Sun Life Go Simplified Term Life Insurance

This policy provides immediate insurance coverage until it ends. This is described under “When the temporary insurance policy ends (Termination)”.

If you die before we let you know of our decision on your application, we'll still pay the claim. It will be equal to the amount of life insurance you applied for. This is dependent on the conditions and exclusions set out below.

When the temporary insurance policy starts

The temporary insurance policy starts on the date you:

1. submit an application for insurance, and
2. provide the payment information.

A decision to accept or decline your application may take up to 90 days.

When the temporary insurance policy ends (Termination)

The temporary insurance policy automatically ends on the earliest of:

1. the date the insurance applied for starts,
2. the date we tell you that your application for insurance is declined,
3. 30 days after we asked for more information to underwrite your application and did not receive your response,
4. 90 days after you submit your application for insurance,
5. the date you ask us in writing to cancel your application for insurance,
6. the date you decline our offer of insurance or,
7. the date we pay the death benefit.

Amount we pay under this 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.

 Certificate of Temporary Insurance sample

This is available to you if you become terminally ill and only have 24 months to live. The payout is up to a maximum of 50% of your insurance amount. Approval for the living benefit is subject to the program rules in effect at the time of your request. Approval is at our discretion. Upon approval of the situation and required documents, we will issue the payment. When we receive a death claim on this policy, we will deduct the living benefit payment plus interest from the original coverage amount. Your monthly payments will not change. To see if you're eligible please call us at 1-800-669-7921.

The person making the claim must do so as soon as reasonably possible after the person covered by the policy passes away. To make a claim:

1. Call us at 1-800-669-7921 as soon as reasonably possible. This number is also listed at the beginning of the insured person’s policy. We’ll send you a form to complete.
2. Fill out the form and mail it to us at the address listed on the form. Be sure to include any information we ask for to assess the claim. This will include proof that the insured person passed away while the policy was in effect.

Some things to keep in mind:

• Doctors may charge a fee to fill out certain forms. The person making the claim is responsible for covering any fees.
• After we receive all the information we need, we’ll assess the claim within 5 business days. 
• After receiving proof required, within 30 business days we'll assess the claim and if approved, we'll pay the claim.