Sunlife No Medical Exam Life Insurance — Sun Life Go & Simplified Issue (2026)
Sunlife (Sun Life) offers term life insurance without a medical exam through Sun Life Go: an online application with quick decisions for eligible applicants. This guide explains how Sun Life Go works, who typically qualifies, coverage limits, and how it compares to other no medical exam life insurance options in Canada.
Updated March 16, 2026
How Sun Life Go works
Sun Life Go is an online application for term life. You answer health and lifestyle questions; no paramedical exam or nurse visit is required for approval. Underwriting may use prescription data, MIB, and other sources. If you qualify, you can get a decision in as little as 24–48 hours. Not all applicants are approved through Go; some may be referred to a full underwriting path.
Eligibility and limits
Eligibility and maximum coverage under Sun Life Go depend on age, health, and product. Limits are often lower than fully underwritten policies. If you need higher coverage or have health issues, you may need to apply through the standard process with an exam. No medical exam life insurance options across the market have similar trade-offs: faster approval, often lower caps and sometimes higher premiums than fully underwritten coverage.
Sun Life Go vs other no-exam options
Manulife, iA Financial, and other insurers also offer simplified or accelerated term life with no exam. Approval speed, limits, and pricing differ. Comparing free quotes lets you see Sun Life Go alongside other no-exam and fully underwritten options so you can choose the best fit. For a broader overview see life insurance without a medical exam.
FAQ
What is Sun Life Go?
Sun Life Go is Sun Life's online term life application. Qualifying applicants can be approved without a medical exam, often in 24–48 hours.
Does Sunlife offer no medical exam life insurance?
Yes, through Sun Life Go. Other carriers like Manulife and iA Financial also offer no-exam term life.
How fast can I get Sun Life Go approval?
Some applicants get a decision in 24–48 hours. Eligibility and timing depend on age, health, and coverage amount.
Compare no-exam and standard quotes
Get a free quote to see Sun Life Go and other no-exam and fully underwritten options from 50+ Canadian providers.
Related: Sunlife Insurance Canada · Sunlife Term Life Rates · Best No Medical Life Insurance Canada