Lock in a 10% premium discount on your insurance protection

Bundle eligible life insurance with critical illness (CII) coverage before December 31 and save on your CII premiums for life.

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When you bundle eligible life insurance with critical illness insurance through Sunlife, you lock in a 10% discount on your CII premiums for the entire life of your policy. That's not a promotional rate that expires – it's permanent savings that can compound into thousands of dollars in savings over the years ahead.

Whether you're:

Building protection for a growing family
Securing your financial future after a career milestone
Planning protection with your partner

This year-end offer helps give your loved ones the security they deserve.

What makes this different?

Lifetime value: 10% critical illness insurance premium discount for the life of your policy – not just this year
Flexibility: Bundle eligible life insurance and critical illness insurance in a way that fits your needs
Limited time: Lock in this rate before December 31, 2026

The discount will form part of the policy contract. Terms and Conditions apply.

Ready to lock in your lifetime savings?

The first step is simple: meet with a Sunlife advisor who will review your situation, answer your questions, and show you exactly how this offer can work for you.

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The Non-Par Life + CII Bundle promotion described in these terms and conditions is referred to as the "Oﬀer". The following terms and conditions constitute the complete terms and conditions of the Oﬀer.

Oﬀer sponsor

Sun Life Assurance Company of Canada (“Sun Life”)

Oﬀer description

Eligible Clients will receive a 10% discount on premiums payable under an eligible Sun Critical Illness Insurance ("Sun CII") policy.

Eligibility requirements

The Offer is available exclusively for applications submitted through Sun eApp; paper applications are not eligible.
Clients who apply, on the same date, for
- a Sun Life Evolve Term life insurance (“Evolve Term”) policy;
- a SunSpectrum Permanent Life II policy;
- a SunSpectrum Universal Life II policy; or
- a SunUniversalLife II policy

together with a Sun CII policy, may be eligible for the 10% Sun CII premium discount, provided all other eligibility requirements are satisﬁed.

All bundle applications must be submitted within the offer campaign period from October 5, 2026 to December 31, 2026 (the “Campaign Period”).
Bundle applications must be completed using the product bundling functionality available in Sun eApp.
All available issue ages and face amounts for eligible policies qualify for the Offer.

Bundle requirements

A bundle consists of one eligible non-participating life insurance policy and one eligible Sun CII policy.
Where a Client applies for multiple eligible non-participating life insurance policies or Sun CII policies, the Client must designate, through Sun eApp at the time of application, which policies will form the bundle.
The owner of all policies in a bundle must be the same; the insured person(s) may differ.

Discount application

The Sun CII premium discount will be automatically applied upon submission of an eligible application, provided all Offer requirements are satisfied.
The Sun CII premium discount will apply to the total premium payable under the Sun CII policy, including the base coverage premium, optional benefit premiums (including ROPC/ROPD and TDB), and any applicable ratings.
The Sun CII premium discount will be reflected in the terms of the Sun CII policy.

Retention of discount

To retain the Sun CII premium discount, both the eligible non-participating life insurance policy and the Sun CII policy must be approved by underwriting, issued, accepted by the Client, and remain in force.
If either policy forming part of the bundle lapses for non-payment, is terminated, is cancelled, or otherwise ceases to be in force, the Sun CII premium discount will cease and the applicable non-discounted premium will be applied effective on the next premium billing date.

Conversions

If an Evolve Term policy forming part of the bundle is partially or fully converted, the discount applicable to the Sun CII policy will continue.
If a T10 Sun CII policy forming part of the bundle is partially converted, the discount will continue only with respect to the portion of the T10 Sun CII policy that remains in force following the conversion.
If a Sun CII policy forming part of the bundle is fully converted, the discount will end on the effective date of the policy issued on conversion.

Backdating

Backdating is permitted in accordance with Sun Life’s administrative rules and the maximum backdating period applicable to the relevant product.
Bundle applications submitted during the Campaign Period but backdated to a date outside the Campaign Period will remain eligible for the Offer.
Bundle applications submitted outside the Campaign Period will not be eligible for the Offer solely because they are backdated to a date within the Campaign Period.

Eligible business

The Offer is available for new business applications submitted during the Campaign Period.
Clients with existing applications in underwriting who cancel and reapply during the Campaign Period will not be eligible for the Offer.

Ineligible products

The following products are not eligible for the Offer: Achievers Term, Essential Term, 1-year Bridge Term, Simplified Issued Term, Sun Life Go Term, and Express Critical Illness Insurance.

Additional provisions

There are no additional issue date or settlement date requirements applicable to the Offer.
If a SunSpectrum Universal Life II policy or SunUniversalLife II policy forms part of the bundle and receives special quote pricing, Sun Life may determine, in its sole discretion, whether any applicable Universal Life commission bonus will apply.

Applicable law

The Oﬀer and these terms and conditions are subject to all applicable Canadian federal, provincial and territorial laws.

Reservation of rights

Sun Life reserves the right to amend, suspend or withdraw this Offer at any time without notice, provided that any such amendment, suspension or withdrawal will not affect discounts already applied to policies that satisﬁed all eligibility requirements before the effective date of the change.