Sun Life Life Insurance Reviews

As a healthcare practitioner, who has more than 20 years of experience, I worked throughout the pandemic providing frontline care. Suffering burnout and compassion fatigue, (called major depressive disorder by my healthcare practitioner) I accessed my workplace benefits for support. After leaving me without ANY benefits for a period of 2 1/2 months (from May to July, while they 'reviewed' my claim, Sun Life ultimately decided that I did not qualify for benefits because I did not meet all their criteria - i.e: not accessing enough mental health support. In a time when Mental Healthcare is most in demand, and unattainable. When daily reports that Mental Health issues are at an all-time high. I accessed, as much as I was able, but not 'enough'. They also stated I did not qualify as 'Totally disabled'. No, I wasn't. I was open to, and actively involved in a graduated return to work plan, with accommodations in place! But that made me not totally disabled. A catch-22 like a leg-hold trap! Do you want me to pretend to be sicker, and more disabled than I am so I can qualify for services? Yet, I am also expected to be actively involved in a rehabilitation plan. This is a scam. Sun Life as an organization should be ashamed of itself. I've worked with clients for over 2 decades to support their mental health and wellness and advocated for them when they encounter challenges and resistance from Insurance and employers. Then, when I need support - it is not there.

Le site ne fonctionne pas pour consulter les garantis... un message téléphonique d'une autre époque avec un demande de téléphoner plus tard dans la semaine en raison d'une forte demande...
3 transferts plus tard avec un conseiller sans réponse, sans solution...
Pas de superviseurs disponibles, un retour dans 10 jours avec possiblement une réponse

Un des services les plus merdiques au Canada, merci Sun Life de nous rappeler ce qu'une entreprise ne doit pas être !

Une heure de pure perte de temps

I am 32 years old and recently this year decided I needed to start thinking about putting money away. I met a Sun Life advisor at the women’s show set up at the Sun Life booth and got in contact. First of all the lady spoke with me and then called me back maybe an hour later saying "I’m sorry I forgot to put you in the schedule. What time was our appointment and day again?" ( OK BIG RED FLAG I clearly looked past too on my part. But I figured it’s Sun Life they are extremely reputable no biggie. We all have those days). The next step was a zoom interview, she spent a whole hour or so with me going through a long questionnaire about my best fit, my income my debts expenses, ect... to decide what policy was best based on my income and lifestyle. So she set me up with equitable life, I told her that based on my income I could afford a max of $50 off my pay by end of the month. Then I said to her ok let’s do $40 with inflation and everything I don’t wanna take a chance.

So she says she will change it to $40 a month and I think all is good. First paycheque and I see $50 taken off. So I send her this message :

"Hello and good afternoon Suzette,
I Just wanted to inform I saw $50 was taken off my bi-weekly paycheque when I had requested the change to $20 bi-weekly or 40 monthly? Can you please explain why I saw the $50.00 off this biweekly paycheque deduction? After requesting the change with you. Also if this was expected and changing the amount to $40 was not something that would be reflected in time... as far as I can remember correctly, I was not made aware this would happen. If I mention financially I am worried about struggles and ask for $20 off each bi-weekly cheque this is more detrimental to me. Please explain why I am seeing this, much appreciated.

Have a good day,
Sara E."

And she responds with …..

"Hi, Sara,
Good morning, I apologize for the confusion as per Equitable Life the minimum deposit is $50 per month. Unfortunately, $40 does not meet the requirements for the funds. You can send me a letter requesting to cancel the policy and issue a refund based on the market value back to your bank account. Please include your policy# 600750186"

SO SHE TAKES MY MONEY AND LETS IT ALL GO THROUGH THE PROCESS AND NEVER ONCE TOLD ME THERE WAS A $50 minimum and she could not accept $40 and we should find another plan? She just lets it process and goes ahead and tells me afterward? After she maybe got a piece of it I’m sure. If there’s a minimum and you’re aware of this you say something not wait until the money is taken from me first. I was so upset.

Then she says …

“Apart from being a savings account, the account is also an investment account the money deposited is used the buy investment funds. I recommend opening a savings account with your bank as these types of accounts will require a minimum $50 deposit. I will need a letter of direction to cancel the account and send it asap before the next withdrawal date.
Suzette C"

Ok, so this lady told me this is a segregated RRSP you put your money in it builds interest… There’s no real risk of losing, ect... making it out to be pretty average savings, not stocks or anything like that.

I had to do a stop payment with my bank and I will NEVER EVER EVER RECCOMEND. Such a lack of transparency, greedy little advisors working there getting their piece of the pie! Disgusting!!

I was literally better off keeping my money under the mattress as my immigrant ancestors did now I get it.

Their website and the sign-in process are a disaster. Call someone to get vague instructions and have some long-drawn-out process just to set up an account to check if something is covered or not.
It's 2022 figure it out!!!

My place of employment changed health benefits provider 5 months ago. Nothing but problems every time I try to have my prescriptions filled. From their customer service people who are a waste of time (not being able to access anything on my account to wrong information provided).
If it has a lesser cost than other plans, there is a reason! Just remember, you get what you pay for.
If you have a choice, please do not waste your time with Sun Life.

Spent 3 hours on various phone calls to just get my account "finalized" to submit a claim. My online claim submission option is still not available after 2 weeks. It takes 45 minutes to get someone on the support line, and even then, they try to hang up on you before answering half your questions.

I have called several times and have been unable to reach anyone for help...
After one hour of waiting, I am told I am not at the right place (despite having had advice from the local advisor to call these numbers) and I am transferred to another line where the wait is over one hour. I eventually had to leave as I have to work and I am not able to take a day off work to get through the system.
And the same process is ongoing.
What am I supposed to do?
It seems to me that the company is incompetent or is mainly concerned about maximizing profit but certainly doesn't care about customers.

When using the online chat sometimes it is frustrating because there are "temporarily unavailable". Had to wait more than a year to get covered for the dental coverage. Agents don't explain this, only want commissions! There is other better insurance than Sun Life. WOULD NOT RECOMMEND IT!

We want to let you know if you encounter an advisor named Ender D. not to deal with him or do not close any transaction with this man. We've been turned away and do not call us back regarding the policy of my husband... We tried for so many months to call us back concerning the policy unfortunately this advisor has never ever tried to call us back since 2019! We even went to his home office at Etobicoke and leave a message to a neighbor... She claimed she is a neighbor.... But we received no call back from this irresponsible advisor. We would like to reach Sun Life to ask this advisor to attend to all his clients' needs and be responsible to call back his clients. And all the clients in the future do not ever transact to this advisor and surely what he did to us will do the same what we experience... frustration and stress.

Sunlife confirmed coverage of charges ahead of time when I verified. They then refused payment. When I called Sun Life the service team blamed internal consultants for coverage refusal. Multiple calls and wasted time, each time Sun Life promised to rectify the situation. They never did and ultimately waited until we gave up. Stay away from this company. Over the 12 years, I was a client because of my employer... I have multiple examples of this company actively avoiding coverage and generally being a terrible insurance company. If you have a choice stay away from Sun Life at all costs.