Affordable protection for years to come

Sun Life Go Term Life Insurance

Help protect your loved ones with straightforward coverage tailored for your life

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:

• you answer “yes” to any of the health questions, or
• specific information is found in your Medical Information Bureau record. 

Key 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.

See all the exclusions and limitations in the sample policy.

Temporary 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:

• 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.

Temporary insurance sample policy

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?

Call 1-844-528-0583, Monday – Friday | 8 a.m. – 8 p.m. ET.

Or book an appointment.

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.