Life Insurance


Basic and Supplemental Life/AD&D Enrollment/Change Form

Life Insurance Rates

Group Life Certificate

Evidence of Insurability Application

Death Benefit Claim Packet


Portability vs Conversion

Portability / Conversion Expectations

Notice of Group Life Conversion

Notice of Group Life Conversion and Portability

Portability Kit

Portability Application

Conversion Kit

Conversion Application

Basic Coverage

Eligible employees are covered by a group term life insurance policy with Sun Life Financial. Our life insurance policy includes accidental death and dismemberment benefits. These policies come with portability and conversion options upon termination of employment.

Upon employment, eligible employees have a basic term life coverage equal to their salary with Sun Life Financial. The basic life benefit reduces on a graduated scale beginning at age 70. Optional supplemental insurance coverage is available at a subsidized employee cost in amounts of one, two, three or four times your annual salary. The maximum death benefit varies by employee group.

For new employees, if completed forms are received by the HR Service Center within 30 days of the date of hire, coverage begins on the date of hire. Otherwise, coverage begins on the first of the month following receipt of the completed form. Coverage subject to Evidence of Insurability will be effective upon approval by Sun Life Finanical. 

Dependent Coverage

Eligible employees also have the opportunity to purchase life insurance for a spouse and/or dependent child(ren). Other eligible persons are eligible for spouse coverage. Eligible dependent children include any child claimed on your most recent income tax return, foster children to age 19 (or 25 if a full-time student) and disabled dependents over age 25. 

Life Insurance Over $50,000

The value of employer-paid group term life insurance in excess of $50,000 may generate income that must be included in your W-2 earnings. The amount of income is determined using an IRS table.

Taxable life premiums are collected once per month, so if you are subject to the tax, you will notice a fluctuation in your net pay.

For more information see this website:

Increasing Your Life Insurance

You can increase your insurance coverage to one of the following options:

  • the basic plus one times your salary,
  • the basic plus two times your salary,
  • the basic plus three times your salary, or
  • the basis plus four times your salary

To increase to any option, you may be required to complete a Evidence of Insurability Application, in addition to an enrollment/change form. Both forms must be submitted to Sun Life Financial for review. If your request is approved by Sun Life Financial, the change takes effect immediately. You will receive confirmation of the approval from the HR Service Center.

Reductions To Your Life Insurance

Beginning at age 70, life insurance coverage amounts (basic and supplemental) start to reduce to the following percentages:

  • Age 70 through 75 reduces to 67%
  • Age 76 through 79 reduces to 45%
  • Age 80 through 84 reduces to 30%
  • Age 85 or over reduces to 20%

Emergency Travel Assistance and Identity Theft Protection

Online Will Preparation

Create your own will online for free by using your legal and financial benefit from Sun Life Financial. The Online Will program enables you to select from several will formats and choose the one that applies to your personal situation and needs. Wills are state-specific. Online Will preparation is available at: (Must insert promo code located in the brochure).