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Flexible Sun Life Go Term Life Insurance 

Feel good about protecting your family’s future with insurance Canadians have trusted for more than 155 years. Get up to $1 million of term life insurance online for a 10- or 20-year term.

Sun Life Go is a safe option for buying affordable life insurance online. We’ll just need to ask a few questions about your health. You’ll even get on-the-spot coverage while you wait for approval. 

Key Features of Sun Life Go Term Life Insurance:

Choose life insurance coverage from $100,000  to $1 million.

You're willing to answer some health questions when you apply.

Monthly costs stay the same for the entire term length. 10 and 20 year terms available.

You can renew your policy without answering any health questions.

You're automatically covered with temporary insurance when you apply.

Cancel anytime. If you cancel within the first 30 days, you’ll receive a full refund.

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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.

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The details you need to know 

Your eligibility

  • You are between 18 and 69 and legally living in Canada.
  • If you don’t provide accurate information when you apply, Sun Life could cancel your insurance or deny your claim.

Renewing your policy

  • Payments always stay the same for the length of the term. 
  • When your policy automatically renews, your monthly payments will increase. This is because you’ll be 10 or 20 years older. 
  • Automatic renewals are for the same term length. 
  • You don’t have to answer any health questions. 
  • We’ll notify you of the renewal at least 30 days in advance.

Will I need to take medical exams?

  • If you’re healthy and age 40 or under, you can skip medical exams.
  • If you're healthy and between the age of 41-50, you can skip medical exams if you're applying for coverage up to $500,000.

There are some exceptions to the above. A medical exam is required if:

  • The applicant answers “yes” to any of the health questions, or
  • Specific information is found in the applicant’s Medical Information Bureau record. 

Exclusions and limitations

  • If you take your own life within two years of the date your policy takes effect, we won’t pay the claim. But we will refund all monthly payments paid up to then, minus any administration fees.
  • If you apply for Sun Life Go Term Life insurance more than once, we’ll  cover you for up to only $1 million in total.

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

What’s not covered in your first 90 days 

  • 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:
    • could not perform your usual activities or occupation because of illness or injury, for more than 2 weeks,
    • 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. 

Additional benefits

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.

Certificate of Temporary Insurance sample

This benefit is offered on Sun Life Assurance Company of Canada life insurance products and is a non-contractual arrangement that we may approve at our discretion on a case-by-case basis. If an insured person is diagnosed with a terminal illness, an application can be made by the policy owner for a lump sum advance of 50% of the insurance amount, to a maximum of $100,000. The lump sum, plus interest, is deducted from the death benefit when paid. This benefit follows the rules of the living benefit program in effect when the policy owner applies to receive the benefit.

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.

Get Sun Life Go Term Life Insurance

Apply online

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

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