Accident Insurance

Preferred Plan

Sun Life's Preferred Plan of accident insurance offers our widest range of covered benefits. Employers can choose among pre-set low, mid, and high benefits schedules or customize a schedule to best meet the needs of employees.

How does it work?

We pay a cash benefit to employees injured as part of a covered accident. The amount paid depends on the type of injury and related care, based on our benefits schedule.

Employees can use the money for any purpose, including:

  • Medical co-pays
  • Meeting high deductibles
  • Helping to replace a portion of wages due to time away from work

What's covered?

Sun Life's Preferred Plan pays a benefit, based on schedule, for:

  • Injuries - including fractures, dislocations, concussions, and more
  • Related care - including emergency room visits, x-rays, surgery and physical therapy
  • Loss - with Accidental Death and Dismemberment (AD&D) benefits up to $250,000

Looking for basic coverage? See our Accident, Essential Plan.


  • Guaranteed issue, always
  • No reductions for other coverage
  • Coverage for families, including high school and college athletes
  • Composite rates (no age-branding)
  • HSA-compatible
  • Portable (subject to state availability)
    • Optional Accident Disability Insurance Benefit for the employee and spouse 


  • Customized offering, including:
    • Pre-set low/mid/high benefits schedules
    • Ability to increase or decrease benefit amounts, or remove benefits
  • Robust benefits schedule
  • Financial protection for employees
  • Competitive group pricing
  • 24-hour or off-job
  • Value added services that may be requested by employer:
    • Emergency Travel Assistance
    • Identity Theft Protection

Accident Insurance is a limited benefit policy. It provides accident coverage only. It does not provide basic hospital, basic medical, or major medical insurance. The certificate and its riders have exclusions and limitations that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. The policy, certificate, and any rider, if applicable, may not be available in all states.

 Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01, 12-AC-C-01, 12-AC-R-01, and 12-AC-R-02, subject to state availability. Product offerings may not be available in all states and may vary depending on state laws and regulations. Accident insurance is not available in New York.


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