Expanding what’s possible with SunUniversalLife II

A stronger, more competitive SunUL II is coming on October 5.

More value

Competitively repriced YRT 70 and YRT 85 options help Clients get more value from their policy over time.

More planning possibilities

New YRT 100 COI option helps direct more money into the policy fund, increasing tax-preferred growth potential.

More flexibility

A new withdrawal option provides additional liquidity strategies that can help balance stability with growth potential.

More confidence

Support your recommendations with illustration enhancements, training and Client resources.

More recognition

Asset-based commissions reflect the value you create through long-term Client engagement. Plus, there's a limited-time bonus commission offer.

See the difference

Effective October 5, 2026, these enhancements are designed to support Clients who value flexibility, tax-preferred growth, liquidity and advisor-led planning, while creating new opportunities to deepen Client relationships and build long-term value in your practice.

1. YRT enhancements 

New YRT 100 COI option

  • Available for Clients ages 18 to 85, starting at face amounts of $250,000+
  • Designed to help deliver stronger lifetime value for Clients compared to competitors (over the COI payment period)
  • Special quotes are available for face amounts of $25 million and over

Repriced YRT 70 and YRT 85 options

  • YRT 70: enhanced affordability to create greater long-term value for Clients
  • Rates reduced by up to 25% on average for Clients ages 31 to 55, strengthening our competitiveness for this key market segment
  • For Clients ages 0 to 30, rates have increased by up to 10% on average
  • YRT 85: reduced pricing for single-life Clients by up to 3% on average
  • For joint-life cases, pricing has increased by up to 3% on average

An opportunity to drive sustainable growth

UL is designed for investment-savvy, hands-on Clients seeking flexibility, tax-preferred growth, and liquidity. These needs are increasingly top of mind for Clients with active investment preferences, multi-generation wealth planning goals or cash flow flexibility needs.

YRT enhancements help direct more money into the policy fund, increasing their tax-preferred growth potential with competitively priced solutions designed to help Clients get more value from their policy over time.

  • Sun Life Illustrations reports will now show the annual target payment on the statement of variability page. This will assist in producing commission calculations without running a separate commission report.
  • See transition rules for more information (coming soon).

2. Asset-based commissions structure

SunUniversalLife II policies issued on October 5, 2026, and onward will include asset-based commissions, starting in year six, for the life of the policy. Payable on a monthly basis, based on the fund value at the end of each month, you’ll receive: 

  • Managed accounts: 0.25% annualized rate, paid monthly 
  • Daily interest account (DIA)/Guaranteed interest accounts (GIA)/Sun Life Diversified Account (SLDA): 0.125%, annualized rate, paid monthly
  • We are also changing renewal commissions. Effective for policies sold on October 5, 2026, or later, renewal commissions will be paid until the end of the first 10 policy years.    

More recognition

UL strategies require more from you as an advisor, from deeper discovery conversations and complex solution structuring to ongoing Client education and support. That's why we're evolving UL commissions to better recognize the value you create through long-term Client relationships.

3. New withdrawal order option

  • Prioritizes withdrawals from the Sun Life Diversified Account before any managed accounts.
  • Available to in-force Clients as well.
    • Clients who choose this option will receive an amendment, and advisors will be notified.

Greater flexibility and control

Clients benefit from the comfort of paying COIs through the lower-volatility Sun Life Diversified Account, while allowing potential higher returns from managed accounts for payments over and above the cost of insurance. This option may support liquidity strategies that appeal to Clients with diversified investment account portfolios.

4. Limited-time bonus commission

Earn bonus commission on eligible UL business submitted between October 5, 2026, and June 30, 2027, where UL is appropriate for the Client’s needs and circumstances and the policy remains in force for a minimum of one year.

Two bonus commission tiers are available:

  • 2 to 4 UL policies issued: 10% bonus, applies to all policies sold during the qualifying period
  • 5 or more UL policies issued: 15% bonus, applies to all policies sold during the qualifying period

Bonus recognition for supporting Clients with the right solutions

Recognizing your success in helping Clients meet their goals with universal life.

  • Commission bonuses are based on FYC. 
  • Policies must remain in force for a minimum of one year to qualify for the bonus, and a bonus cap of $500,000 per advisor will apply to the program. Conversions are eligible. Terms and conditions apply
  • Terms and conditions
  •  Frequently asked questions

Training

  • Connect with your relationship manager for help applying UL strategies to Client conversations.
  • Coming soon: Refresh your UL knowledge and earn CE credit through self-directed training modules.