How do I tell my Sun Life advisor I'm switching?

You don't have to switch overnight. Most NuvioLife employers stage the transition: layer NuvioLife on top during your current plan year, then non-renew the Sun Life portion at the next anniversary if you want a clean replacement. We can help you draft the renewal-letter response and time the cutover.

Will my employees lose their Sun Life network access?

Not unless you choose to fully replace the plan. In a hybrid layer, employees keep their Sun Life direct-billing for dental and paramedical and submit everything else through NuvioLife's snap-and-submit claim flow. In a full replacement, we walk through which network relationships matter most to your team before cutover.

How much does it cost to switch from Sun Life to NuvioLife?

Switching is free. You only pay what you fund into your NuvioLife wallets — there are no setup fees, no per-claim fees, and no implementation invoices. Most employers spend less in year one than they spent on the Sun Life premium increase alone.

How long does the migration take?

The NuvioLife side launches in approximately 15 minutes — four steps, fully self-service. The Sun Life unwinding is paced by your renewal date and broker contract. A typical hybrid layer is live the same week you decide to move; a full cutover is usually timed to the next plan anniversary.

Competitor comparison · Updated May 2026Average annual rate hike8–24%

Sun Life vs NuvioLife

Sun Life renews.NuvioLife doesn't.

You're paying premiums on coverage your team doesn't use. With NuvioLife, you fund only what you allocate — and your team actually uses it.

Compare side by side →

Built in Canada
·
5 wallets
·
3 funding methods
·
Same-day launch
·
No annual renewals

Wallets

HSA · LSA · PSA · FIN · WFH, only platform with all five.

Time to switch

~15 min

Self-service onboarding, no broker or insurer required.

Annual renewals

No insurer, no rate hike, no negotiation. Plan runs on your terms.

The headline gap

5 years of Sun Life. 5 years of NuvioLife.

5-year cumulative spend for a 50-employee plan starting at $50,000/yr. Sun Life compounds at the carrier-typical 12% annual renewal increase. NuvioLife stays flat — you set the budget, every year.

Year 1

Year 2

Year 3

Year 4

Year 5

$50k

$56k

$63k

$70k

$79k

Sun Life

$50k

NuvioLife

5-year cumulative, Sun Life

$317,847

Compounded at ~12% YoY, the carrier-typical renewal increase.

5-year cumulative, NuvioLife

$250,000

Flatline. You set the budget. Same number, every year, forever.

Honest read on Sun Life

Three things Sun Life legitimately gets right.

We don't pretend they're worthless. The rest of this page is sharper because of it.

Today: still a credible player

Sun Life

We’ve sat across the table from Sun Lifecustomers for years. Here’s what we tell them they’re right to value.

01
A national brand with one of the deepest provider networks in Canada — your dental and paramedical practitioners almost certainly already direct-bill them.
02
Mature group LTD and life-insurance products that pair cleanly with their core medical plan.
03
A long-established advisor channel that does the heavy lifting if you already work with a benefits broker.

...but here’s where the gap is.

Where NuvioLife wins

Three places NuvioLife pulls decisively ahead of Sun Life.

Honest read on the platform-level gaps. Each one shows up in onboarding the same week you switch, and each one links to the part of the platform that proves it.

Win 01

Renewal-free vs annual rate hikes

Sun Life renews every 12 months — premiums climb 8–24% per cycle whether utilization moved or not. NuvioLife has no insurer, no renewal letter, no negotiation. The plan runs on your terms forever.

See the renewal-free model

Win 02

Five wallets vs one bundled HSA

Sun Life's HSA only exists as an add-on to a flex plan. NuvioLife ships HSA, LSA, PSA, financial wellness, and work-from-home as five first-class wallets your team picks from on day one.

See all five wallets

Win 03

~15-minute launch vs 3–6 month implementation

Sun Life onboarding requires broker mediation, underwriting, and quarterly billing setup. NuvioLife is a four-step self-service flow most employers finish in a single 15-minute session.

See the four-step setup

Side by side

The Sun Life comparison your sales rep won’t show you.

10 capabilities. Two columns. The rows where NuvioLife is decisively ahead carry a coral border on the left so you can scan the wins in five seconds.

Capability-by-capability comparison of NuvioLife and Sun Life, covering 10 capabilities.
Capability	NuvioLifeAlways wins	Sun Life
Annual renewal cycle	None — ever	Every 12 months
Rate-hike exposure	0%	Typical 8–24% per cycle
Number of wallets	5 (HSA + LSA + PSA + FIN + WFH)	HSA bundled in flex plan
Financial Wellness Wallet (FIN)	Yes	No
Work-From-Home Wallet (WFH)	Yes	No
Funding methods	Credit card · EFT · Interac e-Transfer	Premium billing only
Time to launch	~15 minutes	3–6 months with broker
Live executive dashboard	11+ live KPIs, real-time	Quarterly PDF report
Multi-plan builder by department or seniority	Unlimited concurrent plans	Limited tiers
Reimbursement speed	Hours	5–10 business days

The verdict

Of 10 capabilities compared, NuvioLife leads on 10. Sun Lifedoesn’t lead on a single one.

Sources: public Sun Life disclosures and 2026 platform feature data. Updated May 2026.

Migration narrative

The 12-month renewal sprint, without the renewal.

Most Sun Life employers stage the transition. Layer NuvioLife in this week. Decide on full replacement at next renewal. Zero insurer approval required for the layer.

M0
NuvioLife signed
Self-service onboarding the same day. No insurer permission required to add the layer.
M1
Employees onboarded
Bulk CSV invite + magic-link login. Snap-and-submit claim app live across the team.
M2
First claims paid
Reimbursements land in employee accounts in hours. The new wallets get visible adoption.
M3–M11
NuvioLife layered alongside
Your existing dental + paramedical network stays exactly where it is. NuvioLife covers the modern five-wallet flex layer.
M12
Drop the renewal
When the renewal letter arrives, decline it. We help draft the response and time the cutover so nobody loses coverage.

M0
NuvioLife signed
Self-service onboarding the same day. No insurer permission required to add the layer.
M1
Employees onboarded
Bulk CSV invite + magic-link login. Snap-and-submit claim app live across the team.
M2
First claims paid
Reimbursements land in employee accounts in hours. The new wallets get visible adoption.
M3–M11
NuvioLife layered alongside
Your existing dental + paramedical network stays exactly where it is. NuvioLife covers the modern five-wallet flex layer.
M12
Drop the renewal
When the renewal letter arrives, decline it. We help draft the response and time the cutover so nobody loses coverage.

ALT

Or, branch off month 0

Full replacement in 15 minutes.

Some Sun Lifeemployers don’t want to wait. We help you draft the renewal-decline letter, time the cutover, and migrate balances so nothing falls through the cracks.

From a switched-from-Sun Life customer

“The renewal letter is the moment we started looking. The five wallets are the reason we stayed. NuvioLife runs on our terms now, not the insurer’s.”

Customer story coming soon, talk to sales for case studies.

Migration questions · Sun Life

Switching from Sun Life? Here is what HR and finance ask us most.

Each answer reflects how a real Canadian employer made the move. Anything we missed lands on the demo call.

Yes. The most common Sun Life migration is a hybrid layer — keep your existing Sun Life dental and paramedical plan, then add NuvioLife on top as the flexible spending layer for HSA top-ups, LSA, PSA, financial wellness, and work-from-home. Your team gets modern flexibility without losing direct-billing relationships, and you eliminate rate-hike exposure on the NuvioLife portion.

Live answer in 60 seconds, call 1.800.891.8093 or book a demo.

Ready when you are

Switch from Sun Life in 15 minutes.

Book a 20-minute demo and we’ll walk your team through the dashboard, design your first plan live, and time the cutover so nobody loses coverage. Or jump straight in and launch your first wallet today.

Get started for free

0130-min onboarding call
02Plan design walkthrough
03Connect to existing payroll
04Live in 14 days

Two ways to start

Make the move from Sun Life.

Free to start, fund only what you allocate
$100 funding bonus on first deposit
No credit card required to design a plan

Talk to a Canadian sales specialist · 1.800.891.8093

FIN Wallet — financial wellness

The Complete Guide to NuvioLife's 5 Customizable Wallets: HSA, LSA, PSA, FIN & WFH