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Sun Life Go Term Life Insurance

Affordable Term life insurance

Coverage to fit your lifestyle. Get up to $1 million of term life insurance online. Your monthly cost will stay the same for the first 10 or 20 years. We’ll ask you a few questions about your health. Plus, you have instant coverage while we review and process your application.

It’s great for Canadians who want to get affordable life insurance online with just a few questions asked. 

Getting Started

Buy Sun Life Go Term Life Insurance online

Get up to $1 million of temporary life insurance coverage by answering just a few health questions.

Get a quote & apply

What’s the difference between buying life insurance online and buying it from an advisor?

Policy details:

Eligibility

  • You must be between 18 and 69 and live in Canada.
  • If you don’t provide accurate information when you apply, your insurance could be cancelled or claims denied.

 

Easy renewal

This policy automatically renews for the same term length you chose originally without answering any health questions. As you'll be 10 or 20 years older, your monthly payments will increase. However, they will stay the same for the length of the new term. We’ll notify you of the renewal at least 30-days in advance.

 

Exclusions and limitations

  • In the first two years your policy takes effect, we won’t pay the claim if you take your own life. This is regardless of whether you have a mental illness or understand or intend the consequences of your action(s). We’ll refund all monthly payments you’ve made, minus any administration fees.
  • If you apply for Sun Life Go Term Life insurance more than once, we’ll only cover you for up to $1 million in total.

 

We won't pay benefits within the first 90 days of the policy if:
  • You take your own life. This is regardless of whether you have a mental illness or understand or intend the consequences of your action(s).
  • on the date you signed the application for insurance, you:
    • for more than 2 weeks could not perform your usual activities or occupation because of illness or injury,
    • have or had any signs or symptoms associated with cancer within the last 12 months,
    • had suffered a stroke or a heart attack within the last 12 months, or
    • in the last 45 days, you had to stay in a:
      • Hospital
      • Nursing home
      • Sanitarium
      • Psychiatric facility
      • Any other health-related facility. 

Find more exclusions and limitations in the Sun Life Go Term Life Insurance sample policy.

30-day free look

If you need to cancel your new policy within 30 days of receiving it, we'll give you a full refund.

Additional benefits

This policy provides immediate insurance coverage. 

 

If you die before we let you know of our decision on your application, we'll 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:

  • 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 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

This is available to you if you become terminally ill and only have 24 months to live. The payout is up to a maximum of 50% of your insurance amount. Approval for the living benefit is subject to the program rules in effect at the time of your request. Approval is at our discretion. Upon approval of the situation and required documents, we will issue the payment. When we receive a death claim on this policy, we will deduct the living benefit payment plus interest from the original coverage amount. Your monthly payments will not change. To see if you're eligible please call us at 1-800-669-7921.

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. This number is also listed 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.

After receiving proof required, within 30 business days we'll assess the claim and if approved, we'll pay the claim.

Why Canadians choose Sun Life

A company you can trust

We’ve been paying claims in Canada for more than 150 years. And today we’re there for millions of Canadians during some of the most important moments of their lives.

Innovative and caring

Sun Life Canada is committed to helping Canadians achieve lifetime financial security and live healthier lives. We’re always working on new & better ways to help our Clients achieve their goals.

Adaptable to you

We know your life moves fast. That’s why we offer online purchase of life insurance. Focus on the things that matter to you, knowing you’re covered. It’s just one of the ways we adapt to your needs.

Get Sun Life Go Term Life Insurance

Get a quote and apply for Sun Life GO Term Life Insurance, or give us a call.

  • GET A QUOTE ONLINE

    Get a quote for Sun Life GO  Term Life Insurance online in minutes.

    Get a quote & apply

     

  • GIVE US A CALL

    Getting advice can help you achieve your goals. Discover what other products you may be eligible for or to get advice about your insurance needs. Speak to a Sun Life licensed representative.

    Call: 1-844-528-0583

    MONDAY-FRIDAY: 8AM-8PM ET

  Footnote

Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life Financial group of companies. Sun Life Assurance Company of Canada is licensed to offer life and health insurance in all jurisdictions in Canada.