Voluntary Benefits

You have the option to supplement your firm-paid coverage by purchasing additional life insurance for yourself, your spouse/domestic partner and your children. You are required to purchase coverage for yourself in order to enroll your eligible family members.

Visit Sun Life Benefits Explorer or call 800-247-6875 for more information.

• Employees can elect up to $1,450,000 in increments of $10,000
• Spouse/Domestic Partner coverage can be purchased in increments of $5,000, up to $250,000
• Child coverage can be purchased in increments of $5,000, up to $50,000

Evidence of Insurability (EOI)

EOI, or proof of good health, is required if:

• You decline coverage during your initial eligibility period and enroll at a later date.
• You apply for insurance in excess of the guaranteed issue amount.
• You increase your existing coverage by more than $30,000 or above the guaranteed issue amount ($500,000 for all employees).

Sun Life Financial will notify you if you need to submit an EOI. If an EOI is required, Sun Life Financial may arrange for you to take a medical exam (at the insurance company’s expense) and/or complete a medical questionnaire.

IMPORTANT: If you’re required to complete an EOI, coverage will not go into effect and payroll deductions for the benefit amount requiring EOI will not begin until Sun Life Financial approves the application.

Voluntary Life Insurance Rates

You pay for this coverage through per-pay period post-tax payroll deductions. Employee rates are determined by your age and tobacco status. Spouse/Domestic Partner rates are determined by your age and their tobacco status.

To determine your monthly cost, take the requested amount and divide it by 1,000. Then, multiply that number by the rate. For example: $120,000 / 1,000 x $.063 = $7.56