are here to help answer any of your questions!
Sun Life Connect
Sun Life Connect is a password-protected administration website for brokers and employers that have Sun Life insurance. You can find policy information, claims reporting, premium information and more.
Broker Education and Certification Program
Self-paced, stop-loss and health education programs for brokers, including certifications, continuing education courses, and specialized presentations to enhance industry knowledge and skills.
1. Ranking compiled by Sun Lif e based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services.
2. Sun Life book of business data through December 2023.
Group stop-loss insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 07-SL REV 7-12 and 22-SL. In New York, Group stop-loss insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 07-NYSL REV 7-12 and 22-NYSL. Policy offerings may not be available in all states and may vary due to state laws and regulations. Not approved for use in New Mexico.
© 2026 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
SLWB-10634-1
#1581093395 01/25 (exp. 01/27)