Sun Life Disability Insurance Review: Is It Right For You?

Long-term disability insurance is a powerful tool for assuring that your and your family’s financial future will be secure.

If an illness or injury were to prevent you from working for an extended period or permanently, an individual LTD insurance policy can make a big difference. Long-term disability policies in Canada may replace up to 85% of your previous monthly income, more than enough to keep your mortgage paid and family secure while you concentrate on getting better. 

This page breaks down Sun Life’s disability insurance products. See our review, coverage options and much more.

Who is Sun Life?

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 ago. Today it boasts more than 2700 advisors around the country and more beyond it.

This article looks at Sun Life’s disability insurance offerings.

Why sign up for Sun Life disability insurance?

A LTD policy from Sun Life will:

  • Provide a monthly income for you and allow you 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.

Sun Life provides multiple disability insurance products. An insurance broker or Sun Life advisor can help you to pick coverage that fits your needs and profile.

To compare Sun Life's offer with other disability insurance plans in Ontario, British Columbia, Alberta and beyond, shop around using our free online comparison tool below:

Get a free disability insurance quote

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Our Sun Life disability review:

Sun Life is a major insurance provider in Canada, but not every plan is perfect for everyone. Here is what we like about Sun Life’s disability insurance offer and what to keep in mind as you compare coverage options.

Pros of Sun Life disability insurance:

Reputation - one of Canada's top insurance companies
A range of disability insurance plans available
A tool for protecting you and your family financially
Assistance from advisors

Cons of Sun Life life insurance:

Requirement to speak with an advisor
Lack of transparency what disability insurance plans are available
Unable to apply online

Good to know

Disability insurance can be a confusing topic since it includes public programs and private insurers who provide short-term and long-term coverage. Need some help? Our guide to disability insurance has you covered.

What disability insurance plans does Sun Life offer?

Sun Life offers different types of disability insurance but unfortunately does not make its offer clear on its website. It required you to find pick a local insurance advisor from its website and then contact them through an online form. This makes it more difficult for customers to shop and compare Sun Life's disability insurance policies.

How do I apply for Sun Life insurance?

To apply for Sun Life disability insurance, you must reach out to an insurance advisor through their website. Prior to doing so, consider comparing disability insurance offers on HelloSafe's website for detailed information on disability insurance offers from other top providers.

Get a free disability insurance quote

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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 policyholderMonthly benefit desiredApproximate 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
Estimate of Sun Life disability insurance prices

Ready to get real quotes on a disability insurance plan that works for you?

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How do I contact Sun Life’s life 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.

*For assistance with a plan bought though an advisor:
Call Sun Life at 1-877-786-5433 Monday to Friday from 8am-9pm Eastern Standard Time or email them [email protected]