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Now is a good time to save 

When you buy 2 or 3 insurance products at the same time before December 31, 2024, you can receive a premium discount once your policies are in-force for six months. The premium discount will be reflected in the terms of the policy or policies receiving the premium discount.

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Buy $500K of Evolve Term Life Insurance + 1 other insurance product and get a 2 month premium discount on the non-term policy 

Buy $500K of Evolve Term Life Insurance + 2 other insurance products and get a 3 month premium discount on the non-term policies 

The premium discount will be reflected in the terms of the policy or policies receiving the premium discount. Other conditions apply. See terms and conditions for more information.

Work with your advisor to bundle the right insurance products for you and your loved ones.

  • Evolve Term Life Insurance – Provides affordable financial protection for whatever length of time needed – from 5 to 40 years.
  • Permanent life insurance – Gives you lifelong coverage to protect your loved ones. And over time, the policy can grow in value too.
  • Universal life insurance – Provides lifelong protection that never expires and opportunities for tax-preferred savings growth.
  • Critical illness insurance – Helps cover the costs of coping with and recovering from a covered critical illness.

Help set your loved ones up for financial success

As a parent, guardian, grandparent, or someone who has a child close to your heart, you want the best for these kids – whether they're young, teenagers, or even young adults. This is especially important as they'll face a unique set of challenges in the years ahead.

There are steps you can take to help your loved one prepare for and overcome some of those financial challenges.

Savings accounts

Opening a savings account can be a meaningful gift toward your loved one's financial future. It can help set them up for success by providing a foundation for saving and building wealth.

Insurance coverage

Investing in health and life insurance can help protect your loved one and their future insurability. Some policies can even give them access to cash later in life, providing an additional financial resource.

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  • Either the owner or the insured must be the same for all policies in the bundle.
  • Every bundle must include an Evolve Term life insurance policy with a minimum face amount of $500,000.
  • Every 3-product bundle must include both an Evolve Term life insurance policy and a Critical Illness insurance policy.
  • Multiple CII policies and/or multiple permanent life insurance policies could be eligible for the discount provided the owner or insured also obtained at least one Evolve Term life insurance plan at the same time.
  • Permanent life insurance policies eligible for the bundle include the following products: SunUniversalLife II, SunSpectrum Universal Life II, SunSpectrum Permanent Life II.
  • For any qualifying Universal Life policies, the discount will be equivalent to 2 or 3 months of cost of insurance (COI), based on a monthly average of the COI charged for the policy during the 6-month qualifying period. Clients will receive a 2 month discount if they are eligible for the 2-product bundle or the 3 month discount if they are eligible for the 3-product bundle.
  • All eligible permanent life insurance policies are considered to be one product type. Multiple distinct products within this product type won’t increase the bundle from a 2-product bundle to a 3-product bundle (e.g. Evolve Term + SunUniversalLife II + SunSpectrum Permanent Life II is a 2-product bundle). In a situation like this all permanent life products will be eligible for the 2-month premium/COI discount.
  • If backdating is requested, both the life and CII policies must be backdated to the same date. Backdating more than six months will not be allowed.
  • The life and CII policies must remain in-force and have premiums paid for six months in order to receive the discount. The six-month eligibility window begins from the issue date of the last policy in the bundle that gets issued.
  • All applications must be received on the same day within the offer window of October 1, 2024 to December 31, 2024 to qualify for the bundle.
  • onversions from term to permanent insurance (for life or CII plans) where an Evolve Term policy is also purchased at the same time will be eligible for the offer.
  • Conversions from an existing Term plan to a longer Term duration on a new Evolve Term plan will be eligible to qualify for the bundle.
  • Clients with existing applications in underwriting that cancel to reapply just to become eligible for the offer won’t qualify.
  • If a Client is approved for one or more product types applied for but declined through underwriting for one or more other product types, the Client will still be eligible for the premium/COI discount. If the decline results in only two product types being approved, the premium/COI discount will be the 2-month premium discount for any policies being proceeded with.
  • If one of the qualifying policies is a policy with joint insured or joint owners, the policy will be able to count towards the eligibility of more than one bundle, however, only one premium/COI discount will be issued for that joint policy, provided it is not an Evolve Term policy.
  • If optional benefits (e.g. ROPC/ROPD, TDB) are chosen with the CII policy or the permanent life policy, the costs for the optional benefits will also be included in the premium/COI discount.
  • After the six-month eligibility window, we will notify the Client about the two or three-month premium/COI discount they will receive. The cheque will always be sent to the policy owner for each policy that qualifies, even for bundles that qualify from having the same insured with different owners.
  • Participating whole life insurance, Personal Health Insurance, Health Coverage Choice and Sun Retirement Health Assist are not eligible product types for this offer. Evolve Term premiums are not included in the discount. Group conversion products are not eligible for the bundle.