Bridge Term

Bridge Term Advisor Guide 

Advisor use only

< Back – Backdating to save age

Risk classes and underwriting  

We offer two risk classes for Bridge Term. Preferred underwriting is not available.

  • Non-smoker: Class 3
  • Smoker: Class 5

Class 3

No tobacco use for 12 months, good health and lifestyle.

To be considered for Class 3, the proposed insured must not have had any tobacco products in the past 12 months including cigarillos, cigars and smoking cessation products.

Class 5

Any nicotine use, otherwise fair health and lifestyle.

Did you know?

Sun Life will consider an occasional large cigar smoker (up to 12 per year, with a negative cotinine test) as a non-smoker.

> Next – Premiums