Buy life insurance online

1. Get an online quote

Answer a few quick questions and get a monthly rate for coverage from $5,000 to $1,000,000.

2. Apply

Review the policy of your choice and complete the application. If you apply for term life insurance coverage between $100,000 and $1 million, we may need additional medical information.

3. Get coverage without delay

$25,000 or less:

Your coverage starts right away.

$50,000 or more:
You get instant temporary insurance up to 90 days while we review your application, some exclusions apply.

Frequently asked questions 

When you buy life insurance online, the application is simple, convenient, and safe.
Sun Life offers straightforward coverage you can apply for on your own time. No appointments needed. 

Apply now

With Sun Life, you can apply for these types of life insurance online:

  • Term life insurance
    Coverage: $100,000 - $1 million
    Coverage lasts: 10 or 20 years
    Learn more
  • Simplified Term life insurance
    Coverage: $50,000, $75,000, $100,000
    Coverage lasts: 10 years
    Learn more
  • Guaranteed life insurance
    Coverage: $5,000 - $25,000
    Coverage lasts: For life.
    Learn more

You can also add coverage for Express Critical Illness and Accidental Death insurance online.

1. Get an online life insurance quote

Enter a few quick details about yourself, select the amount of coverage you want, and see the monthly cost*. You can adjust the coverage amount before you apply. 

*Quebec residents need to answer a few more questions.

2. Apply online

After you’ve reviewed the policy details, submit the rest of your details through the secure check out. This includes:

  • Contact details
  • Payment details
  • Answers to the health questionnaire if you’re applying for $50,000 or more of coverage

Yes, you’ll have to answer some questions if you apply for $50,000 or more of life insurance. Questions generally require a yes or no answer. The purpose is to learn your medical history and find out if we need more information about you. Depending on your answers, we may ask for a medical exam.


Yes, you can get 2 types of life insurance coverage online without any medical exams.

  • Guaranteed life insurance No medical questions asked. No medical exam is needed.
  • Simplified Term life insurance We only ask 3 health questions during the online application. No medical exam is needed.

You may be able to skip medical exams for Term Life insurance if you’re:

  • age 40 or below and healthy
  • between the ages of 41-50, healthy, and applying for coverage up to $500,000

Underwriting determines if you’re healthy based on the responses to the health questions on your application.

The cost of life insurance varies depending on your age, assigned sex at birth, smoking status, and how much life insurance coverage you're getting. The more information you give related to your health, the less an insurer typically charges for life insurance. 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 licensed representative by calling 1-844-528-0583 between Monday - Friday 8 a.m. - 8 p.m. ET.

Yes, you get free temporary insurance while we review your application.

Temporary coverage starts from they day you apply for policies with protection between $50,000 - $1,000,000. Coverage can last up to 90 days, and exclusions apply. Your temporary insurance will expire if you don’t respond to requests for additional information within 30 days. 

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 sample policy.

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.

Policy of Temporary Insurance sample

Life insurance provides you with a benefit for the unexpected. You may end up paying more than the actual death benefit that goes to your beneficiaries. 

For example, you're aged 48 and purchase $25,000 of Sun Life Go Guaranteed Life Insurance for $60 per month. By the time you reach age 82, you'll have paid more than your total death benefit. If your death happens before age 82 you'll have paid less for your death benefit.

Coverage for $25,000 or less starts when you complete your application online.

For life insurance coverage between $50,000 and $1 million, you get temporary coverage while we review your application. Your actual policy starts the first day of the following month, when we approve your application.

Yes, there is.

We won’t pay the death benefit if you take your own life, regardless of whether you had a mental illness or understood or intended the consequences of your action(s).

See all the exclusions and limitations by product in the sample policies below:

Sun Life Go Term Life Insurance sample policy

Sun Life Go Simplified Term Life Insurance sample policy

Sun Life Go Guaranteed Life Insurance sample policy

If you need to change or cancel your application, give us a call.

Call: 1-844-528-0583

Monday to Friday: 8 a.m. - 8 p.m. ET

You can cancel your policy at any time.
If you cancel within 30 days of issue, we’ll refund your money.

To cancel your life insurance policy, mail a written request to:

Sun Life Assurance Company of Canada
P.O. Box 2001, Stn Waterloo
Waterloo, ON N3J 0A3

The Sun Life Difference

Serving Canadians since 1865

We’ve helped generations of Canadians. Today, we’re helping more than 6 million Canadians achieve lifetime financial security and live healthier lives.

Supporting Sustainability

Ranked #1 globally among insurance companies for sustainability.1

1 Corporate Knights’ 2022 Global 100 Most Sustainable Corporations in the World

Assuris protected

Your insurance benefits are automatically protected since Sun Life is an Assuris member. This means you’re guaranteed at least 85% of your insurance benefits (or $200,000, whichever is greater) in the unlikely event we go insolvent. 2


Get Life Insurance

Three ways to buy

Apply online

  1. Get an online quote.
  2. Apply.
  3. Get coverage without delay.

Give us a call

Speak to a licensed representative to get advice about your insurance needs. They can go over your life insurance options and answer your questions.

Call: 1-844-528-0583

MONDAY-FRIDAY: 8 a.m. - 8 p.m. ET

Work with a Sun Life advisor

Sun Life advisors look carefully at your specific needs to help you develop a personalized plan. They'll work with you to understand your goals and what you want to achieve.