Stop-Loss insurance

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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 largest independent stop-loss provider1. 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. Our highly personalized approach can help provide guidance for any health concern, from answering questions about a diagnosis and treatment plan to helping members get access to the right specialists to developing a preventive care plan. 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.

Health advocacy and care navigation

We know navigating the healthcare system can be difficult, time-consuming, and stressful – but it doesn’t have to be. By providing people with expert, objective health support and guidance we help create more opportunities for preventive care, a better healthcare experience, access to the best care for each health situation and improved health outcomes. In doing so, we can also help improve healthcare costs. Find out more about our health advocacy and care navigation service with Sun Life Health Navigator, powered by PinnacleCare:

Strength and Stability

We have the financial strength2 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. Count on us to deliver the coverage and customized solutions that best fit your needs.

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

  • Over 5.5M covered members and $2.5B of in-force premium3
  • Strong financial ratings, consistent underwriting and dependable, fast claim reimbursement
  • A dedicated team of experts to support you every step of the way 

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 to make the right decisions for your self-funded medical plans.

Connect with us

1. Ranking compiled by Sun Life based on data contained in the 2022 NAIC Accident and Health Experience Report (as of YE 2021). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administrative services.


3. Sun Life book of business data through December 2022.

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 available for use in New Mexico.

© 2023 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are trademarks of Sun Life Assurance Company of Canada. Visit us at

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 07/23 (exp. 07/25)