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Key features of Sun Life term insurance
Level premiums
Your premium amount stays the same for the duration of your chosen term.
Flexible terms
Choose the coverage period that fits your needs - commonly 10, 20, or 30 years.
High coverage limits
Coverage can range from lower amounts to several million dollars, depending on eligibility and underwriting.
Convertible
Switch to permanent life insurance until age 75 with Sun Life evolve term plan.
Customizable riders
Add options like disability waiver, accidental death, and child coverage.
Digital & advisor-assisted
Apply online with a licensed advisor.
Living benefit
Some plans offer early benefit access if diagnosed with a qualifying terminal illness or similar condition, depending on the policy.
Renewable coverage
At the end of your term, you may have the option to renew your coverage without a new medical exam.
Guaranteed insurability benefit
Increase your coverage at key life stages (marriage, kids, mortgage) without another medical exam, even if your health changes.
Why Canadians choose Sun Life
- Financial security for your loved ones
Sun Life insurance provides a tax-free benefit to help your family manage everyday expenses, pay off debts, replace income, and secure their future when you pass away. - Flexible plans for every life stage
Choose from temporary term or permanent whole life insurance options that evolve with your needs. - Affordable and customizable plans
With Sun Life, you can easily find a plan that fits your budget with coverage starting at just a few dollars a day. - Expert guidance, no pressure
Get a free consultation with a licensed advisor who helps you understand your options and choose confidently. - Trusted by millions of Canadians
With 150+ years of experience, Sun Life is one of Canada's most reliable and respected life insurance providers.
Ready for your personalized quote?
Speak with an advisor to lock in your rate and find the right coverage for your family.
How long do I need coverage for?
Choosing the right term length is one of the most important decisions when buying life insurance. It depends on your current financial responsibilities, your age, and what you want to protect against.
Whether you have a new mortgage, growing children, or are planning for retirement, the length of your policy should align with when your dependents would need financial support the most.
Here's a quick guide to help you decide which term length makes the most sense for your situation.
FAQs
Everything you need to know about Sun Life life insurance.