Life insurance you can buy online

Get insurance with a monthly cost that’s guaranteed not to change for the first 10 years. You can choose how much you need: $50,000, $75,000 or $100,000.

You should consider simplified term life insurance if:

  • You want life insurance you can quickly and easily apply for online.
  • You don’t mind answering 3 simple questions about your health.

Understanding the cost of life insurance

The more information you provide about yourself, the less an insurer typically charges you for insurance. Sun Life Go Simplified Term Life only asks 3 questions about your health when you apply so the cost of this type of insurance is typically higher when compared to other life insurance that asks more health questions. If you are in good health, we encourage you to consider applying for a product that asks more health questions like term life insurance.

Policy details:


  • You must be between 18 and 69 and live in Canada.

Guaranteed premiums

Your monthly payments are guaranteed to stay the same for the first 10 years. After that, they will increase each year based on your age, but we won’t ask you any questions about your health.

Coverage amounts

  • $50,000, $75,000 or $100,000

Term available

  • 10 year term


  • If you take your own life within 2 years of the date your policy takes effect, we won’t pay the claim. We will, however, refund all monthly payments paid up to then, minus any fees.
  • If you submit several applications for Sun Life Go Simplified Term Life insurance, your total insurance amount cannot be more than $100,000.

Additional benefits

If you’re diagnosed with a terminal illness, you may be eligible to take a lump-sum advance up to 50% of what your policy will pay when you die (your policy’s “death benefit”). This isn’t a part of your contract, but is a benefit that we can choose to offer.

If you look over your new policy and decide it doesn’t meet your requirements, you can cancel it with no obligation within 30 days of issue, and we will refund your money.

Sample policies

Read examples of text that can appear in a policy. These examples are for your reference only – when we issue your policy, the text in that policy will govern the relationship between you and Sun Life Financial.

  Sun Life Go Simplified Term Life Insurance sample policy

Sun Life Go Accidental Death Insurance

You could leave more money for your loved ones with Sun Life Go Accidental Death Insurance, which can pay a tax-free benefit if you die within 90 days as a direct result of an accident. You can get up to $500,000 of additional insurance without answering any questions about your health.

Learn more about Sun Life Go Accidental Death Insurance