Reviews for Retirees: Health Insurance from Sun Life

Posted on December 28, 2018

Thinking of retiring soon? If so, it's time to decide who'll provide your life and health insurance.

Few things are as valuable as good health. When your health starts to fail, you need reliable insurance to fall back on.

So how do you know which insurance plans are best for you? There are a ton of companies to choose from aren't there?

Yes, there are, but they aren't all created equal. To help you get started on your decision-making process here's some information that'll help you decide if health insurance from Sun Life is right for you.

History of Sun Life Financial

Sun Life has been offering insurance for more than 100 years. It was first founded by an Irish immigrant in Montreal in 1865 but things didn't really get underway until 1871.

After experiencing much growth, the company now provides insurance in multiple countries. These countries include China, Japan, Canada, the United Kingdom, and the United States.

Sun Life was the first insurance company to offer group coverage to Canadians. And, their headquarters was the building responsible for protecting the Crown Jewels during World War II. Money to fund Britain's war efforts was also stored there.

Health Insurance from Sun Life Financial

The health insurance plans offered by Sun LIfe are meant to provide extended coverage beyond your provincial plan. Your provincial plan covers medically necessary things, while your extended coverage allows for ongoing medical care that helps to keep you healthy.

What types of things are covered under this type of insurance? Prescription drugs, annual exams to maintain your health, and other "non-necessary" medical needs.

Sun Life offers two choices when it comes to health insurance. Let's take a look at who these coverage programs are designed for.

Personal Health Insurance

This type of coverage requires a medical examination. You'll have to fill out a health questionnaire to see if you qualify for coverage. Sun Life offers three personal health insurance plans: Basic, Standard, and Enhanced.

Health Coverage Choice

This plan is meant for people who are retiring or are otherwise losing group coverage benefits. You don't have to fill out a questionnaire to get this coverage.

Apply for this plan quickly, as you'll lose your chance if you wait more than 60 days after leaving your group plan. Coverage is available for yourself as well as for family members.

To apply, everyone on the application must already have provincial healthcare.

Other Types of Insurance Offered

Health insurance isn't the only type of insurance offered by Sun Life Financial. They offer several types of insurance to make sure all your needs are covered.

Here's a quick list of the other types of insurance that they offer:

  • Life insurance
  • Critical illness insurance
  • Dental insurance
  • Short-term disability insurance
  • Long-term disability insurance
  • Accidental death and dismemberment insurance
  • Accident insurance
  • Gap insurance
  • Vision insurance

Just about every part of your life can be covered by a Sun Life insurance plan. To make things easier for yourself, you can get all your health-related insurances in one place. This means less hassle for you when you need your insurance.

Sun Life Reviews

Choosing a health insurance provider is no small decision. The company you choose is the company you're trusting to help you cover your health expenses in the future. It's worth your time to thoroughly vet each company before making a decision.

Sun Life is one of the most prominent companies offering health insurance coverage in Canada. That doesn't mean everything they do or offer is up to par with your expectations, or the expectations of others.

Though Sun Life offers coverage to many people throughout the world, recent reviews of their services haven't been good. Many reviews this year highlight potential issues that you should know about before choosing to go with this company. 

Here's a look at some of the review comments you should consider.


Clear and helpful communication should be a priority at the insurance company you choose, but reviewers suggest that it is not with Sun Life. Instead, reps aren't respectful and they don't give truthful or whole answers.

Some reviewers have stated that the customer service reps are simply rude when contacted.


Many recent reviewers find this company to be dishonest. In their experience, the company creates excuses in order to not fulfill claims.

Issues brought up in reviews range from claims being filed incorrectly, bills continuing to come after requesting cancellation of services, and more.

The Grain of Salt

While most of the recent reviews for this company are negative, there are some people who are happy with their coverage from Sun Life. Make sure you take time to read customer reviews to see if any concerns arise for you.

Remember that negative reviewers may be more inclined to report their findings online than positive ones, so there's a chance you could still have a good experience with Sun Life even though others haven't.

Do Your Research First

Sun Life Financial has been around for more than 100 years and offers plans that sound great. It's up to you to determine if they really are.

Health insurance from Sun Life may be a good decision for you, but another option might be better. Recently, many people seem to be unhappy with the services they've received from Sun Life.

Just make sure you do your research and you're sure to find a company that meets your retirement needs!

Looking for a health insurance broker near you? Click here to learn about how to find one.

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