EXPERTISESTOP-LOSS

Get the strength, specialization, and solutions that your business needs

Enjoy an unparalleled sense of confidence when you choose the Stop-Loss expertise that Sun Life delivers.

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Choosing the right carrier A strong, effective stop-loss policy can help contain costs for self-insured employers. It’s an important way to mitigate risk and maintain greater control over your company’s budget.The decision to include stop-loss insurance as part of your business strategy may be an easy one. But choosing the right carrier deserves consideration. The right carrier makes everything better. People with expertise take pride in providing stop-loss to you. Eligible claims are reimbursed quickly. Cost-savings opportunities are presented. Consultative and relevant services are provided. Key insights drive innovative product solutions. And excellent, specialized service is dedicated to you, your broker, and your third party administrator.

You get it all with Sun Life. Strength. Specialization. Solutions.

Strength Experience the confidence that comes from strength. Now and for years to come.You can be confident knowing that we’ll do things properly. We have over 30 years of experience as a direct writer of stop-loss insurance. Recognized as a leader, we are a Premier Member of the Self-Insurance Institute of America. And independent rating agencies place us among the highest-rated insurance companies in the United States.1

In the United States, through our underwriting companies, Sun Life:

• protects over 13 million covered lives in the U.S. with Stop-Loss and group benefits,2

• supports over 29,000 customers,2

• manages more than $2 billion of in force business,2

• operates 34 local sales and service offices, and

• employs over 650 local and home office sales and service representatives.

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More than a billion dollarsOver a three-year period, Sun Life:

• processed over 68,000 claims and • reimbursed $1.3 billion in claims

(Specific claims processing performance is based on year-end 2011 data. Claims processing and reimbursement data are from the 2009–2011 period.)

Specialization Depend on knowledge that produces specialized service and savings. It’s our way of partnering with you.

Specialized serviceSelf-funded employers deserve to work with professionals who understand the intricacies of self-funding. That’s why we created a sales, underwriting, and claims service model based on Stop-Loss specialization. When you talk with a Sun Life Stop-Loss specialist, you’re speaking to an expert.

Sun Life Stop-Loss sales specialists work with you to understand your self-funding strategy. They can knowledgeably assist you when it comes to choosing the right coverage, options, and services that best fit your needs.

You can be confident that our Stop-Loss underwriters and claims specialists know what they’re doing. They work only on stop-loss business. Our direct writer position (we don’t have to ask for a reinsurer’s approval to make decisions) combined with our stop-loss underwriting and claims expertise means that we can provide faster final responses to your underwriting and claims reimbursement requests.

What about direct customer service? Stop-Loss service specialists provide excellent support to you, your broker, and your third party administrator. Each specialist is assigned to a regional territory, which means you get focused attention.

SavingsAt Sun Life, we don’t just deliver excellent sales, underwriting, and claims service. We also deliver opportunities for you to save. Our Stop-Loss Case Management team is dedicated to finding ways to save you money. Stop-Loss Case Management analysts with clinical expertise can uncover cost-savings opportunities through hospital bill audits, negotiate with providers for out-of-network claims, and provide access to specialized provider networks at discounted rates. Every year, their work helps save millions of dollars for customers.

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1. Ratings are subject to change at any time. For the most current ratings, go to www.sunlife.com. The Sun Life Financial group of companies operates under the “Sun Life Financial” name. In the United States and elsewhere, insurance products are offered by members of the Sun Life Financial group that are insurance companies. Sun Life Financial Inc., the publicly traded holding company for the Sun Life Financial group of companies, is not an insurance company and does not guarantee the obligations of these insurance companies. Each insurance company relies on its own financial strength and claims-paying ability.

2. Information is as of year-end 2012.

3. Specific claims processing performance is based on year-end 2011 data. Claims processing and reimbursement data are from the 2009–2011 period.

Did you know? In addition to Stop-Loss, Sun Life also offers Group and Voluntary products including Life, Disability, Dental, and Critical Illness insurance. Imagine a full suite of employee benefits and one toll-free customer service line for all your employees’ benefits questions.

To learn more, call your Sun Life Stop-Loss Specialist.

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Solutions Get innovation and consultation in a strong product portfolio. We can help you grow with the right Stop-Loss solution for you.

InnovationSun Life has a history of developing innovative solutions to meet customer needs. Our dedication to the principle of innovation remains strong. From the pioneering SunExcel® Center of Excellence transplant program, to forward-thinking SunResources® cost-containment vendor networks, to the new SunEliteSM custom medical plan document review service. That’s not all. The popular No New Lasers at Renewal with Renewal Rate Cap option makes it easier to forecast health care budgets. Timely Affordable Care Act accommodations help align your Stop-Loss policy with medical plan requirements. It’s clear we deliver. And we’ll keep delivering.

ConsultationValue-added services and product features give you access to insights that make it easier to self-fund. All are designed to help meet specific self-funding needs. Call us and we’ll listen to what you need. Then, we’ll provide consultation by recommending a particular service or feature that best fits your need.

To learn how expert Stop-Loss solutions from Sun Life Financial can work for your company, talk to your broker or your Sun Life Stop-Loss Specialist.

Choose a policy that works for you

Specific and Aggregate products

Choose from a mix of product features to mitigate risk according to your self-funded strategy. Support that strategy by selecting from a wide variety of run-in and run-out reimbursement options.

Affordable Care Act (ACA) accommodations

Align your Stop-Loss policy with ACA medical plan requirements with:–Unlimited Lifetime Max option –Deductibles from $25,000 to $1.5M–Annual Max option –Dependent coverage to age 26

Alternative Care Provision Get reimbursed for certain expenses according to our Stop-Loss policy, based on Case Management’s recommendations, which can provide cost savings for your medical plan.

90-Day Early Rate Lock Make earlier decisions about choosing your Stop-Loss policy with locked-in rates that are available if you provide nine months of your claims data prior to the effective date.

Fee reimbursements Get reimbursed for certain fees according to our Stop-Loss policy based on Case Management’s hospital bill audits and out-of-network negotiations, which can provide cost savings for your medical plan.

Take advantage of consultation through value-added services

SunEliteSM Strengthen your self-funded plan strategy by using this medical plan document review service. Your custom SunElite report will analyze the plan’s cost containment, federal law compliance, and discretionary authority.

SunResources® Access this cost-containment network provider program at discounted rates, available exclusively to Sun Life customers and among the first of its kind. Each year, SunResources saves customers millions of dollars in combined claims savings.

SunExcel® Get opportunities for improved patient outcomes and significant savings through this pioneering transplant program, available exclusively to Sun Life customers.

SightlinesTM Tap into the extensive data analytics of Sightlines Medical Intelligence. Available to TPAs with 3+ Sun Life cases, it creates opportunities for medically sound, financially effective interventions.

Add optional features

Aggregating Specific deductible

Choose to manage more risk in order to reduce Stop-Loss premium costs.

Clinical Trials rider Get coverage for certain Phase II and Phase III clinical trials.

Laser option Choose to manage more risk related to certain employees who may have higher claims due to ongoing medical conditions in order to reduce Stop-Loss premium costs.

Terminal Liability rider Extend coverage for an additional three months following the termination of your Stop-Loss policy.

Bank on a comprehensive renewal approach for greater predictability

Predictable renewals Experience more consistent renewal costs over time through Sun Life’s pooled risk approach.

No New Lasers at Renewal option with Renewal Rate Cap

Avoid higher risk exposure due to individual catastrophic claims in the prior policy year with this innovative option.

No redisclosure requirement at renewal

Enjoy easier administration by not having to redisclose claims at renewal.

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One Sun Life Executive Park • Wellesley Hills, MA 02481 866-683-6334 • www.sunlife.com/us

Wake up to the benefit of our benefits. Sun Life has been helping people protect what they love for nearly 150 years. What’s different about our insurance?

Brighter choices. We offer you a variety of stop-loss, life, disability, dental, accident, cancer, and critical illness insurance, so you can customize the best plan for your company.

Brighter partners. We help communicate the true value of coverage through our plain language, education, and helpful services.

Brighter focus. We make employer and employee benefits our core focus, and every day we look at our customers’ needs to make our plans more practical and personal.

At Sun Life, we know that offering the right insurance is good for everyone. That’s why life’s brighter under the sun.

Visit us online: SunLife.com/us SunLifeKnowsBenefits.com

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Sun Life’s underwriting companies are direct writers and therefore retain 99.5% of the risk for Sun Life Specific Stop-Loss and 100% of the risk for Sun Life Aggregate Stop-Loss. Group stop-loss insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 07-SL. In New York, group stop-loss insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 07-NYSL REV 7-12. Sightlines™ Medical Intelligence is owned by Verisk Health. If a TPA chooses to use Sightlines™ Medical Intelligence, no software license is required between the TPA and Versik Health or the TPA and Sun Life. The TPA transmits and accesses its data through Verisk Health’s secure website. A TPA has access only to its own data; one TPA cannot access another TPA’s data.

© 2013 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

SLPC 24687 8/13 (exp.8/15)

Product offerings may not be available in all states and may vary depending on state laws and regulations.