Sun Life Go - Accidental Death Insurance

What’s accidental death insurance?

Accidental death insurance can pay a benefit if your death is a direct result of a covered accident. You can choose coverage, from $25,000 to $500,000. This type of insurance is for anyone legally living in Canada who wants extra protection from the unexpected.

Help ensure your family is looked after in the rare chance you pass away due to an accident. An accident is a bodily injury that occurs solely as a direct result of a violent, sudden and unexpected action from an outside source.

We recommend consulting with an advisor before adding this protection. Sun Life has been helping families plan their financial futures over 155 years, and we can help yours.

Buy Accidental Death Insurance Online

Get up to $500,000 more coverage against accidental death, with no health questions asked.

Key features of Accidental death insurance

  • Add up to $500,000 to your life insurance coverage without any health questions.

  • You’re guaranteed to qualify - no medical questions asked.

  • This type of insurance will only pay if you pass away within 90 days of, and as a direct result of an accident and before you reach age 70.

  • Cancel anytime and receive a full refund when you cancel within the first 30 days.

Frequently Asked Questions

When do we pay an accidental death benefit?

A: We pay an accidental death benefit if the insured person dies:

  • while this policy is in effect
  • as a direct result of an accident
  • independently of any other cause
  • within 90 days of the accident, and
  • before their 70th birthday.

This policy ends on the date the ensured person dies.

Who can buy Accidental Death Insurance?

Anyone between 18 and 64 inclusive, legally living in Canada, can buy Accidental Death Insurance. The insurance is for anyone looking for additional coverage up until the age of 70. You’re covered as long as you pay your monthly premiums.

How much accidental death insurance coverage can I buy?

You can buy accidental death insurance coverage of $25,000 up to $500,000 in units of $25,000. We recommend consulting an advisor before adding this protection. You can get up to $500,000 of insurance. Help ensure your family is looked after in the rare chance you pass away due to an accident.

What does an accidental death policy cover?

Sun Life Go Accidental Death Insurance covers you if you pass away within 90 days of, as a direct result of an accident and before you reach age 70. It may pay a tax-free benefit. Go for accidental death insurance if you:

  • Want to supplement your existing life insurance in case you die due to an accident.
  • Want affordable insurance without answering any health questions.

What is not an accidental death?

Please note that Sun Life Go Accidental Death insurance doesn’t cover all accidental deaths. We won’t pay the accidental death benefit if you pass away as a direct or indirect result of:

  • Operating a vehicle while your blood alcohol level is more than 80 milligrams of alcohol per 100 milliliters of blood – whether or not the vehicle was moving.
  • Committing or trying to commit a crime.
  • Taking, or attempting to take your own life or injure yourself. This is regardless of whether you had a mental illness or understood or intended the consequences of your action(s).
  • Taking drugs other than those prescribed by a licensed medical practitioner.
  • Inhaling or ingesting any poisonous substance or inhaling any type of gas - whether voluntarily or not
  • Having a mental or physical illness or receiving treatment for that illness.
  • Receiving dental or surgical treatment.
  • Getting an infection - unless the infection was caused by an external, visible wound received in an accident.
  • Travelling by air, which includes leaving the aircraft. This is unless you’re a fare-paying passenger on a regularly scheduled airline.

Find more exclusions and limitations in the Sun Life Go Accidental Death Insurance sample policy.

The person making the claim must do so as soon as reasonably possible. To make a claim:

  1. Call us at 1-800-669-7921. We’ll send you a form to complete.
  2. Fill out the form and mail it to us at the address listed on the form. Be sure to include any information we ask for to assess the claim. This will include proof that the insured person passed away while the policy was in effect.

Some things to keep in mind:

  • Doctors may charge a fee to fill out certain forms. The person making the claim is responsible for covering any fees.
  • We’ll review and assess any information received within 5 days. Once all of the required information is received for the claim and if approved, we’ll pay the claim within 30 days.

For coverage purchased through an employer 

Call us at 1-800-361-2128 Monday to Friday, 8 a.m. to 8 p.m. ET.

Get Sun Life Go Accidental Death Insurance

  • Get a quote and apply online

    1. Get a quote.

    2. Review your choice.

    3. Apply.

    Get a quote

  • Give us a call

    Speak to a licensed representative to get advice about your insurance needs. They can go over your life insurance options and answer your questions.

    Call: 1-844-528-0583

    MONDAY-FRIDAY: 8 a.m. - 8 p.m. ET

Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life Financial group of companies. Sun Life Financial Distributors (Canada) Inc. is licensed to offer life and health insurance in all jurisdictions in Canada.