Sun Life disability Insurance Review 2025
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Discover the methodologyLong-term disability (LTD) insurance is important for protecting your family's money if you get sick or injured and can't work for a long time or ever again.
With an LTD insurance policy, you could get up to 85% of your monthly pay. This helps cover your bills and take care of your family while you focus on getting better. Among the many options in the market, Sun Life disability insurance is one worth considering.
On this page, we take you through Sun Life disability insurance, its pros, cons, and more. Use our free comparator to compare Canada's best disability insurance plans, and get free quotes, so you can decide if Sun Life is truly best for you or if there's another plan that suits you better.
Sunlife disability insurance: Key takeaways
- Sun Life offers comprehensive long-term disability insurance.
- Coverage includes up to 85% of monthly income.
- Advisors are available to help choose the right coverage.
- Comparison with other plans using the HelloSafe comparator is recommended before a decision.
- The application process requires contacting an insurance advisor.
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Our Sun Life disability insurance review of 2025
Sun Life Disability Insurance is a reliable and well-rounded option for Canadians seeking income protection. It offers a variety of plans tailored to different needs, including individual coverage for professionals, business owners, and self-employed individuals, as well as group plans for employees covered through workplace benefits.
Individual plans provide flexibility with options to cover 60-85% of pre-disability income, customizable benefit and waiting periods, and partial disability benefits. These features make it ideal for those looking for comprehensive protection. Compared to RBC disability insurance, Sun Life stands out for its strong advisor network, offering personalized guidance to tailor policies to individual financial situations.
For employees, Sun Life’s group disability insurance is an affordable and convenient option, often integrated into workplace benefit plans. With lower premiums due to group discounts and employer contributions, it’s a practical solution for those looking for basic income protection without high out-of-pocket costs.
Additionally, Sun Life offers the flexibility to bundle critical illness and disability insurance, providing both a lump-sum payout for serious illnesses and ongoing income replacement. This combined approach offers broader financial security, surpassing standalone critical illness coverage from competitors like iA disability insurance.
While Sun Life’s offerings are comprehensive, the application process requires consultation with an advisor, which may be less convenient for those seeking quick online quotes.
Furthermore, details about specific plans are less transparent online compared to competitors like RBC, which provides more readily available information. Premiums for individual plans can also be higher than group options, making it essential for potential clients to compare options carefully.
Expert advice
Sun Life Disability Insurance is an excellent choice for professionals, self-employed individuals, and employees seeking reliable income protection. Its customizable policies, strong advisor support, and options for combined coverage make it a standout provider. However, the lack of online convenience might not suit everyone, particularly those preferring a digital-first experience.
Pros of Sun Life disability insurance
- Reputation - one of Canada's top insurance companies
- A range of disability insurance plans is available
- A tool for protecting you and your family financially
- Assistance from advisors
Cons of Sun Life disability insurance
- Requirement to speak with an advisor
- Lack of transparency on what disability insurance plans are available on the website
- Unable to apply online
Who offers Sunlife disability insurance?
Sun Life is one of Canada’s largest and best-trusted insurers. It is primarily known for its life insurance products and also branches out into wealth management services. This includes health, travel, mortgage protection insurance, and more available to individuals and groups.
The company has offered insurance solutions to Canadians for more than 150 years. Today it boasts more than 2700 advisors around the country and more beyond it. This article looks at Sun Life disability insurance offerings.
Why sign up for Sunlife disability insurance?
A long-term disability insurance policy from Sun Life will:
- Provide a monthly income for you and allow you to support your lifestyle financially in the event illness or injury prevents you from working in the future.
- Give you the means to keep paying your mortgage.
- Pay for day-to-day expenses.
- Protect your savings and those of your household.
An insurance broker or Sun Life advisor can help you pick the coverage that fits your needs and profile. However, we recommend that you explore other disability insurance plans too before zeroing in on one.
Use our free comparator below to explore the best disability insurance plans in Canada, compare their coverage, and get free personalized quotes right here.
Get a free disability insurance quote
What disability insurance plans does Sun Life offer?
Sun Life offers a variety of disability insurance plans designed to meet the needs of different individuals, from self-employed professionals to employees with workplace benefits. Here’s a breakdown of the primary plans and who they’re best for:
Individual Disability Insurance
- Who It’s Best For: Self-employed workers, professionals, and business owners who want tailored income protection.
- Features:
- Replaces 60-85% of pre-disability income.
- Covers total and partial disability.
- Offers customizable waiting and benefit periods.
- Includes premium waivers during disability claims.
- Access to rehabilitation and return-to-work support.
Group Disability Insurance
- Who It’s Best For: Employees covered under workplace benefits seeking affordable and convenient income protection.
- Features:
- Lower premiums through group rates.
- Employer contributions to reduce out-of-pocket costs.
- Seamless claims management through Sun Life’s online tools.
- Integration with other workplace benefits for comprehensive coverage.
Critical Illness + Disability Combo Insurance
- Who It’s Best For: Individuals looking for a combination of income replacement and critical illness protection.
- Features:
- Lump-sum payout for critical illnesses such as cancer, stroke, or heart disease.
- Monthly income replacement during disability.
- Customizable coverage amounts for critical illness and disability components.
Long-Term Disability (LTD) Insurance
- Who It’s Best For: Professionals and employees seeking extended income protection for prolonged disabilities.
- Features:
- Benefits paid until recovery or retirement age (e.g., age 65).
- Options for non-taxable benefits.
- Support for rehabilitation and workplace re-entry.
- Covers both illness and injury-related disabilities.
Sunlife does not offer detailed information on disability insurance on its website. You are required to speak with an advisor for more information.
Can you get public disability insurance in Canada?
Canada provides public disability insurance, featuring Employment Insurance (EI) sickness benefits. This initiative delivers short-term financial aid to those unable to work because of health issues, injuries, or quarantine periods, acting as a supplement to other public disability aids such as the Canada Pension Plan Disability Benefit. Explore our comprehensive guide on EI Benefits in Canada for detailed information on application procedures, eligibility criteria, duration of coverage, and additional insights.
How do I apply for Sun Life disability insurance?
To apply for Sun Life disability insurance, you must reach out to an insurance advisor through their website. Before doing so, consider comparing disability insurance offers on HelloSafe's website for detailed information on disability insurance offers from other top providers like Manulife disability insurance, iA Financial disability insurance, and more.
Simply use our free comparator below and get multiple personalized quotes from Canada's best disability insurance companies. All you need to do is enter some basic information on what you're looking for, like your needs, income, age, and voila, you have quotes in no time.
Get a free disability insurance quote
How much does Sun Life disability insurance cost?
Unfortunately, it is difficult to provide a price range for Sun Life disability insurance. Disability insurance pricing varies widely based on the following factors:
- Age
- Health
- Occupation
- The amount of disability coverage desired
- The waiting period you choose
For general information, the table below summarizes the average price of disability insurance with a 90-day waiting period for various ages and coverage amounts. This is meant solely to provide a rough indication before speaking with an advisor and your pricing will vary.
| Age of policyholder | Monthly benefit desired | Approximate monthly price |
|---|---|---|
| 20 | $2000 | $19 |
| 20 | $4000 | $39 |
| 30 | $2000 | $24 |
| 30 | $4000 | $48 |
| 40 | $2000 | $50 |
| 40 | $4000 | $102 |
| 50 | $2000 | $62 |
| 50 | $4000 | $126 |
Ready to get real quotes on a disability insurance plan that works for you? Use our free comparator to explore plans and get free personalized quotes from Canada's top disability insurance providers.
Get a free disability insurance quote
How do I contact Sun Life disability insurance?
Need to reach Sun Life because of a policy question, claims request, or to inquire about a policy? Here's how:
Sun Life offers priority customer service to those who contact them through the "my Sun Life" mobile application. Alternatively, you may contact Sun Life by logging into its website.
How do I file a Sun Life disability insurance claim?
To file a Sunlife disability insurance claim, follow these steps:
- Contact Sunlife:
- If your insurance is through an employer, call 1-800-361-6212 (Mon-Fri, 8 a.m. to 8 p.m. ET) or 1-888-757-7427 for PSHCP or PDSP members (Mon-Fri, 6:30 a.m. to 8 p.m. ET).
- If purchased through an advisor, call 1-877-786-5433 (Mon-Fri, 8 a.m. to 8 p.m. ET) to inform them of your condition.
- Provide Initial Information: Share your name, policy number, date of birth, telephone number, address, and the type of illness or condition.
- Complete Required Forms: An advisor will guide you on the necessary forms depending on your condition. Ensure completeness, including physician contact information and your signature (or that of your power of attorney if you're unable).
- Submit Your Claim: Send the completed forms and any additional details via fax (1-866-487-4745), mail (Sun Life, 227 King St S, PO Box 1601 Station, Waterloo, ON N2J 4C5, Sun Code: 300A50), courier (same address), or email ([email protected]). Note the caution regarding email privacy and security.
- Claim Review and Decision: Sunlife will review your claim, possibly requesting further information. They will notify you of the claim decision by letter, detailing approval or providing reasons and next steps for denial.
Remember to contact Sun Life as soon as you realize you need to file a claim, provide thorough information, and keep copies of all documents submitted for your records.
