As a leading company founded in 1865, Sun Life Financial is one of the oldest insurance providers in Canada. Today, Sun Life Financial services countries worldwide like Canada, the United States, UK, the Philippines, and Asia. With a credit rating of AA- from Standard & Poor’s, Sun Life is trusted by its millions of policyholders.
Sun Life offers an extensive list of customizable coverage for health insurance, life insurance, critical illness insurance, long-term care insurance, travel insurance in addition to group benefits.
In order to purchase a plan with Sun Life, you can visit the website to get started. There you can chat with Sun Life about purchasing a plan. You can also buy a plan over the phone by calling 1-800-361-6212
How Can I Reach Sun Life Financial by Telephone?
The phone number for Sun Life Financial is 1-877-786-5433.
How Do I File a Claim with Sun Life Financial?
Claims can be made online with Sun Life Insurance if you follow this link.
Sun Life Financial Pros and Cons
As with any product or service, and depending on your individual needs, there’s always advantages and disadvantages. Let’s take a look
Why Sun Life Financial Could Be Right for You
Wide range of insurance products
Customizable policies to best suit your needs
Financial strength and stability
Why Sun Life Financial May Not Be Right for You
Claims are reported to be difficult to navigate and time-consuming to complete
Coverage not available in all regions
Pricey policies
What Does Sun Life Financial Offer?
Sun Life Financial provides a comprehensive range of insurance solutions designed to offer individuals and families financial security and peace of mind. Their insurance offerings encompass life, health, and disability coverage, accommodating diverse needs. With a longstanding history and reputation for stability, Sun Life aims to deliver reliable protection and support, allowing customers to navigate life's uncertainties with confidence.
Sun Life Personal Health Insurance
Sun Life Financial offers a spectrum of health insurance plans tailored to varying needs: Basic, Standard, and Enhanced. These plans provide a range of coverage options, spanning from essential medical services to more comprehensive benefits. With Sun Life's health insurance, individuals can select the level of coverage that best suits their requirements, ensuring access to quality healthcare while safeguarding their financial well-being.
Basic
Sun Life provides basic personal life insurance to help cover your health and dental needs. The personal health insurance Basic plan can also help you if you are losing your group health coverage. To apply for the plan, the insured must be less than 70 years. However, the plan can be renewed by seniors 70 years and above. The insured is guaranteed 60% reimbursement of their premium amount. With this plan, you can claim eligible expenses in prescription drugs and dental care respectively at an annual maximum of $750. The plan includes up to $250 per year in smoking cessation drugs, and additional medical equipment such as hearing aids. Services also included are accidental dental care and ambulatory services.
Standard
The standard plan includes several features such as vision care, emergency medical travel, semi-private hospital room, prescription drugs, preventive dental care and many others. Just like the basic plan, applicants should be under 70 but the plan is renewable for policyholders above 70. Applicants that have any of the illnesses listed in the policy are not eligible. If you have a pending surgery, or are awaiting doctor’s investigation or tests, you are not eligible for the plan. You will be reimbursed 70% of your first $7,000 annual expenses but complete reimbursement for the next $93,000 annual expenses will be held subsequently in prescription drugs. You can also claim eligible expenses in prescription drugs at an annual maximum of $100,000. You’ll have access to several preventive dental coverage options such as examinations and diagnosis, white fillings, scaling and minor extractions, and space maintainers for children under 12. You’ll also have access to emergency medical care for the first 60 days of your trip, with access to $1 million for life in maximum claims on emergency travel.
Enhanced
The enhanced plan provides the insured access to higher prescription drugs, as well as restorative and orthodontic services. The restorative dental coverage includes endodontics, periodontics, crowns, oral surgery, bridges, and dentures. The orthodontics includes interceptive, interventive, preventive orthodontic services, and also comprehensive orthodontic treatment. The insured will be reimbursed 80% of the first $5000 on annual expenses, as well as 100% of subsequent $245,000 annual expenses on prescription drugs. Reimbursement of any money spent on supplemental healthcare also applies. This also includes a total reimbursement of money spent on paramedical practitioner services up to $400 in a year, and money spent on vision care up to $200 in 2 years. You can also have access to emergency medical care on the first 60 days of your trip, with access to $1 million per lifetime in maximum claims on emergency travel. You also have options for restorative, preventive, orthodontics dental coverage.
Sun Life Critical Illness Insurance
Sun Life Financial presents a diverse array of critical illness plans designed to provide essential protection during challenging times. With various plan options available, individuals can choose coverage that aligns with their specific health concerns and financial priorities. These plans offer financial support in the event of a critical illness diagnosis, helping policyholders and their families focus on recovery without the added burden of financial stress.
Basic
The Express Critical Illness Insurance Basic Plan from Sun Life Insurance covers the insured should they become diagnosed with Cancer, and survives for 30 days from the date that they were diagnosed. Eligible applicants must be between the ages of 18 and 65. The policy includes $25,000 in coverage and no medical exam or questionnaire is required. You must not have smoked any tobacco or marijuana products in the past 12 months. The application process is fast and is completely completed online.
Enhanced
The Express Critical Illness Insurance Enhanced Plan from Sun Life covers heart attack and stroke. The policyholder must survive for 30 days from the day they are diagnosed. The plan pays out a one-time tax free benefit and the coverage is up to $25,000. Policyholders must be between the ages of 18 and 65 years of age. Policyholders have 30 days to try out the policy before they decide if it's for them or not. No medical exam or questionnaire is required.
Comfort
The Express Critical Illness Comfort Plan from Sun Life provides coverage to the policyholder for cancer; heart attack; stroke; coronary artery bypass surgery; aortic surgery; major organ transplant, and major organ failure on waiting list. Eligible policyholders must be between the ages of 18-65 years of age. The coverage amount is for $50,000. Your premium amount is guaranteed to remain fixed for the first 5 years of your policy. You are able to add up to 5 children for $2.50 per month to get $5,000 in coverage per child. This plan also includes Teledoc Medical Experts® to assist you.
Sun Critical Illness Term 10
Sun Critical Illness Term 10 is a critical illness insurance from Sun Life that covers 26 life-threatening illnesses. The policy is guaranteed to renew every 10 years until the policyholder is 75 years old. The coverage amount for this policy is $25,000 to $3,000,000. You must be between the ages of 18 to 65 years old in order to apply for this plan. Children between 30 days old and 17 years old can also be covered with this policy. 5 childhood illnesses are covered, and plan coverage for children is between $25,000 and $1,000,000.
Sun Critical Illness Term 75
Sun Critical Illness Term 75 from Sun Life is a critical illness insurance that covers 26 life-threatening illnesses. There are two payment options for this policy - the option to pay up until you are 75 years old, or the option to pay for 15 years. Applicants must be between the ages of 18 and 65 years old in order to qualify. The coverage amount you receive is between $25,000 and $3,000,000. Children can also be covered with this policy, and they must be between the ages of 30 days old, and 17 years old. 5 childhood illnesses are covered, and the policy amount for children is between $25,000 and $1,000,000.
Sun Critical Illness Lifetime Term 100
Sun Critical Illness Lifetime Term 100 from Sun Life is a critical illness insurance that covers 26 critical illnesses. Children can also be insured under this policy, and 5 childhood illnesses are covered. This plan is critical illness insurance for life. Premiums remain fixed for the entire term of the policy. Policyholders have the option to pay to the age of 100, or to pay for either 10 years, or 15 years. The coverage for the adult plan is between $25,000 to $3,000,000. For children the coverage amount is between $25,000 to $1,000,000.
Sun Life Long-Term Care Insurance
Sun Life Financial offers comprehensive long-term care insurance plans that are crafted to provide support and assistance when needed the most. These plans are designed to help individuals maintain their quality of life and independence in the face of extended healthcare needs. With Sun Life's long-term care insurance, individuals can secure their future by ensuring access to the care and services required as they age, while also relieving potential financial strains on themselves and their loved ones.
Sun Long Term Care
Sun Long Term Care is an income-style benefit designed for individuals that are dependent. Dependents could be receiving assisted care in their own home, at a long-term care facility, or at a retirement home. The plan is for anyone between the ages of 21-80 years old. Coverage amounts range from a minimum of $150 per week, or a maximum of $2,300 combined per week for all long-term care insurance. Dependents are identified as individuals who require assisted living on a daily basis due disability, injury, or illness.
Sun Retirement Health Assist
The Sun Retirement Health Assist plan is designed to help you cover your health expenses when you retire. There is a 1 - 2 year waiting period for the plan, and you must be between the ages of 45-71 in order to apply. The coverage amount that you are eligible to receive is a minimum weekly benefit of $125, or a maximum benefit of $2,300. In order to qualify for the plan, you must require constant supervision because of your mental health, need substantial daily assistance with at least 2 activities of daily living, and require assistance for bathing and transferring.
Sun Life Group Benefits
Sun Life Financial presents a range of versatile group benefit plans tailored to meet the diverse needs of both employers and employees. These plans offer comprehensive coverage across health, dental, vision, and other essential benefits, fostering employee well-being and satisfaction. With customizable options, employers can design benefit packages that align with their company's values and workforce requirements. Sun Life's group benefit plans provide a valuable advantage in attracting and retaining talent while promoting a healthier and more secure work environment.
Health Choice A
This health coverage is for individuals who are leaving their workplace group benefits plan. You will have 60 days after leaving your previous group benefits to replace it with the Health Choice A. You must be between the ages of 18 to 74 years old in order to qualify for this plan. This is the basic health plan from Sun Life, which includes coverage for prescription drugs, vision care and paramedical services that include chiropractic and physiotherapy.
Health Choice B
This plan from Sun Life Financial is for individuals who are leaving their workplace group benefits.You must be between the ages of 18 to 74 years old in order to qualify for this plan. You have 60 days from leaving your previous group benefits in order to replace it with Health Choice B. You will get coverage for prescription drugs, vision care, paramedical services, dental care, hospital accommodations, and medical equipment.
Health Choice C
This health insurance plan from Sun Life Financial provides the most extensive coverage. Individuals must be between the ages of 18 to 74 years old in order to qualify. You will have 60 days after leaving your previous group benefits in order to replace it with Health Choice C. The plan includes coverage for prescription drugs, vision care, paramedical services, dental care, hospital accommodations, medical equipment, emergency medical travel insurance, and critical illness insurance.
Sun Life - Life Insurance
Sun Life Financial's life insurance plans offer a robust foundation for securing the financial future of loved ones. With a commitment to providing peace of mind, these plans come in various forms, such as term, whole, and universal life insurance. They empower policyholders to tailor coverage to their unique circumstances, ensuring beneficiaries are safeguarded in case of the unexpected. Sun Life's life insurance plans extend beyond mere protection, offering an avenue for building cash value and accessing potential investment opportunities. By choosing Sun Life, individuals can take meaningful steps towards securing their family's financial stability and legacy.
Sun Life Simplified Go Term Life Insurance
This term life insurance plan from Sun Life has a premium that remains fixed for the first 10 years that you hold your policy. You can choose coverage for $50,000, $75,000, or $100,000. There are only 3 questions for you to answer regarding your health. You will also receive temporary coverage while your application is reviewed.
Sun Life Go Term
The Sun Life Go Term plan is available for a term of 10 years or 20 years. You will get to choose your coverage from $100,000 to $1,000,000. Regardless of the term you choose, your monthly costs will remain the same. Eligible applicants must live in Canada and be between the ages of 18 and 69 years old.
Sun Spectrum Term
The Sun Spectrum Term life insurance from Sun Life provides coverage in amounts between $50,000 to $15,000,0000. This plan also comes available in terms of 10, 15, 20, or 30 years. Premiums are guaranteed with this plan. The plan can be renewed or converted to permanent at the end of the term. A death benefit will be provided in case the policyholder passes away.
Sun Term Life
Sun Term Life insurance is term life insurance offered by Sunlife Financial, and is available in terms of 10,15, 20, or 30 years. The coverage received on this plan ranges from $250,000 to $15,000,000. Rates are guaranteed and the policy is renewable at the end of the term. The plan is renewable and can be converted to premium at the end of the term. Should the policyholder fall critically ill, they may be eligible to receive a living benefit.
Sun Life Go Guaranteed Life Insurance
This is the guaranteed no medical life insurance offered by SunLife Financial. Even with preexisting health conditions, you will still qualify for this plan. The policyholder gets to choose their coverage which ranges from $5,000 to $25,000. This plan is offered to Candians between the ages of 30 and 74 years old. As long as premiums are paid, your beneficiary will receive a payment after your death.
SunSpectrum Permanent Life II
The SunSpectrum Permanent Life II insurance from SunLife Financial offers permanent life insurance available to you at a guaranteed premium option of 10 years, 20 years, 30 years, or to age 100. There’s a guaranteed death benefit for life, and a guaranteed cash value that begins as early as the third year of holding the policy. The maximum coverage with this policy is $10,000,000.
Sun Par Protector II
Sun Par Protector II from Sun Life Financial is a permanent (whole) life insurance. The payment options with this plan include the option to pay for life, to pay for 10 years, or 20 years. The maximum coverage with this plan is $15,000,000. For ages 0-17 years old, the minimum coverage amount is $25,000. For the ages of 18-85 years old, the minimum coverage amount is $50,000.
Sun Par Accumulator II
Sun Par Accumulator II is a permanent (whole) life insurance from Sun Life Financial. The minimum coverage on this plan is $250,000, and the maximum coverage is $15,000,000. The payment options are pay to life, pay for 10 years, or pay for 20 years. This insurance plan includes a death benefit and cash value to meet your investment needs.
Sun Par Accelerator
The Sun Par Accelerator from Sun Life Financial is a permanent (whole) life insurance policy. The minimum coverage with this plan is $250,000, and the maximum coverage is $15,000,000. You can purchase an enhanced insurance with your yearly dividends.
If diagnosed with life-threatening conditions, the insured will receive 50% of his death benefit up to $250,000; this is referred to as Living Benefit. The policy offers guaranteed cash value. Optional benefits in this plan include a total disability waiver benefit, owner waiver death benefit, owner waiver disability benefit, owner waiver death, and disability benefit.
SunSpectrum Universal Life II
The plan is customizable with the several optional features.
You can design an investment mix that suits your saving goals with the numerous investment account options included in the policy. If diagnosed with life-threatening conditions, the insured will receive 50% of his death benefit up to $250,000. You can access the policy fund by making one withdrawal when disabled, injured or ill. You can take out policy loans or withdraw cash from your policy provided you have enough cash in your policy. This option makes the plan further flexible.
SunUniversal Life II
Four investment account options are provided in this plan. These include guaranteed interest account, daily interest account, sun life diversified account and managed accounts. If diagnosed with life-threatening conditions, the insured will receive 50% of his death benefit up to $250,000. This is referred to as Living benefit. You can access early death benefit when you select joint last-to-die plus fund death benefit. The coverage options in the plan include single life, joint first-to-die, joint last-to-die with costs payable to the first death, and joint last-to-die with costs payable to the second death.
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So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!
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To ensure continued confidence that our long term health needs will be maintained.
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Christine helped me over the phone and was amazing and respectful
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It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!
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The application process was easy and they were able to get me a great rate! The customer service was excellent!
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Very quick and formative.
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He was so nice to me told so much about it thanks so much
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Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company
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George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!
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Make it possible to contact a CSR who doesn't transfer me around 7 times before telling me they can't find their own policy issued to a customer - a policy number taken from their own letterhead!! I will tell everyone I know, in every way, to avoid your company at all costs. If I have to, I will contact CBC W5 or Marketplace. Manulife, you have messed with the wrong estate executor!!
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Very helpful very easy....good job.
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It was a pleasure talking with George He was very polite .
I was very impressed by how friendly and helpful Karen W right is. The price is very competitive and the coverage seems good.
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Emil was professional, helpful on options and responsive. A+ service. Thank you!With Emil ; Easy Peasy !
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Sehar, thank you very much for listening to my needs for medical travel insurance and offering an acceptable rate without trying to sell anything other than my request. It was a pleasure dealing with you. Thanks again!
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Eric was very helpful and in fact went beyond what is expected to ensure that I got the policy I need. Thanks to Eric
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Kind, funny, and provided attention to detail. Made my purchase of insurance feel very calming.
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GREAT JOB
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Very precise, professional service meeting all my requirements. Thank you to Michael Bremen.
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Shear was very helpful and patient in explaining the insurance coverage I was interested in.
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Sehar Bajwar was great. She answered all our questions, and called us back when she said she would. Great client care service and great travel coverage prices. Keep up the good work. Thank you.
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Very good. Clear understandable information and details. Pleasant personnel
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Everything went great as Rep knowledgeable and looked after my needs.
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My needs were met with a friendly associate who called back when he said he would. All around happy with my experience.
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Dornaz of Insurdinary did an great job in helping me purchase travel insurance on September 7, 2023. She has good knowledge and experience about her work, and excellent attitude and customer care towards her clients like myself. I am totally satisfied with her service. Shu
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Very friendly and quick and informative staff. I highly recommend their services
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Received great service from Ummi at Insurdinary. She took the time to explain and answer our questions very pleasant. Thank you.
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Sehar was very helpful in arranging out of province travel insurance that met my requirements at an affordable price.
Paul Morningstar
Emil Daniel answered every question I asked reguardingMy purchase of Travel Insurane and even gave me a few more to think about.I purchased a several month Single Trip Travel Insurace Policy with Emil's excellent assistance and am now researching, with Emil's assistance a Life Insurance Policy appropriate to my personal situation.I have high praise for Mr Emil Daniel.
Raoul Walker
Not goodPass word invalidCannot open policy
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Sehar was delightful to work with, very expedient and efficient. Prices are certainly comparable. Thank you!
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Sehar was absolutely the best. She patiently explained everything. Answered all my questions. I am computer illiterate, she took her time and helped me to understand. She also retuned my calls as per my request. Sehar is a real asset to your company.
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Karen Wright was a pleasure to deal with. Very responsive to all of my different case scenarios.