What is Express Critical Illness insurance?

Express Critical Illness Insurance is a type of insurance that can help cover your expenses if you become seriously ill. Choose from 3 plans that offer coverage for 1 to 7 common life-threatening illnesses or conditions. If you're diagnosed with one of the covered conditions and survive 30 days you will receive a tax-free1, lump-sum2 payment3 to use any way you wish.

Buy Express Critical Illness Insurance online

With Express Critical Illness Insurance, you have 3 plans to choose from. Explore each plan below, to find out which plan best matches your needs. 

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Basic plan

Enhanced Plan

Comfort Plan

Illnesses covered

  • Cancer
  • Cancer
  • Heart Attack
  • Stroke
  • Cancer
  • Heart attack
  • Stroke
  • Coronary artery bypass surgery
  • Aortic surgery
  • Major organ transplant
  • Major organ failure on waiting list


Age Requirements

18 – 65 years

18 – 65 years

18 – 65 years

Coverage Amount




Additional Benefits



  • Rate guarantee for the first 5 years.
  • Inflation protection.
  • Teladoc Medical Experts®* services4
  • Add up to 5 children for $2.50 per month to provide coverage of $5,000 per child.

Frequently Asked Questions

The cost of Express Critical Illness insurance is based on your age, gender, smoking status, and the plan you choose.

For Express Critical Illness Basic and Enhanced insurance plans, the monthly cost stays fixed for one year. On your policy anniversary, the monthly cost will increase, as you’ll be older.

For the Comfort plan, we guarantee the monthly cost for the first 5 years. After that, the monthly costs increases annually on your policy anniversary. 

Coverage starts as soon as your application is approved.
Coverage ends when any of these happens:

  • A claim is paid
  • The policy is cancelled
  • The policy anniversary after the insured person's 70th birthday
  • The insured person dies
  • When the premium is not paid for 30 days

You don’t name a beneficiary for Critical illness insurance policy. The payout goes to the policy holder. If you would like to designate a recipient other than yourself, you would need to complete a CI Payee Designation form. Call us at 1-800-669-7921, from Monday to Friday 8 a.m. to 8 p.m. ET, or send the completed form via mail to:

Sun Life Assurance Company of Canada
P.O. Box 2001 Stn Waterloo
Waterloo, ON  N2J 0A3.

Before you enrol, make sure you read the sample policy and understand the Definitions & Exclusions including the exclusion for pre-existing conditions. When you enroll, we'll ask you to answer the health declaration statements.


  1. Call us at 1-800-669-7921. This number will also be listed at the beginning of the policy. We’ll send you the appropriate form to fill out.
  2. Fill out the form and mail it to us at the address listed on the form. Include any information we ask for to assess the claim. This may include:
    • proof that you have the right to receive the benefit,
    • proof that you had a covered critical illness while your policy was in effect,
    • a written diagnosis which describes the conditions and the cause of the illness and
    • your complete medical records.

Notes on the written diagnosis:

  • The written diagnosis must include appropriate information to assess the illness. A specialist licensed and practising in Canada (or another doctor acceptable to us) must prepare and sign it.
  • The doctor, specialists or health care practitioners who sign the diagnosis – or provide information to us – may not be:
    •  the owner of the policy,
    • a person insured under the policy,
    •  a person entitled to make a claim under the policy or
    • a relative or business associate of these people.

Keep in mind:

  • Doctors may charge a fee to fill out certain forms. You are responsible for any fees for this information.
  • In some cases, we may choose health practitioners to examine you. These may be licensed physicians, physiotherapists, occupational therapists, psychiatrists, psychologists, neurologists or others. We’ll cover the cost of these examinations.

  • You must send us a claim while your policy is in effect and within 1 year of the date the insured person is diagnosed or has surgery for a covered critical illness.
  • Within 1 year of the date the insured person has a covered critical illness.
  • If you make a claim outside of this time period, we won’t assess the claim or make any payment.
  • If the claim meets all the policy conditions, we’ll pay within 60 days of receiving the proof required to assess the claim.

Sample policies

Get Sun Life Go Express Critical Illness insurance

  • Apply online

    1. Get a quote.
    2. Review your choice.
    3. Apply.

    Get a quote


  • 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


Want additional coverage online?

Term life insurance online

Sun Life Go Term Life Insurance can help you financially protect your family’s future. Get coverage from $100,000 to $1 million. Choose from 10- and 20-year terms available. 

Get a quote

Guaranteed life insurance

Guaranteed Life insurance coverage lasts your lifetime, no medical questions asked. You’re guaranteed to qualify, and no medical questions asked. With Sun Life Go Guaranteed Life insurance, you can choose coverage, from $5,000 to $25,000. 

Get a quote

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

1 There are no specific income tax laws for critical illness insurance. Based on current tax laws, we believe any cash benefit from critical illness insurance will not presently be taxed when the policy is owned by an individual and the benefit is payable to an individual.

2 If you are diagnosed with one of the covered conditions and survive the 30-day waiting period, you'll receive a lump-sum payment once your claim is approved. With the exception of cancer, no benefit is payable for a recurrence or metastasis of an original cancer that was diagnosed before the policy date. No benefit is payable for non-life threatening cancers and all cancer diagnoses are subject to a 90-day no claim period.

3 Diagnosis of a critical illness must occur after the effective date of coverage and you must complete a survival period (usually 30 days).

4Teladoc Medical Experts®* services - A valuable service available to you, your spouse, dependent children, parents and parents-in-law at any point during the lifetime of the policy. You can access Teladoc Medical Experts to get answers to any of your medical questions (they do not need to be questions relating to an illness covered under this policy). In addition, if you get critically ill, you will be connected with a leading expert that will review your diagnosis and your treatment plan and provide you with recommendations for moving forward. What’s more, you can still use Teladoc Medical Experts’ services up to 4 months from the time your claim is paid.

* ©2021 Teladoc Health, Inc. All rights reserved. Teladoc, Teladoc Medical Experts and the Teladoc logo are trademarks of Teladoc Health, Inc., and may not be used without written permission.