Minimize the financial impact of a serious illness. Take control today with critical illness insurance.

What would happen if you were suddenly

How is critical illness insurance different than life insurance?Life insurance provides money to your loved ones in the event of your death. But critical illness insurance provides money for YOU to help you manage expenses and focus on recovery, should you be diagnosed2 with a serious illness.

I have disability insurance. Why do I need this?Critical illness insurance is different: it provides a lump-sum payment2 that you can use in any way you want to help cover those expenses. Think of it as a second layer of protection in your overall health insurance plan.

There can be many expenses that arise during your treatment and recovery that are not covered by provincial health care plans. Disability insurance replaces a portion of your income in the event you can’t work due to an illness or injury — when additional medical bills need to be paid.

What is critical illness insurance?Critical illness insurance offers you a tax-free1 lump-sum payment2 in the event that you are stricken by a serious illness, such as cancer, heart attack, or stroke.

This insurance won’t protect you from getting sick. But it may help you deal with the additional costs of treatment and recovery that provincial health care plans don’t cover:

• Child care • Lost wages for yourself or a caregiver• New treatment options• Travel expenses such as transportation

and accommodation

When you have financial options, you have greater control over the impact a serious illness may have on your life.

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Sun Life paid out over $53 million in critical illness insurance claims in 2013.

Compare for yourself. See how critical illness insurance is different from disability insurance.

Critical illness insurance

Disability insurance

Lump-sum payment2 ✓ Benefit will be paid out over time while qualified

Tax-free1 ✓ Possibly, but not if your premiums are paid by your employer

Funds to use as you wish ✓ Yes, but often replaces only a

portion of lost salary income

No need to prove ongoing eligibility ✓ Medical evidence will be required

to remain eligible

How much does it cost?The rates for critical illness insurance are based on your age, gender and whether or not you smoke. Low group rates3 make critical illness insurance very affordable and the premiums will be conveniently deducted from your paycheque. See page 9 for details.

Get low group rate3 premiums for your spouse and children.

You can provide the same coverage for your spouse too. In addition, if you or your spouse purchase coverage, you can also get coverage for your children.5 This means you could take time away from work to help care for a seriously ill child or spouse, without worrying about lost income, or increased expenses.

You can purchase coverage for all your children for one low rate, regardless of the number of children you have.

What if I can’t work to pay for the coverage?You’ll continue to be covered while you’re on total disability under your group plan and we’ll waive your payments for that period of time. Please see your benefits booklet for the definition of total disability.

Enrol by <Date> and get up to $NEM of coverage with no health questions and no medical exam.4

Will it affect my other insurance coverage?No. Critical illness insurance will not change or decrease the coverage you may have under your benefits plan, like your health care or disability coverage. It pays you in addition to any other coverage you may have.

And, even though you buy this insurance through your group plan, you and your spouse can each keep up to $100,000 of coverage if you ever leave the company—and continue your coverage on your own!

Critical illness insurance can cost as little as $1 a day.

For less than what you spend on your morning coffee, you can give yourself this financial support, should you ever need it.

You don’t plan to get sick. But you can plan for your recovery. What is covered by critical illness insurance?

‡ Excluding non-life threatening cancers such as Stage 1A melanoma, non-metastasized, non-melanoma skin cancer, or Stage A (T1a or T1b) prostate cancer.

See your benefits administrator OR member enrolment tool for the Need to know flyer OR benefits booklet for a full list of medical definitions.

Your children are covered for the conditions above, plus these 6 child-specific conditions:

• 41% of women and 46% of men will develop cancer at some point in their lifetime. 63% of those people will survive 5 years or more.†

• 44% of patients need to dip into their savings and retirement funds to cover medical costs and lost income.††

Source: † Canadian Cancer Society, 2013. †† Canadian Breast Cancer Network & Study, 2010.

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• Alzheimer’s disease • Aortic surgery• Benign brain tumour• Blindness• Cancer‡

• Coma• Coronary artery

bypass surgery

• Deafness • Heart attack • Kidney failure• Loss of independent

existence• Loss of speech• Major organ failure

on waiting list

• Major organ transplant• Multiple sclerosis• Occupational HIV

infection• Paralysis• Parkinson’s disease• Severe burns• Stroke

• Cerebral palsy• Congenital

heart disease

• Cystic fibrosis• Down’s syndrome

• Muscular dystrophy• Type 1 diabetes

Frequently asked questionsQ. Can I get coverage

for my spouse? A. Yes, and at affordable

group rates.3

Q. Can I get coverage for my children?

A. Yes, provided that you or your spouse purchase coverage as well.

Q. What if I want more than $NEM in coverage? A. Contact your benefits administrator for a health statement. You’ll need

to answer health questions and return it to Sun Life. OR Simply fill out the health statement included in your kit and return it to Sun Life in the envelope provided OR at the address noted on the form.

Q. What does it mean to “survive” a critical illness?A. To qualify for a benefits payment, you must complete the survival

period. For most conditions, that’s the first 30 days following the date of diagnosis.

Q. If I’m diagnosed with a critical illness, how do I make a claim? A. As early as possible, contact us toll-free at 1-866-539-7678, or at

416-408-7390 and a Customer Service Representative will promptly send you a claim package to complete.

Q. How many claims can I make?A. The benefits payment is made once and for the first covered

condition only, at which point your coverage terminates.

Q. How long should I expect to wait before receiving my payout? A. Provided you complete the 30-day survival period, payout can be

expected within 60 days following your original diagnosis.

Q. What cancers are covered? A. Only new diagnoses of life-threatening cancers are covered.

Recurrence of cancer(s) diagnosed prior to the effective date of coverage and non-life threatening cancers are not covered. See page 5 for details.

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Q. What is the pre-existing condition clause? A. Simply put, no payments are made for conditions that existed before

your coverage takes effect. Our pre-existing condition clause covers the period of time starting 12 months before and ending 12 months after your coverage comes into effect. See page 11 for details.

Q. When does coverage end? A. Coverage ends when you make a claim for one of the covered

conditions, when you choose to terminate your coverage, or when you reach 65 OR 70 years of age, whichever occurs first. Refer to chart on page 10.

Q. What is the waiting period6 for cancer and/or benign brain tumour?A. A diagnosis of cancer or benign brain tumour within the 90 days

following the effective date of the coverage is not covered. However, insurance coverage for all other covered conditions, excluding cancer and/or benign brain tumour, will remain in force.

Q. How do I keep my coverage when I leave my employer?5

A. Call Sun Life at 1-877-893-9893 to get the process started. A customer service representative will review your options with you.

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Best Doctors is a medical diagnosis service that gives you additional options when you’re facing uncertainty about any medical decisions. This service can ease your burden by connecting you with medical experts world-wide who can help ensure you are receiving the best medical advice available. When it comes to your health, or the health of your immediate family, getting you the correct diagnosis and the best treatment matters most*.

To learn more about the Best Doctors services, please visit bestdoctorscanada.com or call 1-877-419-BEST (2378).

An additional benefit included with critical illness insurance from Sun Life.

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How do I apply? Need more coverage?

Optional Critical Illness InsuranceMonthly rates per $UNITS – 20 conditions

Age Band Male FemaleNon-smoker Smoker Non-smoker Smoker

18 - 29 $XX.XX $XX.XX $XX.XX $XX.XX30 - 34 XX.XX XX.XX XX.XX XX.XX35 - 39 XX.XX XX.XX XX.XX XX.XX40 - 44 XX.XX XX.XX XX.XX XX.XX45 - 49 XX.XX XX.XX XX.XX XX.XX50 - 54 XX.XX XX.XX XX.XX XX.XX55 - 59 XX.XX XX.XX XX.XX XX.XX60 - 64 XX.XX XX.XX XX.XX XX.XX65 - 69** XX.XX XX.XX XX.XX XX.XX

** Coverage above age 65 is renewable only. You must purchase coverage before age 65 to qualify for renewal.

Child Optional Critical Illness InsuranceMonthly rate per unit of $CHILD-UNITS

$X.XX – regardless of how many children you cover!

The definition of “child” is the same as it is for your other group benefits. You or your spouse need to purchase coverage in order to buy child coverage.

How to calculate your premiumExample: female, non-smoker, age 44

1. How much coverage do you need? $NEM

2. How many units is that? $NEM / $units = XX units

3. Find your rate! $rate

4. Units x your rate = your monthly premium XX units x $rate = $XX.XX

Applying is as easy as completing the enclosed YELLOW enrolment form OR your online enrolment. Below, you’ll find examples of monthly premiums. Remember: by enrolling today, you receive these advantages:

You and your spouse can each buy up to $MAX of Optional Critical Illness Insurance, from a minimum of $MIN, in units of $UNITS.

If you’d like more than $NEM of coverage, you can also apply for up to a total of $PLAN MAX!In addition to the YELLOW enrolment form OR online enrolment, you’ll also need to complete a health statement. This form is available by contacting your benefits administrator OR on your member enrolment tool. Complete and print the form and send it to Sun Life at the address you’ll find on the form.

The tables below can help you calculate how much additional coverage will cost for you and your family members:

Up to $NEM of Optional Critical Illness Insurance coverage

• Affordable group rates3

• Easy payroll deduction • No medical exam required4

When you have completed and signed your YELLOW enrolment form, return it to your Benefits

Administrator in the envelope provided.

Complete and sign the YELLOW enrolment form by <END DATE> OR Simply complete the online enrolment

by <END DATE>

Learn more. Call Sun Life 1-866-539-7678 Monday to Friday 8:30 a.m. – 5 p.m. E.T.

Age band Coverage Monthly premiumNon-smoker | Smoker

John Sample 30-34 $NEM $XX.XX | $XX.XX

Jane Sample 30-34 $NEM $XX.XX | $XX.XX

John Sample 45-49 $NEM $XX.XX | $XX.XX

Jane Sample 45-49 $NEM $XX.XX | $XX.XX

Sample monthly premiums

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Important details about critical illness insuranceWhen will coverage start?

• If you applied for coverage that did not require health information, the coverage start date will be <NEM effective date>.

• If you applied for coverage that did require health information, Sun Life will inform you and your employer if the coverage is approved, and when the coverage starts.

About coverage start dates• If you add to your existing coverage, or add coverage for your spouse or children, that coverage will

have its own start date. The pre-existing condition clause and the waiting period for cancer and/or benign brain tumour (see page 11) will need to be fulfilled separately for any new coverage.

• There is only one start date for child coverage — regardless of how many children you cover. • Use start dates to understand how waiting periods and pre-existing conditions influence

your coverage.

When will coverage end?

Pre-existing condition clauseA pre-existing condition is a condition that existed before your coverage start date. For any coverage that did not require health information, no benefit payment will be made for any covered condition that occurs within 12 months of the start date of the covered person’s coverage, and that resulted from any injury, sickness or medical condition (whether or not diagnosed) for which, during the 12 months before the coverage start date, the covered person:

• had symptoms, consulted a physician or other health care practitioner, or• was provided any health-related care, advice or treatment, or• would have consulted a physician or other health care practitioner, acting as

a reasonably prudent person with such injury, sickness or medical condition.

Waiting period6 for cancer and/or benign brain tumourThere is no coverage for cancer and/or a benign brain tumour of any type if, within the first 90 days after the coverage start date, the covered person:

• is diagnosed with cancer and/or a benign brain tumour,• has any signs, symptoms or tests that lead to a diagnosis of cancer and/or benign brain tumour.

However, coverage will stay in effect for all of the other covered conditions.

Waiting period6 for Child Optional Critical Illness InsuranceThe waiting period for child coverage begins 90 days before the child coverage start date, and continues 10 months after.During this waiting period, there is no coverage for any child who within 90 days of their birth:

• is diagnosed with a covered condition, or• has any signs, symptoms, or tests that lead to a diagnosis of a covered condition within

5 years of that child’s birth

Child coverage — putting it all togetherUse the chart below to see how child coverage would work in your family.Example: If you apply before <campaign end-date>, your start date for child coverage would be <effective date>.

Age of your child(ren) on <Insert effective date>: What rule applies to them?

• 90 days and younger• born within the next 10 months

• Waiting period for child coverage

• older than 90 days• children adopted and/or step-children added

within the next 10 months

• Pre-existing condition clause applies

After your child coverage has been in place for 10 months, any child you add to the plan is fully covered right away!

1 Based on current tax laws, we believe that any cash benefit from a group critical illness insurance plan will not presently be taxed when the premiums are paid for by the plan member and the benefit is payable to the plan member.

2 Diagnosis of a critical illness must occur after the effective date of coverage and you must complete a survival period (usually 30 days).3 Rates are calculated based on your age, gender and smoking status as of the effective date of coverage. Rates are reviewed every year, may change, and will increase as you move into the next age band. Premiums may be subject to applicable provincial sales tax.

4 If you do not answer medical questions at the time of application, the pre-existing condition limitation will apply to your Optional Critical Illness Insurance coverage.

5 If you lose coverage through a change in employment, marital status, or you retire, you and/or your spouse may be able to maintain your current amount of Optional Critical Illness Insurance, up to maximum of $100,000 (children may be able to maintain up to $20,000 in coverage), by calling Sun Life Financial at 1-877-893-9893 within 60 days of loss of coverage.

6 The “waiting period” is called a “moratorium” in your benefits booklet OR Need to know flyer.* If you only purchase Child Optional Critical Illness Insurance for your children, Best Doctors is not included. All representations about the services of Best Doctors are those of Best Doctors Inc., and not Sun Life Assurance Company of Canada. Sun Life Assurance Company of Canada cannot guarantee the availability of the services and reserves the right to cancel the services at any time.

** Renewal rates only. You must purchase coverage before age 65 to qualify for renewal.All claims must be approved by Sun Life Financial.This brochure provides a summary of coverage. For full terms, conditions, limitations and exclusions, please refer to the group policy of insurance. In the event of a discrepancy between this brochure and the policy, the terms of the policy take precedence.

Your coverage will end on the earlier of:

Your spouse’s coverage will end on the earlier of:

Your child’s coverage will end on the earlier of:

• the date you retire5; • the date your spouse no longer qualifies under the definition;

• the date your child no longer qualifies under the definition;

• the date you reach age XX; • the date you or your spouse reaches age XX, whichever is earlier;

• the date you/your spouse (under whose plan your child is covered) are no longer eligible for coverage;

• the date you no longer live in Canada;

• the date your spouse no longer lives in Canada;

• the date your child no longer lives in Canada;

• the date that money from the policy is paid out for the first covered condition;

• the date that money from the policy is paid out for the first covered condition;

• the date that money from the policy is paid out for the first covered condition (coverage will continue for the rest of your eligible children);

• the date your employment ends;

• the date your employment ends;

• the date your employment ends;

• the date the group contract ends;

• the date the group contract ends;

• the date the group contract ends;

• the end of the period for which premiums have been paid; or

• the end of the period for which premiums have been paid; or

• the end of the period for which premiums have been paid; or

• the date of your death • the date of your death, or the date of your spouse’s death.

• the date of your/your spouse’s death (under whose plan your child is covered) or the date of your child’s death

Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies.© Sun Life Assurance Company of Canada, 2015.VB-100-E-01-15

Need more

Call Sun Life at 1-866-539-7678 Monday to Friday, 8:30 a.m. to 5 p.m. E.T.

How has critical illness insurance helped Brenda and other Canadians?

Here are their stories. www.sunlife.ca/myCIstory

Life’s brighter under the sun

Critical illness insurance can help minimize the financial impact that an unexpected serious illness can have.

• Affordable group rates3

• Tax-free1 lump-sum payment2 • $NEM of coverage with no health

questions or medical exam4

Simply complete and return the YELLOW form OR the online enrolment before the

enrolment period ends.

Brenda’s Story As you know, stress is a big factor in heart disease. Critical illness insurance actually helped me sleep at night— I wasn’t lying awake worrying about money. If I didn’t take it, I don’t think my recovery would have gone as well. “ ”