Client experience

We are both increasing and personalizing our Client outreach in ways that make the most sense to each Client. That could be through an advisor, in person, or by phone, videoconference, email, digital apps, text or social media.  

We’ve also made substantial improvements to the way we communicate with Clients. Since 2017, we have worked to apply plain language principles across our business, from our prospectuses to our Client forms and letters. Plain language is our priority because we want Clients to easily understand our materials, plans and products. We want to help empower them to make the right choices by offering the clear, concise information they need. To learn more, refer to our case study, “Words Matter”.

We are committed to keeping the Client in mind when designing, marketing and distributing our products and services. Our advertising and sales materials, including prospectuses and point of sale materials, aim to be accurate and clear and will provide full disclosure. We all have a responsibility to consider our Clients’ interests in all stages of the product life cycle and to ensure our products and services provide fair value to them.   

Our compensation, commission and incentive structures help encourage good sales practices.

We strive to communicate in ways that everyone can understand and which aren’t misleading. We want our Clients and potential Clients to know the key facts (including benefits, risks and costs) about our products and services, so they can choose what’s best for their needs.   

Learn more about how we help ensure the fair treatment of our Clients in our Code of Conduct.

We take Client concerns and complaints seriously. They are opportunities for us to learn and improve, so we get things right, and create positive experiences.   

Across Sun Life, we have clear channels to receive complaints, including over the phone, by e-mail and online. Our processes to address concerns and complaints are focused on ensuring they are dealt with promptly and fairly. For example, in Canada, our goal is to resolve Client problems within our problem resolution teams. When this isn’t possible, our Client Advocacy team works with Clients and our internal problem resolution teams to resolve our Client's problem. Our social media team also tracks online comments and facilitates responses to Clients within one business day. 

We measure our success in delivering a great Client experience through several metrics, including:    

• Client Satisfaction (CSAT): This metric measures the holistic experience that Clients have with Sun Life.  
• Business performance outcomes: At the beginning of the year, each business is responsible for identifying and committing to measurable Client outcomes. This emphasis on outcomes ensures a strong focus on service delivery.   

These two metrics are factored into our annual incentive compensation. We also monitor Client join-and-leave rates, complaints and problem resolution results.   

As well, we engage with our Clients to capture their feedback at specific moments along their journey. This allows us to get input about onboarding and claims experiences, call centre and digital interactions, and other points of contact with Sun Life employees, advisors and services.