What is Simplified term life insurance?

Simplified Term Life Insurance or no medical term life insurance is steady protection you can count on. Simplified term life insurance offers a flat monthly cost that won't change for the first 10 years. You can choose your coverage for $50,000, $75,000 or $100,000. It’s called “simplified” because you only have to answer three questions about your health. Plus, you have instant temporary coverage while we review and process your application.

It’s great for Canadians who want to get insurance online with fast coverage. 

Key Features of Sun Life Go Simplified Term Life Insurance

  • You don’t mind answering three simple health questions.
  • Quick, easy and all online application process.
  • Cancel anytime. If you do it in the first 30 days of your policy, you’ll get a full refund. 
  • Monthly payments remain the same for 10-year term.
  • Up to $100,000 coverage of life insurance.
  • Get instant coverage when you apply.More resources
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Buy Sun Life Go Simplified Term life insurance online

Get up to $100,000 of simplified term life insurance coverage by answering just three health questions.

Get a quote & apply

Frequently Asked Questions

Anyone legally living in Canada between the age of 18 and 69 can apply for Simplified Term Life Insurance. You’ll need to answer three simple questions about your health that relate to:

  • Your health over the last 5 years.
  • Medical tests or referrals that you haven’t been completed yet or where you’re awaiting results.*
  • 48 or more consecutive hours you spent in an Emergency room or hospital in the last 3 years.*

If you don’t provide accurate information when you apply, your insurance could be cancelled, or claims denied.
*Exceptions apply.

The more information you provide about yourself, the less you typically pay for life insurance. You only have to answer three health questions to apply for Sun Life Go Simplified Term Life. That means this type of insurance typically costs more than life insurance that requires more health information from you. If you’re in good health, consider applying for another term life insurance product. One where you'll give more health information.

We guarantee that your monthly payments will stay the same for the first 10 years. After that, the policy will renew each year. As a result, the monthly payments will increase each year, based on your age. But we won’t ask you any questions about your health. We’ll notify you of the renewal at least 30-days in advance.

You can apply for different coverage amounts such as $50,000, $75,000 or $100,000. All the coverage amounts are eligible for a 10-year term only.

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 Simplified Term Life Insurance more than once, we’ll cover you for up to $100,000 in total.

We won’t pay benefits within the first 90 days of the policy if:

a) 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).

b) 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, for more than 2 months.
  • 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, or any other health-related facility.

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

Additional benefits

This policy provides immediate insurance coverage until it ends. This is described under “When the temporary insurance policy ends (Termination)”.

If you die before we let you know of our decision on your application, we'll still pay the claim. It will be equal to the amount of life insurance you applied for. This 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.

When the temporary insurance policy ends (Termination)

The temporary insurance policy automatically ends on the earliest of:

  1. the date the insurance applied for starts,
  2. the date we tell you that your application for insurance is declined,
  3. 30 days after we asked for more information to underwrite your application and did not receive your response,
  4. 90 days after you submit your application for insurance,
  5. the date you ask us in writing to cancel your application for insurance,
  6. the date you decline our offer of insurance or,
  7. 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 as soon as reasonably possible. 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.

Get Sun Life Go Simplified Term Life Insurance

  • Apply online

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

    Apply online


  • 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


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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.