As an industry leader and as your best partner in stop-loss, we are proud to provide you with our exceptional library of research, insights, and education on health and risk solutions for self-funded employers. Our goal is to deliver a best-in-class experience for Brokers and Clients. Learn more about the various ways to participate in our Sun Life Stop-Loss and Health Education offerings, all of which are available at no cost to you!

Sun Life Stop-Loss and Health Education Offerings

Monthly aggregate accommodation

Terminal Liability rider

SunExcel

Aggregating specific deductible

Cancer rider

Experience rating refund

No New Laser with rate cap

Mirroring

Choose a term below to see the definition.

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As soon as you exceed the accumulated monthly attachment point, your plan administrator sends in an accommodation request, and we send that amount to you. At the end of the policy period, one calculation will be made (comparing the total aggregate paid claims to the aggregate attachment point) to determine if the employer must refund any portion of the monthly accommodations made during the policy period.

Reduce the financial impact of monthly claim volatility on your self-funded plan with the Monthly Aggregate Accommodation option. This option helps limit your monthly aggregate claim liability by providing an accommodation for amounts that exceed the accumulated monthly attachment point.

Monthly aggregate accommodation

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TLO extends Stop-Loss coverage for 3 months immediately following policy termination.

Our Terminal Liability option (TLO) provides extra protection for a policy. In the event that the Stop-Loss policy is cancelled, our TLO places a cap on the plan’s claim liability.

Terminal Liability rider

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Flexibility to use your TPA’s preferred transplant vendor and still qualify under the program

Employer reimbursement of up to $5,000 for travel and lodging if covered under the medical plan

A stop-loss Specific deductible reduction of up to $10,000 per transplant

To help manage transplant costs, anytime your Third-Party administrator places a transplant contract with a nationally recognized transplant vendor, Sun Life will provide you with:

SunExcel

Want to learn more?

1. Source: Sun Life book of business data through 2019.

of our book of business has the aggregating specific deductible as an additional layer of protection

1/4

Nearly

The Aggregating Specific deductible is simply an additional deductible that must be met before we begin to pay Specific claims. The employer meets the deductible with claim amounts that exceed the Specific deductible.

Aggregating Specific Deductible

Aggregating specific deductible

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1. Source: Sun Life book of business data, 2016–2019

Since inception, Sun Life Stop-Loss has made over $1 million in additional reimbursement to our clients through the Employer Cancer Benefit.

With cancer being a leading cause of high-cost claims, it is important for employers to develop a strategy to address the potential high costs of cancer. For employees, the Critical Illness and Cancer product benefits them directly if they, or one of their dependents, gets diagnosed with a covered condition. There are no restrictions on how this money can be used by the employee. The Sun Life Stop-Loss Cancer rider provides a specific Stop-Loss deductible reduction, resulting in an increased reimbursement to the employer.

Cancer rider

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Illustration of a circle with a dollar sign in it

One of the advantages of self-funding is the opportunity to save when claims run lower than expected. Self-funded employers can also be rewarded for positive claim experience through their stop-loss policy. Add the Experience Rating Refund Endorsement so you get the opportunity to receive a portion of your stop-loss premium dollars back.

Experience rating refund

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Photo of a smiling African American business woman

1. Source: Sun Life book of business data through 2019.

of our clients have no new laser with rate cap as a part of their policy

80%

Almost

A “laser” is a higher deductible, a coverage limit, or an exclusion placed on an individual who has incurred or may incur large health care claims. With this option, when the policy renews, no new lasers will be applied to the renewal policy year, unless requested by the policyholder.

No New Laser with rate cap

Photo of a smiling African American business man

1. Source: Sun Life book of business data through 2019.

of our clients have the mirroring endorsement

75%

Over

The Sun Life mirroring endorsement covers claims paid in accordance with the terms of the plan that are incurred and paid during the Claims Basis, subject to certain limited exclusions generally involving plan administration expenses and expenses not payable under the plan.

Mirroring

Are you a broker? We have several detailed presentations and resources for you

We have 7 different courses available! As part of the Stop-Loss and Health CE program, one CE credit is given for each hour-long course, and presentations are available virtually and in person.

Are you looking to get CE credits while learning more about self-funding and stop-loss?

Sun Life Stop-Loss and Health Education Certification

Sun Life Stop-Loss and Health* Continuing Education (CE)

Sun Life Stop-Loss and Health Education

This most recently added program is a self-service education portal, where you can access a variety of educational content, available to you at any time. This program allows you to work at your own pace and access courses, product videos, and interactive experiences. Through this program, you can easily compete with fellow brokers within your firm. At the end you will receive a Sun Life Stop-Loss Certification. We estimate this course to take less than 10 hours to complete. Advanced level courses are also now available on the portal! To learn more click here. Do you have clients that are interested in learning more about self-funding and stop-loss? Check out our employer version of this certification here.

Do you want live, small group presentations from your Stop-Loss Specialist?

Sun Life Stop-Loss Product Features

Reach out to your Stop-Loss Specialist for more information or to schedule a meeting today!

Part of designing the right stop-loss plan includes selecting product features that give you the protection you are looking for. Below are a few of Sun Life’s product offerings that allow you to customize your coverage!

Our internal team of Stop-Loss Specialists offer on average 30-minute presentations on a variety of stop-loss topics, including captives funding arrangements, using benchmarking data, employer decision points around stoploss, and more!

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 REV 7-12 and 22-SL. In New York, Group stop-loss insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 07-NYSL REV 7-12 and 22-NYSL. Policy offerings may not be available in all states and may vary due to state laws and regulations. Not approved for use in New Mexico. © 2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GSLCR-10896 #1289976143 01/24 (exp. 01/26)

Do you want to learn about self-funding and stop-loss at your own pace and receive a certificate when all courses are completed?

Please note that not all reps are qualified to give CE presentations. Reach out to your Stop-Loss Specialist to see if they are approved.

See our interactive Stop-Loss and Health Education Library for a more detailed description of all available broker education presentations. You can also view this flyer on our self-funding and stop-loss education library.

#1289976143

Sun Life Stop-Loss and Health* Continuing Education (CE)

The Super CE program consists of various aspects of U.S. healthcare, self-funded health plans, stop-loss insurance, and ethical practices in the insurance industry. To complete the program and earn 12 CE credits, brokers must pass a short exam.

Sun Life Super CE

Click here to learn more!

• Stop-Loss Rep: Jeffrey Tunkel • Client Manager: Jennifer Suess

Wisconsin

• Stop-Loss Rep: Brian Partridge • Client Manager: Keanaha Abrams

Washington

• Stop-Loss Rep: Scott Townsend • Client Manager: Michael Ryan

West Virginia

• Stop-Loss Rep: Christopher Emerick • Client Manager: Marlene Campbell-Biggs

Virginia

• Stop-Loss Rep: Zach Smith • Client Manager: Rolanda Chance

Utah

Austin, Georgetown: • Stop-Loss Rep: Emily Rogers • Client Manager: Kate Joy Addison, Dallas, Waco: • Stop-Loss Rep: Ryan Nystrom • Client Manager: Max Holiver Houston, Sugar Land: • Stop-Loss Rep: Matt Hershberger • Client Manager: Maria Solis Lubbock, Midland: • Stop-Loss Rep: Andrew Taylor • Client Manager: Richard Ventola San Antonio, Weslaco: • Stop-Loss Rep: Chris Gilbert • Client Manager: James Kopp

Texas

• Stop-Loss Rep: Brad Mathews • Client Manager: Aletha Billingsley

Tennessee

• Stop-Loss Rep: Geoff Kragness • Client Manager: Mario Rios

South Dakota

• Stop-Loss Rep: Payton Brady • Client Manager: Cindy Sords

South Carolina

• Stop-Loss Rep: Laura Robert • Client Manager: Max Holiver

Rhode Island

Bryn Mawr, Radnor, Jenkintown: • Stop-Loss Rep: Adam Noce • Client Manager: Thomas Carrabis Mechanicsburg: • Stop-Loss Rep: Ryan Blasz • Client Manager: Jason Conidi Pittsburgh & Dillsburg: • Stop-Loss Rep: Scott Townsend • Client Manager: Michael Ryan

Pennsylvania

Oklahoma City • Stop-Loss Rep: Andrew Taylor • Client Manager: Richard Ventola Tulsa • Stop-Loss Rep: Zach Smith • Client Manager: Jessica Uliasz Kenel

Oklahoma

• Stop-Loss Rep: Joel Albright • Client Manager: Ann Irish

Ohio

• Stop-Loss Rep: Brendan Clark • Client Manager: Cindy Sords

North Carolina

New York & Jericho: • Stop-Loss Rep: David McLaughlin • Client Manager: Jason Conidi Albany & Latham: • Stop-Loss Rep: Eric Burckhardt • Client Manager: Marlene Campbell-Biggs Fairport, North Syracuse, Rochester: • Stop-Loss Rep: Laura Robert • Client Manager: Max Holiver

New York

Cherry Hill, Princeton, Mount Laurel, Cranford, Marlton: • Stop-Loss Rep: Tom Nauta • Client Manager: Thomas Carrabis Whippany, Montvale, Short Hills: • Stop-Loss Rep: David McLaughlin • Client Manager: Jason Conidi

New Jersey

• Stop-Loss Rep: Ryan Slattery • Client Manager: Mark McDonough

Nebraska

• Stop-Loss Rep: Richard Schneeweis • Client Manager: Maria Solis

Mississippi

Saint Louis & Kansas City: • Stop-Loss Rep: Steve Barreca • Client Manager: Gil Pires Springfield & Kansas City: • Stop-Loss Rep: Ryan Slattery • Client Manager: Mark McDonough

Missouri

• Stop-Loss Rep: Geoff Kragness • Client Manager: Mario Rios

Michigan

• Stop-Loss Rep: Geoff Kragness • Client Manager: Mario Rios

Minnesota

• Stop-Loss Rep: Laura Robert • Client Manager: Max Holiver

Maine

• Stop-Loss Rep: Kim Berube • Client Manager: Jennifer Suess

Massachusetts

• Stop-Loss Rep: Christopher Emerick • Client Manager: Marlene Campbell-Biggs

Maryland

Baton Rouge & New Orleans: • Stop-Loss Rep: Chris Gilbert • Client Manager: James Kopp

Louisiana

• Stop-Loss Rep: Ryan Slattery • Client Manager: Mark McDonough

Kansas

• Stop-Loss Rep: Tara Mittleman • Client Manager: Jessica Uliasz Kenel

Kentucky

• Stop-Loss Rep: Ryan Slattery • Client Manager: Mark McDonough

Iowa

• Stop-Loss Rep: Tara Mittleman • Client Manager: Jessica Uliasz Kenel

Indiana

Chicago, Itasca, Naperville, Rolling Meadows, South Barrington, St Charles: • Stop-Loss Rep: Kevin O'Neil • Client Manager: Kelly Cavagnaro Rockford: • Stop-Loss Rep: Michael Zellner • Client Manager: Jessica Uliasz Kenel Morton, Peoria: • Stop-Loss Rep: Steve Barreca • Client Manager: Gil Pires

Illinois

• Stop-Loss Rep: David Underwood • Client Manager: Richard Ventola

Idaho

Atlanta • Stop-Loss Rep: Doug Epps • Client Manager: James Kopp

Georgia

Clearwater, Jacksonville, Lake City, Melbourne, Neptune Beach, Orlando, Tampa, Tallahassee: • Stop-Loss Rep: Brad Mathews • Client Manager: Aletha Billingsley Boca Raton, Delray Beach, Ft. Lauderdale, Miami West Palm Beach: • Stop-Loss Rep: David Chioladze • Client Manager: Michael Ryan

Florida

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Delaware

Windsor • Stop-Loss Rep: Brian Barry • Client Manager: Gil Pires

Connecticut

• Stop-Loss Rep: Zach Smith • Client Manager: Rolanda Chance

Colorado

Lafayette, Larkspur, Newport Beach, San Diego, San Francisco, Visalia: • Stop-Loss Rep: Aric Goodman • Client Manager: Rolanda Chance Glendale, Irvine, Los Angeles: • Stop-Loss Rep: Kai Tabisola • Client Manager: Lara Perez

California

• Stop-Loss Rep: Richard Schneeweis • Client Manager: Maria Solis

Arkansas

• Stop-Loss Rep: Brady Myers • Client Manager: Mario Rios

Arizona

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Alabama

Scroll down or click here to check out our Education Library!

Click here if you'd like to download or share our flyer on stop-loss and health education offerings!

Additional resources:

Click here for more Broker Education Resources!

Benchmarking overview

2025 High-cost claims and injectable drug trends analysis

Clinical 360

Gain insights on top claim conditions, million-dollar claims, injectable drugs, and trends we are seeing since the COVID-19 pandemic.

High-cost claims and injectable drug trends External Presentation

Make informed stop-loss decisions about coverage and potential claim implications using Sun Life's high-cost claims and injectable drug trends report and benchmarking data in an interactive experience.

Using data to create a successful Stop-Loss plan – Interactive Experience

Learn more about Sun Life's Clinical 360 and Health Navigator offerings, including case studies and success stories!

Strategies for improving care and cost outcomes

Learn about the role that cost-containment and care optimization play in saving self-funded employers time and reducing costs.

The importance of cost-containment and care optimization

Navigating the complex healthcare system can be challenging: Learn how Health Navigator has positively impacted our members and their health outcomes.

The importance of care navigation and health advocacy

Get to know the rate setting and renewal underwriting process in addition to what to expect at your first-year renewal.

Renewal underwriting and setting rates

Review what goes into requesting a stop-loss quote, case level factors that impact rates, and new business underwriting process.

Rate setting and new business underwriting

Review a case study demonstrating the importance and value of benchmarking, as well as the key components of the Sun Life Benchmark report.

Using benchmarking data- Case study

As an extension to traditional funding arrangements, learn more about why employers may want to consider level funding and reference-based pricing.

Other funding arrangements- Level funding and Reference-based pricing

Learn more about captives, their program structures, why employers choose this funding arrangement, and what Sun Life can do as your captive fronting carrier.

Other funding arrangements- Captives

Explore stop-loss contracts, such as cash flow protection, key features, and other considerations.

Contract types and cash flow options

Learn more about our stop-loss product features, including mirroring, no new lasers, terminal liability (TLO) and more!

Stop-loss product features

What funding arrangements exist, who administers claims, and stop-loss basics, including the options between bundles and unbundled stop-loss solutions.

Employer decision points around stop-loss

What is stop-loss, what factors impact stop-loss rates, and how you can buy stop-loss, including both specific and aggregate options to consider.

Important role stop-loss plays in self-funding

Get an overview of self-funding, the key benefits, employer insights and key decision points.

Self-funding overview

Description for:

15. High-cost claims and injectable drug trends (External Presentation)

14. Using data to create a successful stop-loss plan

13. Strategies for improving care and cost outcomes

12. The importance of cost containment and care optimization

11. The importance of care navigation and self-advocacy

10. Renewal underwriting and setting rates

9. Rate setting and new business underwriting

8. Using benchmark data: Case study

7. Other funding arrangements: Level funding and Reference-based pricing

6. Other funding arrangments: Captives

5. Contract types and cash flow options

4. Stop-loss product features

3. Employer decision points around stop-loss

2. Important role stop-loss plays in self-funding

1. Self-funding overview

Interested in learning more about our Broker Education series? Click into a topic on the left to see a description of what is in each presentation.

Sun Life Stop-Loss and Health Education Library