Help for recovering and rebuilding
You can’t predict an accident, but you can prepare for the unexpected. Add Accidental Death coverage to your SunAffinity Life Insurance. It will help ensure you have extra protection in case your death is accidental.
There’s a lot for families to cope with after an accident.
Your beneficiary1 receives a one-time payment that can help with...
- mortgage and other personal debt
- cost of your children’s education
- other expenses.
Why choose SunAffinity Accidental Death Insurance?
- Affordable coverage options
- You’re covered anywhere in the world
It’s only available with Life Insurance through SunAffinity.
How much Accidental Death coverage can you apply for?
If you have SunAffinity Life Insurance, you and a spouse2 can apply for:
- $50,000 to $250,000 of coverage in units of $25,000
- up to the amount of your SunAffinity Life Insurance coverage
After you turn 65, your coverage amount goes down by 50%. Your coverage ends at age 70.3
You can apply for Accidental Death insurance for:
(You + spouse)2
You (or your spouse, if they apply) must:
- be between the ages of 18 and 60 (coverage ends at age 70)
- have, or be applying for, SunAffinity Life Insurance and
- be a resident of Canada, except Quebec.
There are no health questions to answer for Accidental Death coverage.
Things to know
- By accidental death we mean an unforeseen, unexpected and undesirable incident, resulting in the person’s death.
- For coverage, a death must be a direct result of an accident.
- There can’t be any other cause of death.
- The claim must be within 365 days of the accident.
- Your insurance starts on the first day of the month after you’re approved and have made your first payment.
Protect what’s important – apply today
Get a quote and apply using the quote tool.
When we will not pay the accidental death benefit (Exclusions and reductions of coverage)
We will not pay the accidental death benefit if the insured person's death or accident is directly or indirectly caused by or associated with the insured person operating a vehicle while their blood alcohol level is more than 50 milligrams of alcohol per 100 milliliters of blood. A vehicle includes any form of ground, air or marine transportation that can be put into motion by any means, including muscular power. We do not take into account whether or not the vehicle is in motion.
We also will not pay the accidental death benefit if the insured person's death or accident is directly or indirectly caused by or associated with the insured person:
- committing or attempting to commit a criminal offence
- taking or attempting to take their own life, regardless of whether the insured person has a mental illness or intends or understands the consequences of their actions
- causing themselves bodily injury, regardless of whether the insured person has a mental illness or intends or understands the consequences of their actions
- taking any drug, unless the drug was taken as prescribed by a licensed medical practitioner
- inhaling or ingesting any poisonous substance, whether voluntarily or otherwise
- inhaling any type of gas, whether voluntarily or otherwise
- having a mental or physical illness or receiving treatment for that illness
- receiving dental or surgical treatment
- voluntarily and deliberately engaging or participating in a dangerous act, activity or stunt, or
- contracting an infection, unless the infection was caused by an external visible wound received in an accident.
In addition, we will not pay the accidental death benefit if the insured person's death or accident is directly or indirectly caused by or associated with civil disorder or war, whether declared or not.