The more information you give related to your health, the less an insurer typically charges for life insurance. We don’t ask any questions about your health when you apply for Sun Life Go Guaranteed Life Insurance. As a result, it can cost more than other types of life insurance that do ask about your health. It's also a higher cost than term insurance because it provides lifetime coverage. If you're in good health, we encourage you to consider applying for a product that requires you to answer health questions or get a medical exam. If you have any questions, you can speak with a licensed Prospr by Sun Life advisor* by calling us at 1-844-528-0583 Monday - Friday 8 a.m. - 8 p.m. ET or book an appointment.
Insurance made easy
1. Get an online quote
Answer a few quick questions and get a monthly rate for coverage from $5,000 to $1,000,000.
Approximate time to complete: ~2 minutes*
*Quebec residents need to answer a few more questions.
2. Apply
Review the policy of your choice and complete the application. If you apply for more than $100,000 of coverage, we may need additional medical information.
Approximate time to apply: ~22 minutes
3. Get coverage without delay
When you apply, you get temporary insurance for up to 90 days* while we review your application. Coverage for $25,000 or under starts instantly.
*Certain terms, conditions and exclusions apply.
Find your monthly rate for coverage up to $1M. Leave a tax-free payout to your beneficiary.
Compare life insurance products
| Sun Life Go Guaranteed Life Insurance | Sun Life Go Simplified Term Life Insurance | Sun Life Go Term Life Insurance | |
|---|---|---|---|
| Coverage | $5,000 - $25,000 | $50,000, $75,000 or $100,000 | $100,000 - $1 million |
| Eligibility | Canadian residents, age 30 to 74 | Canadian residents, age 18 to 69 | Canadian residents, age 18 to 69 |
| Health information | No health questions or medical exam | 3 health questions, no medical exam | Full health questionnaire, possible medical exam |
| How long will my life insurance last? | For life, as long as you make your monthly payments. | For 10 years. After this, the policy automatically renews each year. It’ll continue to renew, and you’ll have coverage until age 85 or until you stop making monthly payments. | For the 10 or 20 years you choose. After this, the policy automatically renews for another 10 or 20 years. It’ll continue to renew, and you’ll have coverage until age 85 or until you stop making monthly payments. |
| How long do monthly rates stay the same? | Until age 95 | First 10 years | 10 or 20 years |
| Is Temporary insurance included when I apply? | No | Yes, when you apply | Yes, when you apply |
| When does my coverage start? | When you submit your application. | The Sun Life Go Simplified Term Life Insurance policy starts the first day of the month after we approve your application. Temporary insurance covers you for up to 90 days from the date you apply and provide payment information. | The Sun Life Go Term Life Insurance policy starts the first day of the month after we approve your application. Temporary insurance covers you for up to 90 days from the date you apply and provide payment information. |
| Product details | Sun Life Go Guaranteed Life Insurance brochure | Sun Life Go Simplified Term Life Insurance brochure | Sun Life Go Term Life Insurance brochure |
| Sample policy | Sun Life Go Guaranteed Life Insurance sample policy | Sun Life Go Simplified Term Life Insurance sample policy | Sun Life Go Term Life Insurance sample policy |
| How to get started? | Get a quote & apply online | Get a quote & apply online | Get a quote & apply online |
If you take your own life within 2 years of the date of your application or your insurance taking effect, we won’t pay the claim. See all the exclusions and limitations in the sample policies in the Compare life insurance products section.
- Cancel anytime.
- If you cancel within 30 days of receiving your policy, we’ll refund your money.
For Sun Life Go Simplified Term Life Insurance and Sun Life Go Term Life Insurance.
This policy provides immediate insurance coverage.
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 policy. See the sample policy for further details.
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.
I thoroughly enjoyed the online process and how easy it was to be able to do my own research and have an advisor a phone call away.
-Matthew G.
Questions?
Call 1-844-528-0583, Monday – Friday | 8 a.m. – 8 p.m. ET.
Getting advice can help you achieve your goals. At Prospr by Sun Life, we have a team of advisors that can help you find the insurance that’s right for you. Speak with a licensed Prospr advisor* to discover your options.
*Identified as Financial Security Advisors in the province of Quebec. Prospr advisors are licensed with Sun Life Financial Distributors (Canada) Inc. Sun Life Assurance Company of Canada is the insurer and is a member of the Sun Life group of companies.