We’re sorry for your loss. During this difficult time, we want to support you by making sure you have everything you need for your life insurance claim.
Your first step is to contact the plan administrator of the policy. They’ll let you know what next steps to take to submit your claim.
The plan administrator is usually the deceased’s employer. If you’re making a life claim for an eligible dependent, the plan administrator would be your employer.
If you have questions after talking to the plan administrator, you can reach us at 1-800-361-2128. We’re here to help.
What you need if you’re the beneficiary
When you contact the plan administrator, they’ll ask you for the cause of death, name and address of the funeral home handling the deceased’s final arrangements, and your contact information. They may also ask you to submit additional documents, such as:
A Claimant Statement. The employer can give you a copy of this form or you can download it here.
Proof of death. You’ll need to submit the original death certificate or a scanned copy.
What you need if the estate is the beneficiary:
If the estate is the beneficiary on the policy, here’s what you’ll need:
If the benefit amount is: | We need a notarized copy of: |
Under $150,000 |
No will is required |
$150,000 to $249,999 |
The will. You can send us the original or a scanned copy. |
$250,000 and above | The probated will. You can send us the original or a scanned copy. |
If there isn’t a will and your loved one was a resident of: | We need a notarized copy of: |
Ontario |
The Certificate of Appointment of Estate Trustee without a will. You can send us the original or a scanned copy. |
Quebec | The Notarial Declaration of Heirs. You can send us the original or a scanned copy. |
Any other province | The Letters of Administration. You can send us the original or a scanned copy. |
Where to send your claim
You can email your Claimant Statement and supporting documents to group.life.claims@sunlife.com. If you choose to send your information by email, we can’t guarantee the privacy or security of email communications while they’re on their way to us.
Or, you can mail them to us at:
Address:
Sun Life Assurance Company of Canada
Attention: Group Life Claims
1155 Metcalfe
Montreal, QC H3B 2V9
Right now, we offer claim payments by cheque only.
Group benefits are provided by Sun Life Assurance Company of Canada, a member of the Sun Life group of companies.
NOTE: If you’re still unsure about next steps after reading these instructions, please connect with the policy administrator (usually your loved one’s employer). If you’re making a life claim for a dependent, the policy administrator would be your employer.
We’re sorry for your loss. During this difficult time, we want to support you by making sure you have everything you need for your life insurance claim.
You can speak with the advisor who worked out the details of your loved one’s insurance policy. Give them a call if you want any help.
Need to find the advisor’s email or phone number? Go to Find an advisor and search by their last name.
Can’t reach the advisor? Please follow these steps to submit your claim.
Step 1. Contact us
Please call us at 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m. ET to let us know about your loss.
We’ll start by asking you for basic information:
Step 2. Confirm if we need more information
Once we’ve confirmed the basic information for your claim, we’ll let you know if we need anything else.
Depending on your policy, we may be able to review your claim without needing a Claimant Statement form or proof of death.
If we do need more information, an advisor will connect with you to help.
If you have questions, you can also call us at 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m. ET.
Step 3. Send us your claim information
You can send us forms and any other details using one of the following options. Please keep a copy of the documents you send us for your records.
If you need to send medical details for your claim, your doctor can send us the information directly.
Fax:
1-866-487-4745
Mail:
Sun Life
227 King St S
PO Box 1601 Station
Waterloo, ON N2J 4C5
Sun Code: 300A50
Courier:
Sun Life
227 King St S
Waterloo, ON N2J 4C5
Sun Code: 300A50
Email:
LFCLM@sunlife.com
If you choose to send your information by email, we can’t guarantee the privacy or security of email communications while they’re on their way to us.
Step 4. Our review
After we receive the information we need, we’ll start our review of your claim. We may also reach out for further information if we need it.
You can ask your advisor for an update on your claim or send them more information any time during our review.
You can also call us at 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m. ET. We’re here to help.
Step 5. The claim decision
If we approve the claim, we’ll make the payment by electronic funds transfer (EFT) or by cheque, depending on what you choose on your Claimant statement form. If you’d like your payment by EFT, include a void cheque with your Claimant statement form.
If we don’t approve the claim:
Get help faster by calling us from within the app – we’ll have your benefits plan details ready to go.
Or, you can find the right number to call here.