Added protection without any questions about your health

Get insurance that may pay a tax-free benefit if your death is a direct result of an accident. You can choose how much you need, from $25,000 to $500,000.

You should consider accidental death insurance if:

  • You understand this type of insurance will only pay if your death is within 90 days of, and as a direct result of an accident.
  • You want added protection without answering any questions about your health.

Policy details:


  • You must be between 18 and 65 (64+364 days) and live in Canada.

Coverage amounts

  • $25,000 up to $500,000 in units of $25,000


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

  • Doing anything, including 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, 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, unless you are a fare-paying passenger on a regularly scheduled airline.

In addition, we won’t pay your accidental death benefit if your death is directly or indirectly caused by:

  • Civil disorder or war, whether declared or not
  • Service in the naval, military or air force of any country, combination of countries or international organization at war, whether war is declared or not

30-day free look

If you look over your new policy and decide it doesn’t meet your requirements, you can cancel it with no obligation within 30 days of issue, and we will refund your money.

Sample policies

Read examples of text that can appear in a policy. These examples are for your reference only – when we issue your policy, the text in that policy will govern the relationship between you and Sun Life Financial.

PDF Sun Life Go Accidental Death Insurance sample policy