rethink

With Sun Life’s rethink, our Professional Insights team provides valuable insights into points of interest that matter the most to you, including:

• Ideas that may resonate with your clients and centres of influence
• Taxation
• Industry trends
• Sun Life and our competitors
• The Canadian economy

Our goal is to provide timely information and concepts. Be sure to check back every month for updates. 

Liquidity without the loan

Last updated: December 2025

Unlock the power of joint last-to-die insurance with a unique twist. Discover how Sun Life's Universal Life policy with early death benefit can provide tax-free liquidity when you need it most, without compromising long-term financial security. Learn why this feature outshines traditional options for couples planning their financial future.

Liquidity without the loan

Corporate vs. shareholder borrowing

Last updated: November 2023

Compares the considerations for a collateral loan taken by the corporation or the shareholder on a corporate-owned insurance policy.

Corporate vs. shareholder borrowing

Liquid life insurance

Last updated: November 2023

Permanent life insurance offers several ways for a policyholder to access cash inside their policy. We explore the various ways policyholders can access this cash and how to go about it.

Liquid life insurnace

Leaving a legacy of generosity

Last updated: November 2022

Explore how Canadians can donate assets, like life insurance, to ensure they make the biggest impact.

Leaving a legacy of generosity

Related product: UL

Having a successful CII conversation

Last updated: October 2022

Do you find it difficult to broach the subject of CII with Clients? In under 5 minutes, learn a 3-step strategy for having winning CII conversations.

Having a successful CII conversation

Related product: CII

Which 10 pay Universal Life is best?

Last updated: July 2022

See how, with the right alternative, Clients could save money by growing excess cash within their policy. And the rate at which that cash needs to grow is lower than you might think.

Which 10 pay Universal Life is best?

Related product: UL

Rethink the yield of the Sun Par investment account

Last updated: July 2022

Understand how we manage the Par Account assets to achieve our optimal mix of long-term returns and low volatility, and rethink which indicators should give you the most confidence in the illustrations you provide to Clients.

Rethink the yield of the Sun Par investment account

Related product: Par

Don't let a growing family mean shrinking wealth

Last updated: July 2022

See how a cascading insurance strategy can mitigate risk, offer tax-advantaged growth and allow transfer of ownership and benefit payment between generations tax-free.

Don't let a growing family mean shrinking wealth

Related products: Par, UL, Sun Permanent Life

Can you increase value without asking for more money?

Last updated: July 2022

You can incorporate long term insurance needs into the well-known strategy of an insured annuity by adding Sun Retirement Health Assist (RHA) insurance. See how clients’ situations are greatly improved by this more holistic solution.

Can you increase value without asking for more money?

Related products: UL, payout annuities, and Sun RHA

Pass down the recreational property, not the taxes

Last updated: April 2022

Help Clients rethink their options for keeping the recreational property in the family.

Pass down the recreational property, not the taxes

Related products: UL, Sun Permanent Life and Par

There is no one solution

Last updated: April 2022

Help Clients rethink their options for keeping the recreational property in the family.

There is no one solution

Related products: UL, Sun Permanent Life and Par

Term insurance cost as an MER

Last updated:  January 2022

See how redirecting a small portion of excess income to a term life insurance policy can be a low MER approach that allows for growth and security.

Term insurance cost as an MER

Related products: Term

How can you give Clients more assistance in retirement?

Last updated: November 2021

See how Sun Retirement Health Assist (RHA) can support Clients’ plans by helping prepare them for the cost of long-term care. 

How can you give Clients more assistance in retirement?

Related products: Sun Retirement Health Assist

Funding long-term care needs

Last updated:  November 2021

Learn about options to help Clients transfer or share the cost of needing long-term care as they age.

Funding long-term care needs

Related products: UL, Par, CII, RHA

Reducing financial stress

Last updated: 2020

Knowing how to protect and access your investments is becoming as important as choosing where to invest. Use the following guide to help advise Clients during tough times.

Reducing financial stress

Related products: Investments, Par, and UL

How many things can you buy and get all your money back in the end?

Last updated: 2020

Client’s often feel they’re losing money on insurance unless they claim soon. See how to address this emotional concern with return of premium on death (ROPD) benefit on Sun Perm. 

How many things can you buy and get all your money back in the end?

Related products: Sun Perm with ROPD

Reduce passive income, reduce taxes

Last updated: 2020

Knowing how to protect and access your investments is becoming as important as choosing where to invest. Use the following guide to help advise Clients during tough times.

Reduce passive income, reduce taxes

Related products: Investments, Par, and UL

Protecting a child comes naturally

Last updated: 2020

Could Clients afford to take unpaid leave if one of their children became critically ill?

Protecting a child comes naturally

Related products: CII