
This product does not have the other benefits/riders available with Sun Spectrum and SunTerm.Answer some health questions to apply online: You will not need to take a medical test.Available in 10 or 20 year terms for those between the ages of 18 and 69.A simpler to issue insurance product with coverage amounts from $100,000 to $1 million.Includes a non-contractual living benefit, as above.SunSpectrum Term 10 and SunSpectrum Term 15 are exchangeable for 20 or 30 year terms, should your coverage needs change.All terms are renewable to age 85 and convertible before age 75.10, 15, 20 and 30-year terms with guaranteed level premiums.You could consider this if you want coverage for smaller amounts. Offers most features included in SunTerm such as: Similar to SunTerm, but with a considerably lower minimum coverage amount of $50,000. Minimum coverage amount for this product is $250,000.Joint-first-to-die and multiple life options available.The fine print: the payment is not contractual and is discretionary by Sun Life on a case-by-case basis Includes a non-contractual living benefit where the insured may be eligible to take a 50% advance of the coverage amount, in the case of a terminal illness, up to a maximum of $250,000.All terms offer optional benefits such as children’s insurance riders, waiver of premium on total disability, guaranteed insurability, and accidental death benefit.SunTerm 10 and SunTerm 15 are exchangeable for SunTerm 20 or SunTerm 30 should your coverage needs change.


The company was started in Montreal, Quebec, as The Sun Insurance Company of Montreal. Sun Life Financial, Inc., founded in 1865, is one of the largest life insurance companies in the world.
