Sun Life Go Term Life Insurance

Protect your loved ones with straightforward coverage tailored for your life

  • Anyone legally living in Canada, age 18 to 74

  • Apply online in minutes

  • Choose coverage for 10 or 20 years

  • Instant Temporary insurance

  • Monthly payments stay the same

  • Coverage from $100,000 to $1 million

  • Cancel anytime

  • Easy Renewals

Will I need to take medical exams?

  • If you’re healthy and age 40 or under, you can skip medical exams.
  • If you're healthy and between the age of 41-50 , you can skip medical exams if you're applying for coverage up to $500,000.

There are some exceptions to the above. A medical exam is required if:

  • the applicant answers “yes” to any of the health questions, or
  • specific information is found in the applicant’s Medical Information Bureau record. 

Exclusions and Limitations

  • If you take your own life within two years of the date your policy takes effect, we won’t pay the claim. But we will refund all monthly payments paid up to then, minus any administration fees.
  • If you apply for Sun Life GO Term Life insurance more than once, you can get no more than $1 million in total insurance coverage.

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.

Policy of Temporary Insurance sample

Sample policy

Take a look inside a policy. This sample is only for your reference – the policy we issue to you will govern the relationship between you and Sun Life.

Sun Life GO Term Life Insurance sample policy

Questions?

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

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

Monday – Friday | 8 a.m. – 8 p.m. ET

We’re here to help.