If you're looking for simple and relatively inexpensive life insurance coverage, Sun Life Go is worth a look. It offers quick online quotes, temporary insurance coverage for up to 90 days, and 30 day cancellation refunds in case you change your mind.
Offering Guaranteed Life, Simplified Life, and Term Life insurance options, there's a variety of coverage types and levels that should cover most people's needs. That said, coverage amounts and options are limited compared to others, so you'll still want to shop around before making a final decision.
Sun Life Go features
Here's what you'll find with Sun Life Go.
Why You Want It
Get temporary coverage for 90 days + Cancel within 30 days for refund.
Special Features
- Cancel within 30 days for a full refund
- Temporary insurance that provides immediate coverage for up to 90 days
- Coverage up to $1,000,000
Eligibility
- Canadian citizen
- Age of majority
Provinces
ALL
Features
Term Life Insurance
Terms Available
- 5 years
- 10 years
- 15 years
- 20 years
- 25 years
- 30 years
- 35 years
- 40 years
Permanent Life Insurance
Guaranteed Acceptance Life Insurance
Universal Life Insurance
Sun Life Go product rating: 5.0 stars
Sun Life Go covers the basics, offering a variety of types of life insurance for people across Canada. And while their options are a tad more limited than what other insurance companies may offer, what Sun Life Go does offer is likely to be sufficient for the majority of people who are looking for simple coverage. With nearly instant online quotes, temporary insurance coverage for up to 90 days (while your application is being processed), and a full refund if you cancel within 30 days, it's easy to take Sun Life Go for a test drive.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of Sun Life Go
So, what does Sun Life Go life insurance have to offer?
Pros
Near-instantaneous quotes
You can get an instant quote online, after answering only a handful of questions – okay so it takes 2 minutes, not a literal instant, but that's pretty darn fast.. You can also customize this quote depending on what type of insurance you want, how much you want to be insured for, and what insurance term you're interested in. With a bit of tweaking, you can probably find some level of coverage that will fit your budget.
A variety of coverage types and terms
Sun Life Go offers Guaranteed Life, Simplified Life, and Term Life insurance. Coverage amounts range as high as $1m, and Term Life insurance is available for 10 or 20 years. Unless you have very specific requirements in mind, this array of coverages probably includes something that will work for you.
Temporary insurance for up to 90 days
It can take up to 90 days for your Sun Life Go insurance application to be processed, which is a long time to remain without any sort of coverage once you've decided you want it. Sun Life has you covered, however, offering up to 90 days of temporary insurance that starts the day you apply for insurance (and provide your payment information).
Cancel within 30 days for a full refund
If you change your mind within 30 days of signing up, Sun Life will give you a full refund, no questions asked.
The cons of Sun Life Go
Of course there are some downsides as well.
Cons
Coverage isn't as flexible as some competitors
Sun Life Go has a few different types of coverage available, but not as comprehensive a suite of options as some other competitors offer. If you're looking for higher coverage amounts or some of the more niche types of life insurance, you'll probably have to turn elsewhere.
Not as many coverage options as others offer
And for the coverage Sun Life does have, the options are somewhat more limited than those offered elsewhere. For example, Sun Life Go Term Life insurance is only available for 10 years or 20 years, while other companies offer longer or shorter terms.
Coverage amounts are limited
While $1m is a significant amount of coverage, this is significantly lower than the sky high coverage limits you'll find with other insurance companies. While the majority of people don't need $5m in life insurance coverage, if you do, you're going to have to shop somewhere else for your life insurance policy. By opting for lower coverage amounts, however, you can ultimately save on your life insurance premiums.
Sun Life Go alternatives
Let's see how Sun Life Go measures up to some similar competitors.
 |  |  |  | |
|---|---|---|---|---|
| Account | Sun Life Go Life Insurance | PolicyMe Life Insurance | Policy Advisor Life Insurance | Lions Peak Insurance |
| Genius Rating | ||||
| Why You Want It | Get temporary coverage for 90 days + Cancel within 30 days for refund. | Save up to 20% on your life insurance + Get Child Coverage at no extra cost. | Get instant life insurance quotes from 30 top insurers + No brokerage fees. | 8 life term insurance lengths + Very responsive customer service. |
| Term Life Insurance | | | | |
| Terms Available |
|
|
|
|
| Permanent Life Insurance | | | | |
| Guaranteed Acceptance Life Insurance | | | | |
| Universal Life Insurance | | | | |
| Get a quote See more Sun Life products Compare | Get a quote See more PolicyMe products Compare | Get a quote See more Policy Advisor products Compare | Learn More See more Lions Peak Financial Group products Compare |
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FAQ
What's the maximum amount of coverage you can get with Sun Life Go?
With Sun Life Go you can get up to $1m in insurance coverage. This is only with their Term Life insurance policy, however. Other options provide significantly lower maximum coverage amounts.
How do I get a life insurance quote from Sun Life Go?
You can get a life insurance quote directly, and in just 2 minutes, from the Sun Life Go website. You can learn more about what Sun Life Go has to offer here.
How much does life insurance cost?
Life insurance premiums vary widely depending on what type of life insurance you want, how much coverage you need, and a variety of other factors, such as your age, whether you smoke or not, and your medical history. Many insurance companies allow you to get instant or near-instant quotes after answering only a handful of questions, including Sun Life Go.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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