Make sure your family could manage without your income
Explore protection for the people and expenses that depend on you.
YOUR FAMILY. YOUR FUTURE. YOUR NEXT CHAPTER.
Keep the life you’re building on track.
Protect the people who count on you. Prepare for the future you want. Get help making sense of your coverage, your savings and what comes next.
With Sun Life, you can explore insurance, investments and health services around the life you want to live.
By phone or video. There is no fee for the conversation.
“You've made it very easy to understand.”
After receiving help understanding her retirement account. Read Sara’s story
START WITH WHAT MATTERS
What would you like to take care of?
Start with the change you want to make. You can work through the product choices with help.
Prepare for the financial effects of illness or injury
Look at coverage for recovery and time away from work, or everyday and longer-term care costs.
Save for something that matters
Connect your savings choices with your goal and when you need the money.
Work out how retirement could look
Change jobs without overlooking your benefits or savings
Understand what changes, what ends and what options you have next.
Take better care of your employees
Explore benefits, health support and workplace savings around your team’s needs.
Protect the business you have built
Explore protection for key people, business debts and ownership changes.
Secure the pension promises people depend on
SEE THE WHOLE PICTURE
You have a life to manage. You deserve help seeing the whole picture.
Your mortgage, your family, your health and your future all affect one another.
A new job can change your benefits and your savings. A growing family can change how much protection you need. Getting closer to retirement can change what you need your money to do.
You can start by understanding where you stand, what needs attention and which options fit your priorities.
YOUR FAMILY AND FUTURE
Help for the people and plans that matter to you.
01 / YOUR LIFE
Give your family financial room to carry on.
If your income supports other people, you want to know how they would manage without it.
Explore life insurance around the expenses, responsibilities and future plans you want to help protect.
02 / YOUR LIFE
Give yourself financial breathing room during recovery.
An illness or injury can affect both what you earn and what you spend.
Explore how critical illness insurance can help with the costs of a covered diagnosis, and how disability insurance can help replace part of your income if you cannot work.
03 / YOUR LIFE
Plan for care without putting every cost on your savings.
Your health needs can change throughout your life. So can the support available through work or your provincial or territorial plan.
Explore coverage for eligible health and dental expenses, and options to help with care costs if you become unable to care for yourself.
04 / YOUR LIFE
Give your savings a purpose you can see.
A first home. Your child’s education. More freedom later.
Choose savings and investment options around what you want to achieve, your comfort with risk and when you expect to need the money.
05 / YOUR LIFE
Get a clearer picture of life after work.
Understand how your savings could support your retirement, which income options are available and what decisions need attention before you stop working.
06 / YOUR LIFE
Know what happens to your coverage and savings when work changes.
Leaving a job can bring several decisions at once.
Review when your workplace benefits end, what you can do with your retirement savings and whether you qualify for replacement health coverage through Sun Life Choices.
Eligibility, coverage, costs and available options vary. Your policy or plan terms explain what applies to you.
WHEN LIFE CHANGES
One change in your life can call for more than one kind of help.
When you leave a job, for example, you may need to consider three connected questions:
01
What happens to your health coverage?
Check when it ends and explore replacement options before making a decision.
02
What happens to your workplace savings?
Understand the choices, costs and restrictions that apply to your money.
03
Does your family’s protection still fit?
Review what depended on your employer and what you may need personally.
You can bring these questions to an advisor and work through which decisions deserve attention first.
IN THEIR OWN WORDS
What getting help has meant to other clients.
Understanding your coverage.
“Thank you for taking time to walk me through everything.”
— Sashanie, Hamilton, Ontario, on discussing her insurance coverage. Read the testimonial
Having someone who knows your situation.
“I feel like I know you and you’ve been most helpful.”
— Cynthia, a Sun Life Choices Retirement Income Plan member, after receiving help following a job loss. Read Cynthia’s story
Giving your future the attention it deserves.
“This call was very, very helpful. Thanks so much for calling me.”
— David, a Sun Life Group Choices member, after reviewing his investments with a consultant. Read David’s story
Feeling supported as retirement gets closer.
“You have been a wonderful help. This call was definitely worth it; this is my future we are talking about.”
— April, a Sun Life client, after a retirement investment review. Read April’s story
Excerpts from client stories published by Sun Life. Read each story for context.
FOR EMPLOYERS AND HR TEAMS
Give your employees support they can put to use.
You want to attract good people, give them reasons to stay and help them feel looked after. You also need a plan your organisation can sustain.
Bring together the benefits, health support and savings options that fit your workforce, with tools to help you manage the plan.
01 / YOUR WORKPLACE
Offer benefits that fit your people and your budget.
Explore health and dental coverage around your team’s needs, with plan sustainability in view.
02 / YOUR WORKPLACE
Make it easier for your people to get help.
Give eligible employees access to care and support for challenges affecting their health, work and home life.
03 / YOUR WORKPLACE
Help your people prepare for life beyond work.
Offer workplace savings and retirement options that help employees build towards their future.
04 / YOUR WORKPLACE
Keep your plan organised and your decisions informed.
Access plan information, manage requests and use the reporting available for your plan to understand what needs attention.
Services and member eligibility depend on the plan you select.
FOR BUSINESS OWNERS
Protect the business your people depend on.
If your business relies on you, a partner or a key employee, a serious illness or death can affect the whole organisation.
Explore life and health insurance that can help address lost income, debts and the financial needs of an ownership transition.
FOR DEFINED BENEFIT PLAN SPONSORS
Give your pension promises a more certain future.
If you oversee a defined benefit pension plan, people are relying on the commitments you have made.
Explore how pension risk transfer could help secure member benefits and reduce financial uncertainty, taking your plan’s funding, assets and obligations into account.
A NEXT STEP THAT FITS YOU
Choose how you want to get started.
01
Talk through the question on your mind.
Speak with a salaried Prospr advisor by phone or video about your insurance or investment options. There is no fee to speak with an advisor.
02
Build a relationship for the years ahead.
Find a Sun Life advisor who can help you review your financial situation and adjust your approach as your goals and circumstances change.
03
Explore coverage in your own time.
Get an online quote and apply for selected life, critical illness or personal health insurance products.
A LITTLE MORE CLARITY
A few things you may be wondering.
What if you do not know which product you need?
Start with what you want to take care of. A Prospr advisor can help you understand relevant choices, including what you may not need.
What if you already have coverage through work?
Your workplace plan is a useful starting point. Review what it covers, its limits and what happens if you leave. You can then consider whether any gaps need attention.
Does speaking with an advisor mean your investments or insurance are free?
There is no fee to speak with a Prospr advisor. Insurance premiums, investment fees and other product costs are separate. Ask about the costs that apply to any option you consider.
Can you begin with one priority?
Yes. You can start with the question that matters most right now, then explore other needs as your circumstances change.
YOUR NEXT CHAPTER
Take care of what matters next.
You do not need to have every answer before you ask for help.
Bring the question on your mind. Explore your options. Take a next step that fits your life.
For your organisation: Employee benefits · Workplace retirement · Pension solutions
ALREADY WITH SUN LIFE?
Already have a plan? Get the help you came for.
Check your coverage, find claims instructions, manage your investments or contact the right support team.
Using the Canadian Dental Care Plan?
Find member guidance, oral-health provider resources and information about using your coverage.
Sun Life administers dental claims for this federal programme. Eligibility and programme rules are set by the Government of Canada.