Life and AD&D insurance

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Employers play an important role in providing benefits that protect employees and their families

52% of American adults report owning life insurance.1 This leaves almost half of American adults without it. With Sun Life’s group and voluntary Life insurance, you can offer the protection your employee and their families need as well as provide additional services that supports their health and everyday lives.

Learn about our group and voluntary Life insurance offerings. 

A benefit plan that is easy to offer:

  • Basic (employer-paid) or Voluntary (employee-paid) options – many employers offer both, including dependent plans
  • Meaningful benefits amounts available Guaranteed Issue
  • Higher amounts available with and without health questions 
  • Easy online evidence of insurability application
  • Accelerated benefits for terminally ill employees2
  • AD&D coverage to complement Life or as a stand-alone product
  • A wide variety of optional riders
  • A choice of value-added services, including AbleTo Self Care for mental wellness, Emergency Travel Assistance with ID Theft Protection, or Online Will Preparation with Claimant Support Services3
  • Optional Employee Assistance Program (EAP) and work-life services4

In addition to plan design assistance, our Life claims examiners have significant experience and are sensitive to the needs of families facing the loss of a loved one or of an employer facing the loss of a valued employee. Our teams of professionals—from Accelerated Benefits examiners to Life claims examiners to Waiver of Premium examiners—carefully analyze each case and treat employees with empathy and respect

 

Learn about how we enroll employees

 

 

 

Watch the video to see how Group Life and Disability insurance made all the difference for the Keating family.

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Beneficiary Resource

Losing someone you love is one of the most difficult experiences you will have in your lifetime. We created a resource to guide you through the steps to take after losing a loved one.

Get the checklist

1. 2023, Insurance Barameter Study

2. The Accelerated Benefit is not long term care insurance. It will reduce the total amount of your life insurance benefit payable under the Policy by the amount of the accelerated payment. Receipt of an Accelerated Benefit may be taxable; you should consult your tax advisor for specific advice. Receipt of an Accelerated Benefit may affect your eligibility for public assistance programs. 

3. Value-added services are not available in New York. AbleTo Self Care is not available in New York or Vermont.

4. Employee Assistance Program (EAP) is not available with Life insurance in New York.

Value-added services are not insurance, offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care is provided by AbleTo. Online Will Preparation, Claimant Support Services, and Employee Assistance Program (EAP) work/life services are provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. Emergency Travel Assistance is provided by Assist America®. Identity Theft Protection is provided by SecurAssist®, an Assist America program. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. 

Group life insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 12-GP-01, 15-GP-01, 15-LF-C-01, 12-GPPort-P-01, 15-LFPort-C-01, 15-ADD-C-01, 13-ADD-C-01 and 13-ADDPort-C-01. In New York, group life insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 13-GP-LF-01, 13-LF-C-01, 12-GPPort-P-01, 13-LFPort-C-01, 15-LF-GP-01, 15-LF-C-01, 12-GPPort-P-01, 15-LFPort-C-01, 13-GP-LH-01 and 13-ADD-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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