Get a life insurance quote online

The cost of life insurance varies depending on your age, assigned sex at birth, smoking status, and how much life insurance coverage you're getting. The more information you give related to your health, the less an insurer typically charges for life insurance. If you are in good health, we encourage you to consider applying for a product that asks health questions or get a medical exam.

If you have any questions, you can speak with a Sun Life advisor by calling 1-844-528-0583 between Monday - Friday 8 a.m. - 8 p.m. ET.

Yes, you’ll have to answer some questions if you apply for $50,000 or more of life insurance. Questions generally require a yes or no answer. The purpose is to learn your medical history and find out if we need more information about you. Depending on your answers, we may ask for a medical exam.

Does Sun Life offer life insurance online with no medical exams?

Yes, you can get 2 types of life insurance coverage online without any medical exams.

• Guaranteed Life Insurance

  No medical questions asked. No medical exam is needed.

• Simplified Term Life Insurance

  We only ask 3 health questions during the online application. No medical exam is needed.

You may be able to skip medical exams for Term Life insurance if you’re:

• age 40 or below and healthy

• between the ages of 41-50, healthy, and applying for coverage up to $500,000

Underwriting determines if you’re healthy based on the responses to the health questions on your application.

Yes, you get instant temporary insurance coverage while we review your application.

Temporary coverage starts from the day you apply for policies with protection between $50,000 - $1,000,000. Coverage can last up to 90 days, and exclusions apply. Your temporary insurance will expire if you don’t respond to requests for additional information within 30 days. 

If you die before we let you know of our decision on your application, we could still pay the claim. The payout will be equal to the amount of life insurance you would’ve been approved for. The payment is dependent on the conditions and exclusions in the sample policy.

When the temporary insurance policy starts

The temporary insurance policy starts on the date you:

• submit an application for insurance, and

• provide the payment information.

A decision to accept or decline your application may take up to 90 days. During this time your temporary insurance coverage will apply. 

When the temporary insurance policy ends (Termination)

The temporary insurance policy automatically ends on the earliest of:

• the date the insurance applied for starts,

• the date we tell you that your application for insurance is declined, 

• 30 days after we asked for more information to underwrite your application and did not receive your response,

• 90 days after you submit your application for insurance,

• the date you ask us in writing to cancel your application for insurance,

• the date you decline our offer of insurance, or 

• the date we pay the death benefit.

Amount we pay under this temporary insurance policy (Conditions)

If you are under age 69, the total amount of any death benefit payable under any Sun Life Go life insurance policies is the lesser of $1,000,000 or the total amount of any death benefit applied for under this application.

Policy of Temporary Insurance sample 

Life insurance provides you with a benefit for the unexpected. You may end up paying more than the actual death benefit that goes to your beneficiaries.

For example, you're aged 48 and purchase $25,000 of Sun Life Go Guaranteed Life Insurance for $60 per month. By the time you reach age 82, you'll have paid more than your total death benefit. If your death happens before age 82 you'll have paid less for your death benefit.

Coverage for $25,000 or less starts when you complete your application online.

For life insurance coverage between $50,000 and $1 million, you get temporary coverage while we review your application. Your actual policy starts the first day of the month after we approve your application.

Yes, there are.

We won’t pay the death benefit if you take your own life, within the first two years, regardless of whether you had a mental illness or understood or intended the consequences of your action(s).

See all the exclusions and limitations by product in the sample policies below:

Sun Life Go Term Life Insurance sample policy 

Sun Life Go Simplified Term Life Insurance sample policy

Sun Life Go Guaranteed Life Insurance sample policy

You can cancel your policy at any time. If you cancel within 30 days of issue, we’ll refund your money.

To cancel your life insurance policy, mail a written request to:

Sun Life Assurance Company of Canada
P.O. Box 2001, Stn Waterloo
Waterloo, ON N3J 0A3

If you need to change or cancel your application, give us a call.

• Call: 1-844-528-0583

• Monday to Friday: 8 a.m. - 8 p.m. ET