It's especially important if:
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Medical underwriting is required
No benefits are payable for a death which occurs before insurance under this benefit has been in effect continuously for 2 years with respect to the Insured or Spouse, if death results directly or indirectly from self-inflicted injury or suicide, regardless of whether the person has the ability to form the requisite intent or regardless of whether the person has a mental illness such that the person does not know or understand the consequences of the person’s actions.
If the Insured’s or Spouse’s Life Insurance is subject to more than one effective date due to additional amounts having been applied for on the deceased, the 2-year period will run separately from each effective date.
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 firstname.lastname@example.org.
1Dependent 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.
2Totally disabled (for Life Insurance): For 180 days, you’re not able to work at an occupation that you are or could become qualified for by education, training or experience.
3If you are totally disabled for a full 6 months, your coverage continues but you don’t have to pay Life Insurance premiums until your 75th birthday if you remain totally disabled.
4Spouse: Your spouse by marriage or under any other formal union recognized by law; or a person of the opposite sex or of the same sex who is publicly represented as your spouse for a period of at least 12 months. You can only cover one spouse at a time. Discontinuance of cohabitation terminates the eligibility of a common-law spouse. You must also have coverage in order to obtain spouse coverage.
5If you or your insured spouse is terminally ill with a life expectancy of 12 months or less, you may apply for a loan on a compassionate basis of up to 50% of the Life Insurance payment (to a maximum of $50,000, if approved by Sun Life Assurance Company of Canada).
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.