Special Offers

Refresh your knowledge on CII

• Check out the CII training materials (Part 1, Part 2, Part 3, Part 4) and earn CE credits.

Learn how to Product bundle in Sun eApp

• Applying with the Product bundling feature
• Term and Perm Special Offer in Sun Life Illustrations and Sun eApp

Marketing kit - coming soon!

• FAQ – CII
• FAQ – Term & Perm
• Information – 0.01% premium reduction on Term insurance

Terms and Conditions: Advisor-facing

• The Sun CII policy(ies) must remain in force for one year to be eligible for the premium discount. The eligibility window begins from the issue/anniversary date. 
• The Sun CII policy(ies) can be backdated up to 6 months.
• Conversions from a T10 to a T75 or T100 Sun CII are not eligible. The premium discount only  applies to new business applications. 
• If optional benefits (e.g. ROPC/ROPD, Disability waiver etc.) are chosen, the costs for the optional benefits will also be included in the premium discount. 
• Clients with existing applications in flight that cancel to reapply just to become eligible for the offer won’t qualify. These changes cause trouble for our operation teams, could impact cycle times, and potentially delay the Client’s coverage resulting in a poor experience.
• The premium discount will be reflected in the terms of the policy(ies) receiving the discount.  This will be reflected in a policy amendment sent at the same time as the cheque. 

Terms and Conditions: Client-facing

• If you apply for a Sun Critical Illness policy between April 13, 2026, to July 31, 2026, you may be eligible for a premium discount. Adult policies (ages 18+) will be eligible for a 3-month premium discount, and juvenile policies (ages 17 and under) will be eligible for a 6-month premium discount 
• Your Sun CII policy(ies) must remain in force for one year to be eligible for the premium discount. The eligibility window begins from the issue/anniversary date. 
• Your Sun CII policy(ies) can be backdated up to 6 months. 
• Conversions from a T10 to a T75 or T100 Sun CII are not eligible. The premium discount only applies to new business applications. 
• If you have chosen optional benefits (e.g. ROPC/ROPD, Disability waiver etc.), the costs for the optional benefits will also be included in the premium discount. 
• The premium discount will be reflected in the terms of the policy(ies) receiving the discount. This will be reflected in a policy amendment sent at the same time as the cheque. 

Terms and Conditions: Advisor-facing

• The 2026 Term and Perm Special Offer (the ‘Special Offer’) is available exclusively for applications submitted through the ‘Product bundling’ feature in Sun eApp; paper applications are not eligible.  
• Clients who purchase a Sun Life Evolve Term life insurance (‘Term’) policy and a SunSpectrum Permanent Life II (‘Perm’) policy at the same time will be eligible to receive a 10% premium discount on the Perm policy. 
• NOTE: Due to a system requirement, a percentage reduction must be applied to the Term policy in the Special Offer bundle when a lifetime discount on the Perm policy is activated. As a result of this system requirement, Clients will also receive a nominal 0.01% premium reduction on the Term policy in the Special Offer bundle. This premium reduction will be reflected in the Term policy as a premium discount and will be subject to the same terms and conditions as the premium discount on the Perm policy in the Special Offer. 
• To be eligible for the Special Offer, Term and Perm applications must be submitted together through the ‘Product bundling’ feature in Sun eApp during the Special Offer window of April 27th, 2026, to July 31st, 2026.   
• The Special Offer is available for new business applications of Term and Perm policies submitted at the same time during the Special Offer window only. Conversions, replacements and supplementary applications are not eligible for the Special Offer. Clients with existing applications in underwriting that cancel to re-apply during the Special Offer window will not qualify for the Special Offer. 
• Applicable premium discounts will be automatically applied upon application submission. To retain the premium discounts, both the Term and Perm policy need to be approved by underwriting and accepted by the Client, otherwise at the next billing date the full premium will be applied. There are no specific issue or settlement restrictions for the Special Offer.    
• All ownership types, individual, corporate and joint, are eligible for the Special Offer. All policies within the Special Offer application must have the same ownership type. 
• All available age and face amounts for eligible policies can qualify for the Special Offer.  
• A Special Offer consists of one Term policy and one Perm policy. If applying for multiple Term or Perm policies, Clients must choose which Term and Perm policy to combine into the Special Offer. Product bundling selections must be made in Sun eApp at the time of application. 
• The Perm premium discount will apply to the premium associated with the base coverage, any ratings, and all optional benefit costs (i.e., Accidental Death Benefit) except for Term Insurance Benefit costs. Any premium associated with the Term policy Benefit will receive the 0.01% Term premium reduction. The Term premium reduction will apply to the premium associated with the base coverage, any ratings, and all optional benefit costs. 
• There is no impact to the ROPD process, and the benefit amount will be based on the discounted premium for the Perm policy.  
• Premium discounts will be reflected in the terms of the policy receiving the discount. 
• If any eligible policies within the Special Offer bundle lapse for non-payment or are canceled, the Perm policy premium discount and Term premium reduction will end.  
• If the Term policy in the bundle is partially or fully converted or replaced after purchase, the discount on the Perm policy will remain. The premium reduction on the Term policy will remain only on the portion of the Term policy that remains.   
• If the Perm policy in the bundle is reduced after purchase, the discount will remain on the portion of the Perm policy that remains. The premium reduction on Term is not impacted. 
• If the Perm policy in the bundle is replaced after purchase, the discount will end on the date the new policy takes effect. The premium reduction on Term is not impacted. 
• If the Perm policy has a Term Insurance Benefit and it is partially or fully converted or replaced after purchase, the discount on the Perm policy will remain. The premium reduction on Term is not impacted. 
• Backdating is allowed with existing backdating rules and maximum period based on each product type.  
• Applications submitted during the Special Offer window but backdated to a non-campaign time will be eligible for the Special Offer discount. Bundle applications not submitted during the Special Offer window but backdated to a date within the Special Offer window will not be eligible for the Special Offer discount.  
• Achievers Term, Essential Term, 1-year Bridge Term, Simplified Issued Term, and Sun Life Go Term are not eligible Term product types for this Special Offer. Sun Lifetime Alternative, Sun Simple Solutions, Sun Life Go Guaranteed Life Insurance, SunSpectrum UL II, Sun UL II, Sun Par Protector II, and Sun Par Accumulator II are not eligible Perm product types for this Special Offer. 

Terms and Conditions: Client-facing

• If you apply for a Sun Life Evolve Term (‘Term’) policy and either a Sun Permanent Life (‘Perm’) or SunSpectrum Permanent Life II (Perm) policy at the same time through Sun eApp, between April 27th, 2026, to July 31st, 2026, you will be eligible to receive a 10% premium discount on the Perm policy (the ‘Special Offer’).  
• NOTE: Due to a system requirement, a percentage reduction must be applied to the Term policy in the bundle when a lifetime discount on Perm is activated. For this reason, you will also receive a nominal 0.01% premium reduction on the Term policy in the bundle. This premium reduction will appear as a premium discount and will be subject to the same terms and conditions as the 10% premium discount on Perm provided with this Special Offer.  
• Applicable premium discounts will be automatically applied upon application submission and will only be retained if both the Term and the Perm policies have been approved by our underwriting team and accepted by you after the underwriting process is completed.  
• This Special Offer consists of one Term policy and one Perm policy. If you are applying for multiple Term or Perm policies, must choose which Term and Perm policy to combine into the Special Offer. 
• All ownership types, individual, corporate and joint are eligible for the Special Offer. You must have either the same owner or the same insured on both the Term and Perm policies.  
• The Perm premium discount will apply to the premium associated with the base coverage, any ratings, and all optional benefit costs (i.e., Accidental Death Benefit) except for Term Insurance Benefit costs. Any premium associated with a Term Insurance Benefit will receive the 0.01% Term reduction. 
• The Term premium reduction will apply to the premium associated with the base coverage, any ratings, and all optional benefit costs. 
• Premium discounts will be reflected in the terms of the policy receiving the discount. 
• If any eligible policies within the Special Offer lapse for non-payment or are canceled the Perm and Term policy premium discounts will end.  
• If the Term policy in the Special Offer is partially or fully converted or replaced after purchase, the discount on the Perm policy will remain. The premium reduction on Term will remain only on the portion of the Term policy that remains.  
• If the Perm policy in the Special Offer is reduced after purchase, the discount will remain on the portion of the Perm policy that remains. The premium reduction on Term is not impacted. 
• If the Perm policy in the Special Offer is replaced after purchase, the discount will end on the date the new policy takes effect. The premium reduction on Term is not impacted. 
• If the Perm policy has a Term Insurance Benefit and it is partially or fully converted or replaced after purchase, the discount on the Perm policy will remain. The premium reduction on Term is not impacted. 
• Achievers Term, Essential Term, 1-year Bridge Term, Simplified Issued Term, and Sun Life Go Term are not eligible Term product types for this Special Offer. Sun Lifetime Alternative, Sun Simple Solutions, Sun Life Go Guaranteed Life Insurance, SunSpectrum UL II, Sun UL II, Sun Par Protector II, and Sun Par Accumulator II are not eligible Perm product types for this Special Offer.