Group insurance only: Individual policies are not available in the United States so you can only get coverage if your employer offers it and you’re eligible.After leaving their employer, the insured will pay the premiums. Portable and convertible term coverage: When employees leave their companies or if they lose their eligibility for benefits, they can take their coverage with them or convert it to a permanent.Covers large companies: Coverage is available for companies with two to more than 25,000 employees.Few customer complaints: The company received fewer complaints than expected over the last three years.This means the company is in a superior position to honor its ongoing insurance obligations, such as paying claims. Superior financial strength rating: Sun Life earned an A+ (Superior) financial strength rating from AM Best.