Sun Life Go Insurance

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Guaranteed Life

Ideal if you:

  • Had trouble qualifying for life insurance because of health reasons
  • Want to leave money to cover final expenses
  • Want coverage that lasts for the rest of your life

 

Simplified Term Life

Ideal if you:

  • Want life insurance without a medical exam
  • Want to leave money to cover funeral expenses and debts
  • Need life insurance for a shorter period of time

Term Life

Ideal if you:

  • Are in good health and want to benefit from lower rates
  • Want to help your family be financially secure
  • Expect children or dependant expenses for the next 10 to 20 years

 

Sun Life Go Guaranteed Life Insurance

Sun Life Go Simplified Life Insurance

Sun Life Go Term Life Insurance

Coverage

$5,000 - $25,000

$50,000, $75,000 or $100,000

$100,000 - $1 million

Locked-in rates

For Life

First 10 years

10 or 20 years

Eligibility

Canadian residents between 30 and 74

Canadian residents between 18 and 69

Canadian residents between 18 and 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.
Depending on when you die, you may end up paying more in premiums than the actual death benefit.
 Until age 85

 Until age 85

Is Temporary insurance included when I apply?

N/A

Yes

Yes

When does my coverage start?

When you submit your application.

 

The Simplified life insurance policy starts the first of the month following your approval. Temporary insurance covers you for up to 90 days from the date you apply.

The Term life insurance policy starts the first of the month following your approval. Temporary insurance covers you for up to 90 days from the date you apply.

Key exclusions. Additional exclusions apply.

Within the first 2 years, if you die for any reason other than an accident, we will not pay the claim.

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.

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.

Cancellations

 

Cancel anytime in writing.

Cancel anytime in writing.

Cancel anytime in writing.

If you cancel within 30 days of issue, we’ll refund your money.

If you cancel within 30 days of issue, we’ll refund your money.

If you cancel within 30 days of issue, we’ll refund your money.
Details

 

More about Sun Life Go Guaranteed Life Insurance

More about Sun Life Go Simplified Life Insurance

More about Sun Life Go Term Life Insurance
Brochure    

 

How

Get a quote

Get a quote

Get a quote

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 applied for. The payment 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. 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:

  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

Making a claim

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. You can find this number 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.

We’ll pay within 30 business days after receiving proof required to assess the claim.

Understanding the cost of life insurance

The more information you give related to your health, the less an insurer typically charges for life insurance. Sun Life Go Guaranteed life insurance does not ask any health questions when you apply. This means monthly payments will be often be higher when compared to other life insurance products. If you are in good health, we encourage you to consider applying for a product that asks health questions.

If you have any questions, you can speak with a Sun Life advisor in person or call us at 1-844-528-0583 Mon - Fri 8am – 8pm.

Just getting started?

Calculate how much coverage you need
Use our life insurance calculator to help plan your family’s protection

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We have a life insurance option that can meet your needs

Questions?

 Call 1-844-528-0583 or request a call from us

Getting advice can better help you achieve your goals. Speak with a licensed representative to discover your options.

Monday – Friday | 8 a.m. – 8 p.m. ET