Stop-Loss insurance

SLPC 24041 06/18 (exp. 06/20)

A strong, effective stop-loss policy can help contain costs for self-insured employers

For companies that self-fund their employees' health and medical expenses, Sun Life Stop-Loss insurance can help mitigate the high cost of catastrophic claims.

We offer a variety of stop-loss insurance products and services that provide financial protection – allowing companies to limit their liability for claims and maintain the budget. You can depend on our excellent sales, underwriting, and claims service. Plus, we deliver opportunities for companies to save money through cost-containment resources that can help lower health care costs even before a stop-loss claim occurs.

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Stop-Loss Benchmark

Use this customized report to help determine the right amount of stop-loss coverage for a client.

Specific Stop-Loss insurance

Financial protection from large medical claims for an individual.

Aggregate Stop-Loss insurance

Financial protection when medical claims exceed what an employer expected for an entire group.

SunResources® cost-containment services

Connecting employers to services that can help lower costs for specialty care, out-of-network care, and large-dollar claims.

SunEliteSM plan document review service

A medical plan document review service that provides an analysis of cost-containment, federal law compliance (including the Affordable Care Act), and discretionary authority language.


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. 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. Product offerings may not be available in all states and may vary depending on state laws and regulations.

SunEliteSM is not insurance and carries a separate charge included with the price of your coverage. Services are provided by The Phia Group, LLC; SunLife is not responsible or liable for the services or advice provided by any third party vendor. Sun Life reserves the right to discontinue any service at any time. SunElite is available for new or renewed Stop-Loss policies with effective dates of January 1, 2013, and beyond.