The Term to 65 group conversion plan that Sun Life offered prior to September 2003 is not convertible.

Sun Term to 65 - an affordable term solution that can be converted to Sun Lifetime Alternative before the coverage expires at age 65.

To calculate the premium, you can use the following formulas:

  • rate x death benefit units + policy fee = annual premium
  • monthly premium = (annual premium x .09)

The policy fee is $100.

The premiums for Term to 65 are level to age 65.

Term to 65 Non Par is available for group conversions only. The following rates are blended, and apply to both non-smokers and smokers.

Premiums
(Basic)
Age Conversion period
(in years)
Cash value
(numbers based on the rate per 1000 units of death benefit)
      5 10 15 20 @60
3.16 15 45 0 10 23 38 46
3.23 16 44 0 10 24 39 45
3.29 17 43 0 11 25 41 45
3.37 18 42 0 11 26 42 45
3.44 19 41 0 12 27 43 44
3.52 20 40 0 12 28 44 44
3.61 21 39 0 13 29 45 44
3.7 22 38 0 14 30 46 43
3.79 23 37 0 15 31 47 43
3.89 24 36 0 15 32 48 42
4 25 35 0 16 33 49 42
4.12 26 34 0 17 34 49 41
4.24 27 33 0 17 34 49 41
4.37 28 32 0 18 35 50 40
4.5 29 31 0 18 36 50 40
4.65 30 30 0 19 36 49 39
4.79 31 29 1 19 36 49 38
4.94 32 28 1 20 37 48 38
5.1 33 27 1 20 37 47 37
5.27 34 26 2 20 36 46 36
5.45 35 25 2 21 36 45 36
5.64 36 24 2 21 36 43 35
5.83 37 23 2 21 35 41 34
6.04 38 22 2 20 34 38 33
6.26 39 21 2 20 33 35 32
6.48 40 20 1 20 31 31 31
6.71 41 19 1 19 30 27 29
6.95 42 18 1 18 28 21 27
7.21 43 17 1 18 26 15 25
7.46 44 16   17 23 8 22
7.74 45 16   16 20   20
8.01 46 15   15 17   18
8.31 47 14   14 14   16
8.6 48 13   13 10   14
8.92 49 12   11 5   12
9.25 50 12   10     10
9.57 51 11          
9.93 52 10          
10.3 53 9          
10.68 54 8          
11.09 55 8          
11.53 56 7          
11.98 57 6          
12.46 58 5          
12.96 59 4          
13.48 60 4          
14.03 61            
14.61 62            
15.24 63            
  64