Clients can save 10% for life on critical illness insurance premiums by bundling with a non-participating life insurance solution in Sun eApp.
Clients often decide: "I only want to pay for life insurance, because it covers all that I need."
But the protection gap is different:
With this bundle offer, you can give them both.
If Joan, 35, bundles SunUniversalLife II with Sun Critical Illness Insurance before December 31, she could save more than $13,000 in premiums by the time she is 80.
*Chart for illustration purposes only.
Because the best protection conversations don't stop at life insurance.
Many Clients hear "critical illness" and think only about cancer or very unusual conditions. In reality, coverage often includes over 25 conditions, including heart attack and stroke, which are among the most common serious health events.
Show them CII can, in fact, help with:
Add Sun Critical Illness Insurance to any of these solutions:
Clients who:
Note: The premium discount will be reflected in the terms of the Sun CII policy.
No. Only Evolve Term, Sun Permanent Life or SunUniversalLife II + Sun CII are eligible for the bundle special offer.
Note: Achievers Term, Essential Term, 1-year Bridge Term, Simplified Issued Term, and Sun Life Go Term are not eligible Term product types for this offer. Express Critical Illness insurance is not an eligible CII product type for this offer.
The campaign is available from October 5, 2026, until December 31, 2026. All applications must be submitted on the same day during the campaign to be eligible.
Eligibility is open to Clients of all ages who meet the age requirements for each product type.
Sun Life Illustrations has the ability to illustrate the bundle special offer and show the discounted premium value. To illustrate the Non-Par Life and CII bundle special offer, you can:
Note:
Applications for the Non-Par Life and Sun CII special offer will be handled on Sun eApp:
See the “Applying with the product bundling feature” topic in the Sun eApp training roadmap for details on how to apply for this offer.
Note: Only 1 life insurance policy and 1 Sun CII policy will be counted as a bundle, if applying for more products you need to select which ones will apply for the special offer.
No. The eligibility is based on the application submitted date.
Yes. Backdating is allowed with existing backdating rules and maximum period based on each product type.
Yes, due to privacy reasons. If you have special circumstances, please reach out to SalesDesk@sunlife.com.
No. All the policies must be submitted at the same time, through a ‘Product bundling’ application on Sun eApp, and within the campaign window to be eligible for the Sun CII premium discount.
Advisors will receive compensation for each product in the bundle special offer, and it will continue to be based on the cost of insurance.
Both the life insurance and Sun CII need to be approved by underwriting and accepted by the Client to retain eligibility and keep the Sun CII discount. If the life insurance policy is declined, the Sun CII policy will be issued at the full non-discounted premium.
No. The standard product minimums and maximums apply for the life insurance and Sun CII products.
Under the terms of this special offer, a 10% premium discount will be applied to the Sun CII product for the lifetime of the policy.
Under the terms of the special offer, the 10% premium discount will be applied to the total monthly or annual premium of Sun CII. We calculate the premium discount amount based on the payment mode selected.
No. If the Client adds another layer of life insurance coverage, the Sun CII premium discount will remain.
Sun Life will continue to honour the 10% Sun CII premium discount.
The Sun CII premium discount will be reflected in the terms of the policy pages and will be applied automatically upon application submission. Sun Life will monitor special offer eligibility during the underwriting decision stage and whenever in-force changes are applied and adjust the premium as required.
The discount applies to the base premium, any optional benefits, and any ratings. We base the discount on the selected payment mode. This includes the base coverage, optional benefits, and the policy fee.
There are 2 scenarios when special quotes are given:
Within Sun eApp there are 4 options when starting an application:
Yes, the eligibility criteria requires the same owner but the insureds can be different. For example, if a policy owner purchases an Evolve Term life insurance policy on their own life and also purchases a Sun CII policy on their child, the discount will apply to the Sun CII premiums.
No. Sun eApp will force the selection of 1 Sun CII policy to be ‘bundled’ with 1 life insurance policy and only that CII policy will get the premium discount. The remaining CII policies will not be considered as part of the bundle and will not get a premium discount.
Yes. Only applications that are submitted during the campaign period at the same time, will be eligible for the Sun CII premium discount.
No, only applications submitted through Sun eApp are eligible. Paper applications for life insurance and Sun CII will not be considered for the premium discount.
No, this special offer is available on new business of Non-Par life insurance and Sun CII policies only. Conversions, replacements, and supplementary applications are not eligible for the offer. Group conversion products are not eligible for the discount.
Note: Any application in underwriting when the campaign begins that is then cancelled in order to submit a new application to receive the discount, will NOT be eligible for the Sun CII premium discount.
There is no impact to the ROPC/E process. The premium discount will be automatically applied to the total Sun CII premium, including premium related to the ROPC/E option, which will reduce the premium the Client will pay. When the optional benefit is exercised the Client will receive back the discounted premium paid.
Only policies that have the same owner are eligible for the campaign. Corporate and joint-ownership policies are also eligible.
No. Please do not include a cover letter solely to indicate that the policy is eligible for the special offer campaign as this will stop straight through underwriting and processing and will cause service delays. If there is another valid reason to include a cover letter, please continue to do so.
Yes. Corporate and joint-ownership policies are eligible for the special offer.
No. The owner must be exactly the same on both policies to be eligible for the special offer. Corporate and joint-ownership policies are eligible for the special offer.
Yes. Shared ownership on Sun CII is eligible for this special offer, but only if the owners are exactly the same for the life insurance policy.
To help advisors confidently recommend UL and learn more about the enhanced UL offering, we're providing comprehensive support through training, resources, and ongoing guidance—plus recognizing advisors’ efforts with a bonus campaign.
Starting October 5, 2026 through June 30, 2027, all advisors can earn bonus commission based on UL sales submitted during the campaign period and kept in force for a minimum of one year in one of the following two tiers:
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.
For IID advisors: Commission bonuses are based on FYC.
See Suncentral in the coming weeks for full offer details, terms and conditions, and FAQ.
To view Terms and Conditions of Special offers no longer sold, see below:
