SunHealth LovePromise

Benefit term: Whole life / Individual benefits have age limits; see brochure.Public source · Checked: 12 Oct 2026

Recorded features: 32 juvenile illnesses / Additional benefit for designated cancers / SafetyNet benefit for qualifying complex surgeryPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Premium payment terms: 10 years / 15 years / 20 years / 25 yearsPublic source · Checked: 12 Oct 2026

Basic-plan premiums are not expected to rise with age, but may be revised at policy anniversaries for groups with similar risk profiles. Review factors include actual and expected claim costs, expenses, investment performance and surrender experience.Public source · Checked: 13 Oct 2026

Examples for non-death benefits: deliberate self-harm and criminal acts. Other exclusions and benefit-specific exceptions apply; see the complete list.Public source · Checked: 13 Oct 2026

Early termination may return substantially less than the premiums paid.Public source · Checked: 13 Oct 2026

Surrender value comprises guaranteed cash value, the cash value of any Special Bonus and other amounts held by Sun Life, less loans with interest.Public source · Checked: 13 Oct 2026

The insurer must receive your signed written cancellation request within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded only if no policy payment has been made before the request.Public source · Checked: 13 Oct 2026

Optional CI Income Plus provides additional cover for the first major-stage critical illness or SafetyNet Protector event. The basic plan also lists a free Worldwide Emergency Assistance rider.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Owner and insured sign the CI form; obtain the applicable physician statement and submit evidence.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Owner ID, original receipts / hospital statement, doctor’s statement and relevant discharge, referral and diagnostic reports.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Submit within 90 days of diagnosis.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: In person or by mail to the Client Service Centre.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: Premium autopay bank account, FPS or cheque by mail / advisor.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: 7 working days to the first pending notice / result; documents, complexity and medical-provider responses affect actual time.Public source · Checked: 13 Oct 2026