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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 leading independent carrier of stop-loss1. For nearly 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.

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. Our goal is to help your employees and their dependents successfully navigate healthcare decisions by getting them the right care at the right place at the right time, especially after receiving an unexpected diagnosis. Our in-depth knowledge of the healthcare system and familiarity with a wide range of conditions allows us to empower your medical plan members 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 your health plan members, 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 nearly 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 2,800 clients representing 4.5 million covered members
  • Strong financial ratings, consistent underwriting and dependable, fast claim reimbursement
  • A seamless experience every step of the way, with support from a dedicated team of experts


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 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)