Legal notice

This site is not an advertisement and is not intended as a solicitation for coverage. Insurance or Prepaid products and services are not available in all states. As with most insurance products, the policies described on this site have exclusions, limitations, reduction in benefits and terms under which they may be continued in force or discontinued. For more information, please consult the referenced contract.

The information contained on this web site is provided for general informational purposes and as a convenience to the customers of Sun Life. We make no representations or warranties about the accuracy or completeness of the information contained on this web site. The general information about our products and services contained on this site pertains only to the United States. Our products are not available in every state.

Legal terms and conditions

We require that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all these Terms and Conditions, he or she should not use the Site. 

Informational purposes only. 

The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from us. The information included on this Site is not an offer to sell any product in any state or other jurisdiction. 

No warranty

All information on this Site is provided to you "as is" without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site. Sun Life expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Sun Life has no obligation to update information on this Site, so such information may be out of date at any given time. Sun Life also may make improvements or changes in products described on this Site at any time without notice. 

Limitation of liability. 

We specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Sun Life has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstance will Sun Life be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site. 

No representation as to suitability. 

We make no representation as to the financial or other suitability of any product described on this Site for any User. 

Copyright and trademarks. 

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Sun Life or its subsidiaries or affiliates (collectively "Sun Life"). Users are prohibited from using any Mark for any purpose without the express written permission of Sun Life. 


The design, text and images of this Site are owned, controlled or licensed by Sun Life, of its subsidiaries or affiliates. Sun Life and/or its licensors retain all right, title, and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Sun Life or any of its licensors of any rights in such material and does not transfer any right to any User of the Site. 


The User may leave this Site and access other sites on the Internet that Sun Life does not maintain. Sun Life is not responsible for the content available on any other site on the Internet linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk. Should the User wish to link to a Sun Life site please complete the Linking Agreement. Note that Sun Life prohibits caching, unauthorized hypertext links to this Site and the framing of any services. 


Sun Life adheres to all state and federal laws regarding the privacy of any information submitted by Users of our web sites. This statement summarizes Sun Life's current practices on gathering and handling a User's personal information. Although some sites do contain links to other sites, Sun Life is not responsible for the privacy practices employed by the other sites or the contents of such sites. In addition, unless stated otherwise, Sun Life cannot guarantee the security of any data that is submitted through the Internet, which is an unsecured communications network.

As part of the normal operation of our site, we may collect a limited amount of information about your visit. The information we track includes the URL you just came from, which URL you go to after leaving our site, what browser you are using, and your Internet provider address. This type of information is tracked by many web sites in order to make sure that visitors are able to use the site information and functions successfully. Note of this standard tracking information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Use of cookie files. 

Some sites and pages within our Web sites use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about the User's or his or her use of our sites. A cookie cannot read data off the User's hard drive or read cookie files created from other sites. The User is free to decline our cookie if the User's browser has been set to prompt or decline cookies. 

Products not available in all States. 

The Products described on this Site may not be available in all states or other jurisdictions. 

Policy restrictions, limitations and terms. 

Products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, contact your local sales office. 

Use of site.

User may not reproduce, copy, sell, resell, or otherwise exploit for any commercial purpose this Site or any portion of this Site without the express authorization of Sun Life.

Laws and regulations. 

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations. 

Access to password protected or secure areas. 

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution. 

Forward-looking statements. 

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Sun Life cannot give assurance that such statements will prove to be correct.

Changes to terms and conditions. 

Sun Life reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions. 

Violations of terms and conditions. 

Sun Life reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site. 

Underwriting entities.

Benefits provided by or underwritten by one or more of the following companies:

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