Changes to the Quebec Insurance Act regulations

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The new changes to the Quebec Insurance Act were released in August of this year. These changes include revisions to life insurance conversion privileges for plan members, their spouse and dependent children. As a result, Sun Life will be modifying Group Benefit plans as required. Sun Life is in the process of evaluating the benefits of adopting these increased amounts for all Sun Life group insurance plans.

How is Sun Life applying the changes?

New group insurance plans with an effective date on or after September 10, 2009:

  • The maximum amount that can be converted for members terminating their group insurance coverage will increase from $200,000 to $400,000. This increase also applies to spousal and dependent child life benefits.

For all existing group insurance plans:

  • Dependent children are now eligible for conversion
  • A minimum conversion amount of $10,000/member and $5,000/spouse or dependent child will be implemented
  • The amount payable in the event of a death within the 31-day conversion period is the full amount of Life insurance coverage as outlined under the group insurance contract..

 Note: In instances where the contract wording is more liberal than the regulations, we will follow the provisions of the contract.

 How could this affect you?

At this time the changes will be applied only as necessary for Quebec residents. The Quebec Regulations apply when a plan member was a Quebec resident at the time of enrolment in the plan

There is no rate impact as a result of these changes at this time.


Please contact your Sun Life Financial group representative.