Important Notice: Effective February 1, 2023, Canadian Premier Life Insurance Company (“Canadian Premier”) acquired the Association and Affinity business of Sun Life Assurance Company of Canada (“Sun Life”). Any reference you see to “Sun Life” on this website or on insurance documents you may receive, should be considered referring to “Canadian Premier”. Please see our frequently asked questions for more information.

Accidental death and dismemberment insurance

Help for recovering and rebuilding

Accidents happen suddenly. In an instant there’s a lot more to cope with. You or your family shouldn’t have extra financial worries. Accidental death & dismemberment (AD&D) insurance can help relieve the financial burden while you or your family recovers or rebuilds.

Why choose AD&D insurance?

  • Choice of single and family coverage
  • Savings on the insurance you need, thanks to group pricing

Extra advantages

  • Occupational training for your spouse: If you die as a direct result of an accident, your spouse will receive financial help for training for a job he or she was not previously qualified for.
  • Coverage for return to home: If you die from an accident 100 km or more from home, there’s a payment of up to $10,000 for the cost of preparing and transporting your body home for burial or cremation.
  • Additional coverage to adapt your home or vehicle: If you suffer the loss of use, or loss of, both feet or both legs, or suffer from hemiplegia, quadriplegia or paraplegia as a direct result of an accident, and are confined in a wheelchair, there’s an additional 10% payment (up to $10,000) to make your residence and/or vehicle wheelchair accessible.
  • Waiver of premium if you’re totally disabled1 while covered before age 652, your coverage continues, but you don’t have to pay the premiums as long as you remain totally disabled.
  • Seat belt benefit: If you die from a car accident, there’s an additional 10% payment if the accident report indicates your seat belt was properly fastened.

You're eligible if you are:

  • a member in good standing with your association, working at least 25 hours a week
  • between the ages of 18 and 59 (coverage ends on member’s 70th birthday).
  • a resident of Canada, and
  • covered under the association's Life insurance.

Meet the criteria? You can get AD&D insurance for:

  • You

  • Family

    (You + spouse + all dependent children)3

What's the cost?

Our rate sheets can provide you with a quick estimate.

How much coverage can you apply for?

  • $25,000 to $250,000, in units of $25,000
  • Your AD&D coverage amount cannot exceed your Life coverage amount.

How it works:

  • A lump-sum payment is made, upon approval of your claim, if you or your covered family member suffers a serious injury or dies due to an accident.
  • The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. More details are in the plan brochure, but the table of losses below shows the percentages we use to determine the payment.
Table of losses Amount payable (% of principal sum)
Loss of life 100%
Loss of one or both arms or hands 100%
Loss of both feet 100%
Loss of sight of both eyes 100%
Loss of one foot and sight of one eye 100%
Loss of speech and hearing in both ears 100%
Loss of one hand and one foot 100%
Loss of use of one or both hands or arms 100%
Loss of use of both feet or legs 100%
Loss of use of both arms or both legs 100%
Loss of thumb or index finger of either hand 100%
Loss of one leg or one foot or sight of one eye 75%
Loss of use of one leg 75%
Loss of hearing, both ears 75%
Loss of speech 75%
Loss of use of one foot 75%
four fingers on the same hand 33.33%
Loss of four toes on the same foot 25%
Loss of hearing, one ear 25%
Loss of joint between two phalanges or phalange of thumb or index finger of dominant hand 10%
Loss of use of joint between two phalanges or phalange of thumb or index finger of dominant hand 10%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%

Here’s how Family AD&D insurance works:

  • No dependent children? Your spouse will be insured for 50% of your benefit amount.
  • Spouse and dependent children? Your spouse will be insured for 40% of your benefit and each dependent child, regardless of the number, will be insured for 10% of your benefit, to a maximum of $50,000 per child.
  • Dependent children, no spouse? Each dependent child will be insured for 20% of your benefit up to a maximum of $50,000 per child.

There are plan restrictions and limitations. Find out more in your plan brochure.

Take these three steps to apply:


  • self-inflicted injury regardless of whether you have the ability to form the requisite intent or regardless of whether you have a mental illness such that you do not know or understand the consequences of your actions
  • drug overdose
  • carbon monoxide inhalation
  • flying in, descending from or being exposed to any hazard related to an aircraft while:
    1. receiving flying lessons;
    2. performing any duties in connection with the aircraft;
    3. being flown for a parachute jump or;
    4. a member of the armed forces if the aircraft is under the control of or chartered by the armed forces
  • hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • full-time service in the armed forces of any country
  • participation in a criminal offence

This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. The policy can be obtained by calling Sun Life at 1-800-669-7921 Monday to Friday, 8 a.m. to 8 p.m. ET or emailing

Definition of Total Disability: You are considered totally disabled if you are prevented by illness from performing any occupation you are or may become reasonably qualified for by education, training or experience.

2 If you’re totally disabled for a full 90 days before age 65 and receiving LTD benefits, you don’t have to pay AD&D premiums as long as you remain totally disabled.

3 Dependent children: Your children who are not married or in any other formal union recognized by law, dependent on you or your spouse for support, and are under the age of 21 (age 25 if the dependent is a full-time student – age 26 in Quebec), including adopted children and stepchildren, or children of any age if incapable of supporting themselves because of physical or mental disability. Once you opt for family coverage, newborn infants are automatically covered. You must also have coverage in order to obtain dependent child coverage.


Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET

Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.