Choosing a Stop-Loss Partner

Choosing a Stop-Loss Partner
October 18, 2018 Unland

Thinking about self-funding? Better think about stop-loss insurance.

If you want to save money by self-funding your employee benefit plans without the danger of unexpected, catastrophic losses, you’re not alone. Even many smaller companies are exploring this option nowadays. The Unland Companies and Sun Life know that today, many employers and brokers are exploring the self-funding option:

Risks and rewards

As always, this insurance comes with a lot of options that can be complicated. How to make the right choice that saves money without undue risk? That’s where a good broker like the Unland Companies comes in, with the right tools and information to help you make the right choices.

Choosing the right stop-loss partner

The Unland Companies partners with Sun Life, a leading independent U.S. stop-loss carrier that has more than 35 years in the stop-loss business, strong financial ratings and the ability to reimburse even the largest high-cost claims quickly.


In addition, Sun Life offers educational modules for brokers and employers, a Stop-Loss Benchmark Report for all clients that provides unbiased, rich data across case sizes, industries and claim administrators, and thought leadership, including insights on high-cost claims, injectable drugs and the value of a group captive solution. A new program that will help employers monitor and manage costs associated with their self-funded medical plan is Sun Life’s Stop-Loss Clinical 360 program. This program pairs clinical experts with programs and tools to proactively identify savings opportunities, and it is available to all Sun Life stop-loss clients.

Why Sun Life?

Sun Life has the expertise you’re looking for, including 4.2 million covered lives, 2,100 policy holders and $1.4 billion in premiums. (Source: Sun Life Financial book of business data, 2017.) You can trust Sun Life to put its expertise to work for you.

What’s the next step?

Contact the Unland Companies today and start learning about your options for self-funding.


1. Sun Life Broker and Employer Voices Online Community surveys. This is a research tool that gains insights from a group of over 300 brokers and 200 employers. Brokers and employers are asked to provide feedback on topics pertaining to their experience in the insurance industry and with Sun Life products and services.

2. 2016 Employer Insights research study sponsored by Sun Life and conducted by Chadwick Martin Bailey. The blind study included decision-makers for companies that had from 50 to 999 employees and offered medical benefits to all their full-time employees.

3. 2018 Self-funded Employer Journey research sponsored by Sun Life and conducted by Conifer Research.

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. 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. Product offerings may not be available in all states and may vary depending on state laws and regulations.

© 2018 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit Sun Life at