Savvy Term: a winning combination

December 03, 2025

Savvy Term is a unique insurance solution only from Sun Life combines the best features of permanent and term coverage. This innovative mix helps you address common Client objections and provides lifetime protection with guaranteed returns.

Key benefits of Savvy Term:

  • Addresses both permanent and temporary protection needs in one policy 
  • Clients get all their money back upon death via the Return of Premium on Death Benefit (ROPD)  
  • Simple and flexible solution for Clients aged 50 and under. Savvy allows Clients to lock in their good health for future conversions 

Savvy Resources

We've created a user-friendly tool that generates ready-to-print illustrations for Client meetings, plus case studies showcasing how Savvy Term can benefit various Client scenarios: 

  • Jim & Tina – Young homebuyers
  • The Carter Family – Protecting what matters most
  • Michael – 50-year-old business owner 
  • Grace – Serial entrepreneur with a passion for philanthropy 

These resources, along with a 5-minute video overview, are available on Suncentral to help advisors understand and present the Savvy Term concept effectively. 

What’s next?

  • Watch the Savvy video overview
  • Review the case studies
  • Download the tool
  • Start discussing Savvy term with your Clients today