Sun Life Life Insurance Reviews

My daughter's father passed away in May of 2017. We have been going through the run around since then. She still hasn't received her money he has left for her. I am also on there and because I am the "EX-WIFE" they won't give me my part either. I have to get my divorce paperwork and prove that the divorce decree doesn't say that it doesn't go to me for life insurance. I have sent my divorce paperwork and still nothing. I have emailed them and called them and I am getting absolutely NO RESPONSE! It is so frustrating! I think this place is a dang JOKE!

This company is absolutely appalling. We were told it would take 2-3 weeks for us to receive our money after cancelling a life insurance policy my father had, on my brother and myself, as he was gravely ill and we needed the money to care for him. After 3 weeks I called, and the money hadn’t been sent. They said it would be one more week. After that, I called. Again it hadn’t been sent. Repeat for 5 more weeks. Every day I told my father not to worry, we would have the money soon. I get a phone call, as we are sitting by my father in the hospital, and they asked for the address for where it should be sent. Over 2 months later they still didn’t even write the cheque. The money came 1 day before my father died, he was in a coma and didn’t know we received it. I’m disgusted by how many times I was lied to and disgusted he spent 25 years paying a company like this.

We bought insurance and financial products from Sun Life in 2010. Their subsequent communications are an ongoing Gong Show. Thousands of words, very few numbers, no transparency at all. Another example just came in: a letter informing us that “the monthly cost of insurance of $140.62 exceeded the fund value in your policy on Nov. 18, 2017, and a minimum payment of $75.27 is required.” We called our very experienced agent (again) to ask about it and got back 2 long emails full of details about our various accounts without clarifying anything at all. Some of the details were flat wrong. We called him again this morning and had to rein his complicated, jargon-loaded, often erroneous explanations in several times before he finally realized what the “fund value in your policy” meant and that the $75 payment was going to disappear anyway when we make our regular annual payment. Our agent pointed out that people commonly lose track of the complexities of their Sun Life policies and other accounts. Well, duh. I asked why, since the company is obviously aware of that fact, their communications are ALL so obtuse as to make their customers feel too stupid to follow what is happening with their investments? No answer. He also had no answer for why his calculations about this matter do not match those of the letter. Sun Life is a Gong Show as far as customer communications and transparency are concerned. The only reason we have not closed our accounts with Sun Life is because none of the 3 tiers of customer service we have contacted can tell us what it will cost us to do so. As far as they have been able to show us, our investments with them have paid less than 5% returns during one of the most profitable markets in the history of the world. We would not trust Sun Life to carry our lunch around the corner, and are chipping away at an escape hatch.

My dad died 2 months ago, claim for funeral cover was made 2 days after. We are still waiting for the funeral money to be paid. This company uses delay tactics to avoid paying out - asking for death certificate to be sent twice, then stating executor of will needs to be changed 8 weeks after original claim. We now have to re apply for money. Disgusting service to grieving family. Luckily our funeral director is understanding otherwise we would have problems. AVOID - I could scream when I see those cringey adverts. Not a good company.

I had 2 life insurance policies (one company provided and an additional supplemental policy). I decided I no longer needed the supplemental policy and called mid-November to cancel it. I'd already had numerous problems with this company with billing issues on the company provided policy and had experienced months of run-around. I found the same problems in trying to cancel a policy. First of all, you have to wait forever to get thru to them on the phone. Then you are told you need to email your request, complaint, question, etc. to a generic email address. The emails go unanswered. Follow up phone calls get you nowhere. After 3 emails and a threat to complain to my state insurance board, I got a response that my request to cancel my policy was "under review!" I had prepaid for the quarter and called to cancel about 6 weeks into the quarter so expected a pro-rated refund but since they have to "review" my request, they have now dragged this out thru the quarter. Ridiculous! If I want to stop doing business with your company, what is there to "review"...it's not even a claim! And now I am getting the runaround again on the remaining policy I hold with them because I want to go from quarterly payments to monthly so that when I find another policy thru another company and cancel with Sun Life I dont' lose 2 months worth of payments! There is no way to change your policy payment schedule on their website, and a call, when I finally reached a representative resulted in being told to email my request. I flat-out told the rep I refuse to go thru the email run-around again and mailed them 1 months payment with a 7 page complaint letter, including all of my unanswered email threads from previous problems. Avoid this company. I realize from the poor way they treat customers that if my family had to file a claim on my life insurance, they would be treated the same way and face months of stone-walling and being ignored!

The person passed away before Sun life Insurance sent the payments to her. So according to the policy, they have to pay 30 times the monthly amount to the surviving spouse or, if there is no live spouse, to their single children under 21. Well, she had a spouse and Sun Life insurance only paid 6 times the monthly amount she was entitled to received. We are still going back and forth with them trying to make them pay

Appalling service don't waste your money with this load of cowboys. My father passed away 7 weeks ago and started the claim process the following day to pay for his funeral still waiting for the money he's paid on time for over 5 years. Service is slow, delay tactics are used . Complaints team respond with assurance it will be dealt with promptly and still nothing. So the bit about taking the stress away from your loved one is complete rubbish! They've caused additional stress for the last 7 weeks. Put the money under your floor boards for your funeral as looking at reviews watch dog say it's likely you won't even get as much as you have paid in over the years!

When someone passes away, you don't expect rude arrogant and ignorant actions from an insurance company, well, Sun Life were awful with me and cold, not one person said sorry for your loss. When we tried to claim for the Policy, Sun Life said they wouldn't pay out until they got the Invoice from the Funeral Directors. The Funeral Directors don't send an Invoice until after the Funeral, apparently, they were not pleased with the Funeral Directors either. My advice, if you're a young parent - put money in a bank account - at least then you can pay for your loved one's Funeral in full. This company should be ashamed of themselves!! I was told on one occasion "have I quite finished" - how rude is that and I was polite and Courteous, unlike the uncooperative and unhelpful member of staff. Avoid, don't put up with what I've had to deal with.

It's been 10 months since I submitted a request for life insurance payment from Sun Life. After 3 months of calling writing letters etc. I have finally been denied. I filed again and was denied again, I then filed again and was denied. The reason for denial was that Sun Life states that my deceased wife didn't submit a document called "EVIDENCE OF INSURABILITY". This document was never requested nor has any mention of it been made by her employer. I have hired a lawyer that specializes in this area but have still even denied. I am not satisfied with this lawyer either but that's another story. This EVIDENCE OF INSURABILITY document states that you have no disease that would cause death within 3 years of the start date of the policy. She got cancer 4 years after start date. I contend why worry about the document since it's been 4 years. Of course Sun just sees a chance for denial. Today is May 20th 2017 she passed Aug 16 2016 and I'm still fighting. My next course of action is to sue in federal court, which I plan to do. I will not give up until I have collected