Benefits of buying term life insurance online
Getting term life insurance online offers convenience and peace of mind. It's a simple way to protect your family's future. Buying online offers several advantages, including:
Convenience and speed
You can apply from anywhere, anytime to get a quote in minutes and it’s an easy step-by-step process. Coverage can start quickly, and you might even get instant approval.
Flexibility
You can choose your term length and coverage amount. You also have the option to add accidental death insurance to your policy.
Secure transactions
Advanced encryption protects your data. Safe online payment options are also available.
Support available
Access online resources and FAQs anytime. You can contact customer service if you need additional support.
How much does term life insurance cost?
The cost of insurance depends on your age, assigned sex at birth, smoking status, lifestyle, and other factors.
Visit our Term Life Rates page for estimates based on your age, assigned sex at birth, and smoking status.
Compare Sun Life’s term life insurance products
Select the plan that best fits your health status and coverage needs. Here's a comparison of our plans:
| Features | Sun Life Go Term Life Insurance | Sun Life GO Simplified Term Life Insurance |
|---|---|---|
| Coverage length | 10 or 20 years | 10 years |
| Coverage amounts available | $100,000 to $1 million | $50,000, $75,000, $100,000 |
| Easy online application process | Yes. | Yes. |
| Underwriting | Requires a health questionnaire and may require a medical exam. | No medical exam, involves fewer health questions. |
| Renewable without a medical exam | Yes, typically renewable to age 85. | Yes, typically renewable to age 85. |
| 30-day money-back guarantee | Yes. | Yes. |
| Add accidental death insurance to the policy | Yes. | No. |
| Read more | Learn more about Sun Life GO Term Life Insurance | Learn more about Sun Life GO Simplified Term Life Insurance |
Find out how much term life insurance coverage you need
Knowing how much coverage you need is key to protecting your family's future. It helps ensure you have the right amount of protection to meet all your needs. Here’s what you can do to find out how much coverage is right for you:
Try Sun Life's online life insurance calculator
Determine your ideal life insurance coverage in minutes with our life insurance calculator. This user-friendly tool provides a personalized estimate based on your unique situation, helping you take the first step towards financial security.
Consider your life stage
Choose a term length that covers your longest financial obligation, like a mortgage or a business. Young families may need more coverage to protect growing children. Retirees might require less as their financial obligations decrease. Consider how your needs might change over time as your family grows or your career advances.
Get a term life insurance quote
Ready to protect your family's future? Get your personalized term life insurance quote from Sun Life. It's quick, easy, and can be done entirely online. In just a few minutes, you can explore coverage options tailored to your needs and budget. Get a quote online today and see how affordable peace of mind can be.
Applying for term life insurance
Once you’ve used Sun Life's online quote tool to estimate your premiums (monthly or annual fees), you can remain on the platform and begin the application process. Here’s a quick breakdown of the process:
- Get a quote: Start by using Sun Life's online quote tool to estimate premiums.
- Begin application: Start the online application process.
- Provide information: Fill out personal details, health information, and lifestyle questions.
- Review and confirm: Double-check all entered information for accuracy.
- Submit application: Send the completed application to Sun Life for review.
- Underwriting process: Sun Life assesses the application and may request additional information or medical exams. Read more about insurance underwriting and how it works.
- Decision: Receive approval, modification, or denial of the application.
- Policy issuance: If approved, review and accept the policy terms. Once you’ve accepted, Sun Life will mail the policy to you.
- Start coverage: Pay the first premium to activate the policy.
This entire process is designed to be user-friendly and can often be completed entirely online. Keep in mind, some cases may require additional steps depending on individual circumstances.
Get a customized quote from an advisor
Online quotes can offer convenience and ease. However, if you find you need additional help or have more complex needs, consider speaking to an advisor for a customized quote.
At Sun Life, our advisors offer personalized guidance tailored to your unique needs. They can walk you through all your insurance options, answer specific questions, and help you make informed decisions. For a customized approach to protecting your loved ones, consider reaching out to an advisor today.
Connect with an advisor
A Sun Life advisor can help you figure out which products meet your needs and goals.
Enter your postal code to find an advisor near you.
Call us
You can give us a call to talk to one of our licensed advisors about which insurance products are right for you.
1-844-528-0583
Mon to Fri, 8 a.m. - 8 p.m. ET.