Life’s brighter under the sun

STOP-LOSS

Fact sheet Rely on our expertise. Get the solutions, specialization, and strength that your business needs. About Sun Life

Solutions

Sun Life provides

Choice

protection and wealth

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products and services to millions of people

S pecific and Aggregate products that provide the right mix of coverage to mitigate risk according to each employer’s self-funded strategy

worldwide and is a

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Wide variety of run-in, run-out, and paid options

member of the Forbes

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E arly rate locks for the ability to make stop-loss coverage decisions sooner (requires nine months of your claims data prior to the effective date)

Global 2000. Independent 3

financial strength ratings place us among the top of

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 ash-flow features such as Advance Funding, C Monthly Aggregate Accommodation option, and direct deposit via electronic file transfer

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 any ways to tailor the policy by using the M Cancer rider, Mirroring Endorsement, Aggregating Specific deductible, Clinical Trials rider, Terminal Liability rider, Gapless Renewal option, and more

North American insurance organizations. Our Sun Life Stop-Loss block size as of year-end 2016 is: • Business

in force $1.2B

• Policyholders • Covered

1,899

lives 4.6M

Consultation S uite of value-added services for Sun Life Stop-Loss customers that deliver insight and cost containment through: •

S unResources® vendor-services access program for dialysis, specialty Rx, out-of-network claim negotiation, and more

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SunExcel® transplant-vendor access program

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SunEliteSM medical plan document review service

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S un Life Stop-Loss Benchmark customized report of the self-insured marketplace

Predictability •

 o New Lasers at Renewal option with Renewal N Rate Cap

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No re-disclosure requirement at renewal

Specialization Knowledge •

 thorough understanding of the intricacies of A self-insured plans and how stop-loss insurance can help reduce risk

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S pecialized stop-loss executive, underwriting, sales, and service teams all dedicated to helping self-funded clients

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Extensive experience successfully working with:

–employers that are using an independent stop-loss provider for the first time, –third party administrators, and –administrative-services-only carriers

Autonomy •

 etention of virtually all of the risk—for both R Specific and Aggregate

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F aster responses to customers’ underwriting and claim reimbursement requests because we don’t need a reinsurer’s approval

Excellence •

 imely claims reimbursements provided in an T average of seven business days for complete Specific claims (2015 data)

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 ore than $2.7B in reimbursements provided M (2013–2016 data)

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 ost-savings opportunities provided by Sun Life C Nurse Consultants both before and after a claim is referred by a case manager or administrator— which actually add up to millions in savings every year4

Strength •

#1 independent U.S. stop-loss carrier1

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S trongly rated by independent financial rating agencies2

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F inancial strength to reimburse even the largest catastrophic claims

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 ore than 30 years of experience in the M stop-loss industry

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P remier Member of the Self Insurance Institute of America (SIIA)

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Advocate for the