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Stop-Loss insurance

If you are not a broker or consultant, explore our content for plan members and families, employers, or dentists and dental offices.

A leader in the Stop-Loss marketplace

When employers chose to self-fund their medical benefits, they often chose to protect themselves from potential high-cost claims with stop-loss insurance. Stop-loss provides protection for high-cost claims over a predetermined threshold that fits each client’s risk tolerance and preferences.

We are proud to be the leading independent carrier of stop-loss1. For over 40 years, we have listened closely to what our clients want from us and continue to deliver the coverage, insights, and client experience to be the best partner in stop-loss.

We can now take a more holistic approach to stop-loss with health advocacy and care navigation solutions for self-funded employers. Our highly personalized approach can help provide guidance for any health concern, from verifying a diagnosis and treatment plan to helping members get access to the right specialists for their condition As an industry leader, we are proud to provide our clients the dependability and stability they need, along with flexible options they want to meet the unique needs of their business while positively impacting their members health outcomes.


  • How we support our broker partners

We value each of our broker partners. With product options to fit your clients’ needs, financial strength you can depend on, and innovative thought leadership and insights to help make self-funded coverage decisions, we are your best partner for benefits. Our team of distribution experts are ready to support you through their dedication, expertise and experience around stop-loss coverage. Combining our partnership with our financial strength allows us to be a carrier you can feel confident recommending to your clients for their stop-loss coverage.

Education options available to you

Health advocacy and care navigation

Navigating the healthcare system can be difficult, time-consuming, and stressful – but it doesn’t have to be. With over 20 years of experience building relationships with Centers of Excellence and medical specialists across the country, our in-depth knowledge of the healthcare system and familiarity with a wide range of conditions allows us to empower members to navigate the complicated healthcare system and confidently make health decisions. Our highly personalized approach gives members the guidance they need quickly while also considering their unique needs, goals, and preferences.

By doing the right thing for the member, we can positively impact their health outcomes – and achieve cost savings. Find out more about Sun Life Health Navigator, Powered by PinnacleCare here:

 

Strength and Stability

We have the financial strength and stability to be here for you. We have been in the stop-loss business for over 40 years, and have a market reputation you can be proud to place your trust in.

Don’t just take our word for it. Take a look at Sun Life and our Stop-Loss business, by the numbers:

 

Insights and Innovation

We know how important it is to have relevant, timely insights and thought leadership to help guide decision making. By combining our market expertise with our large in-force data set, we can deliver market insights on conditions and cost trends, as well as emerging changes. We are committed to sharing data and insights with you to help you stay informed on topics relevant in the self-funded marketplace.

We also continue to innovate to ensure our product offerings and solutions are meeting the changing needs of our clients. Our product options are consistent, yet expanding. And our commitment to providing you the best digital experiences and health solutions remains strong as ever.

Count on us to provide actionable insights that make it easier for your clients to make decisions about their self-funded medical plans.

Connect with us

1 Ranking compiled by Sun Life based on data contained in the 2019 NAIC Accident and Health Experience report. An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administrative services.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York. In New York group insurance policies are issued by Sun Life and Health Insurance Company (U.S.) (Lansing, MI). Product offerings may not be available in all states and may vary depending on state laws and regulations.

SLPC 30701 03/21 (exp. 03/23)