Sun Life Financial Canada Reviews 339

TrustScore 1 out of 5

1.2

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Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Customers express widespread dissatisfaction with various aspects of this company. People are particularly unhappy with the staff, citing issues that affect their overall experience. Consumers also report negative experiences regarding payments, adding to the general discontent. The sentiment extends to the service provided, with reviewers consistently expressing their disappointment. The company's app is another source of frustration for many, while others take issue with the level of contact they receive. Overall, reviewers paint a concerning picture of their interactions with the business.

Based on these reviews

Rated 1 out of 5 stars

Absolutely not acceptable service. They ignored my request to transfer RRSP from another provider to them beyond the due date despite multiple attempts to contact them with the guidance. It resulted... See more

Rated 1 out of 5 stars

Trying to get any help for an LTD case is near impossible. They wait till the absolute last day to go through your paperwork and then give you pending decisions…they claim they dont have contact infor... See more

Rated 1 out of 5 stars

Even if I could, I wouldn’t give them even one star. I had purchased insurance from Sun Life to cover my mortgage, but after I fell from a container and broke my right arm, I had surgery at t... See more

Rated 1 out of 5 stars

If I could review a 0 I would. I requested an account transfer of a DCPP after leaving my last employer in May. It is now mid SEPTEMBER and the transfer is still incomplete and have lost thousands on... See more

Rated 1 out of 5 stars

Incompetent CSRs. Extra long - over an hour each time i call and In addition being misdirected several times in one call??. Only Manager and one staff person has been able to assist: Re: Old L... See more

Rated 1 out of 5 stars

This should be zero stars. Sun Life employees do not care about anyone. They drop the ball on Long Term Disability claims making it so people who are on stress leave don't receive a paycheque before C... See more

Rated 1 out of 5 stars

Waiting on pension plan payment, Pushed from one person to another on phone until cut off. After several hours and weeks finally talked to knowledgeable person. She was very good started paper work fo... See more

Rated 1 out of 5 stars

I wish I could give them a negative star. The advisor took advantage of a man with disabilities, brain injury and mental health issues to gain a higher commission. They have now kept over 45k of... See more

Rated 1 out of 5 stars

Worst customer service I have ever experienced since the Covid pandemic. We were told by our Sunlife Agent, that we would recieve our Life Insurance policy dividend by 4-6 business days. After... See more

Rated 1 out of 5 stars

I needed to transfer my RRSP funding to Sun Life Financial LIRA account back in November 2024 with a deadline set as January 6, 2025. Made numerous calls, sent all documents. They replied to me i... See more

Rated 1 out of 5 stars

I have osteoporosis, as a result i have multiple lumbar fractures, went for a massage and was declined coverage. In 2024 for at least a year they paid for massage through a different company. Multi... See more

Rated 1 out of 5 stars

Unprofessional attitude. They paid me $425.81 by mistake, next day I have returned through online banking, it is now over a month but they deducted from my Health spending account, means it cost me d... See more

Rated 1 out of 5 stars

Customer Service is once again the worst of the worst. For such a small request since December 2024, 6 online messages on their portal, the request has still not been handled. Maybe if employees wer... See more

Rated 1 out of 5 stars

I made 5 phone calls trying to understand wording on our work policy: "If you apply for coverage either for yourself or your dependant more than 31 days after becoming eligible, the max amount... See more

Rated 1 out of 5 stars

because they got such a big client base, they've got stricter rules and harass people I lost proof of payments, so they blocked my online access - which is still fine but even the direct billing... See more

Rated 1 out of 5 stars

This has been the absolute worst experience with a group insurance company I have ever had, and I've dealt with many over my working years. No flexibility nor understanding that doctors here on the... See more

Rated 1 out of 5 stars

I wish there was a -100 rating! Sunlife insurance remains the worst ever kind of company to get enrolled with! Filled with lazy agents who cannot successfully get a Client details across to the pharma... See more

Rated 1 out of 5 stars

I had to give one star so I could continue writing this review If I could give a negative I would This company is crap. They sit there and want information and paperwork yesterday phone y... See more

Rated 1 out of 5 stars

Worst dealing. Earning money not supporting people suffering from last 8-9 months. Submitted documents and reports but staff don’t even listen and give their decision and disconnect the call. They do... See more

Rated 3 out of 5 stars

I have had the worst experience with this company and now it seems they are unprofessionals to their customers. Their employees obviously don't care about us and we are merely treated anyhow. i would... See more

Rated 1 out of 5 stars

Terrible service experience. Wife passed away in Jan-2023, I am beneficiary of RRSP - everything filled out properly for payout of claim. It has been months and months of no action, excuses and fake p... See more

Rated 1 out of 5 stars

Sun Life is the most difficult company to deal with. I'm not sure if clients receive such hassles getting general information, but as an advisor, I can't get a straight answer to a simple procedural... See more

Rated 1 out of 5 stars

I have had an ongoing claim on my Father's life insurance for nearly 5 months. They constantly want different documents or in a different format or different wording. My Mother died 3 months afte... See more

Rated 1 out of 5 stars

I hate HATE Sunlife as a business, because they intentionally design their software to make the claims submission process so difficult and awful from a user experience perspective. The website... See more

Rated 1 out of 5 stars

The Sun Life app can’t be relied on to determine eligibility. Specifically the optometrist section of the app doesn’t provide next date of eligibility. Instead it gives what is called an “AS OF” dat... See more

Rated 1 out of 5 stars

The security check with Sunlife really sucks. I left my company and would like to transfer my accounts to my bank for better management. When I called them, interestingly I passed the security check... See more

Rated 1 out of 5 stars

Absolutely Garbage company. I was under a work policy for 3 years in which I provided countless documentation to prove I have the ailments I have. After losing my job and being harassed into switchi... See more

Rated 1 out of 5 stars

You have to submit a claim three or four times before they realize they were in the wrong! I even submitted their email response when I confirmed that I have coverage for the service and they don't wa... See more

Rated 1 out of 5 stars

What a useless benefit company. My company pays them a lot expecting the employees to have health and dental coverage. In years of using them we have only had three major claims. They didn't cover th... See more

Rated 1 out of 5 stars

This company contacted me to say there was some unclaimed money from approx. 30 years ago. When I tried to find out, all they could focus on was the security questions which I and they knew I couldn'... See more

Rated 1 out of 5 stars

This is the most unprofessional company I have dealt with. Do not invest your money with them !!! I and my advisor have been trying to withdraw from my investment and it has been months. They delibera... See more

Rated 1 out of 5 stars

One star! Impressive! I could select zero or I would have. Denied my brother’s death disability benefits. Sent in paperwork 6 times but he kept getting emails reminding him to submit. Disability recog... See more

Rated 1 out of 5 stars

Sunlife is really suck since they change property management. In 2006, we received the refund within 2 days of life insurance claim. In 2024, waiting and waiting, do they understand that it's our mone... See more

Rated 1 out of 5 stars

Sun Life comes up with whatever technicalities they can to avoid paying claims. I am allotted $750 a year for podiatrists visits, but when I submitted for a minor procedure as a one time cost (s... See more

Rated 1 out of 5 stars

If you are a business owner don’t use Sun Life unless you want to make your employees very upset with you. If I could leave less stars I would! I feel sorry for the employee’s at Sun Life who seem to... See more

Rated 1 out of 5 stars

Fraud Company I bought a Sun Critical illiness Insurace Term 10 contract. After 2 years i cancell it where on page 5 and 21 You Right to cancell this policy has reports as explained by the broke... See more

Rated 1 out of 5 stars

if i could rate lower I would! They have repeatedly declined all my claims. Only after I called did they tell me why. Apparently the attachments were blurry, but they are perfectly clear on my end and... See more

Rated 1 out of 5 stars

Worst company to ever deal with. They hire a bunch of narcissistic psychopaths that has your life in their hand and can play DR whenever they want to. Cut you off of your benefit just because they thi... See more

Rated 1 out of 5 stars

I am extremely dissatisfied with my experience dealing with Sun Life. Over time, it has become clear that your service is consistently slow, disorganized, and lacking in transparency.You take... See more

Rated 1 out of 5 stars

I deposited some money into my non reg with Sunlife. nowhere did it give me a warning about the amount I was putting in. Now I'm trying to get it out for a down payment on a new home, and its taking... See more

Rated 1 out of 5 stars

My RRSP was set up by Kodak Canada with this company, sunlife.ca. i have nothing but headaches when i try to access my account or information

Rated 1 out of 5 stars

Difficult to submit file, web is not friendly at all. Hope can improve it let us can straight forward to submit a e-claim

Rated 1 out of 5 stars

Avoid investing with sunlife. They will find ways to charge you fees due to their own mistakes. There is no way to dispute these fees.

Rated 1 out of 5 stars

My Long-Term Disability insurance with SunLife. The premium is deducted from my payroll. There is no receipt from SunLife. That's OK. but the problem is when I claim the premium under my persona... See more

Rated 1 out of 5 stars

I wouldn’t even give it a star but …. The worst company . Stole 28,000.00 from me. Terminated my policy after one missed payment over 16 years then gave me such a run around for two years. Lied and l... See more

Rated 1 out of 5 stars

no communication, deny a claim but never ask for more info, not notify me, play hush to avoid a legitimate claim.

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Company details

  1. Insurance Agency
  2. Financial Consultant
  3. Health Insurance Agency
  4. Insurance Broker
  5. Life Insurance Agency

Information provided by various external sources

Sun Life Financial Canada offers financial planning, investment options, retirement savings, life insurance, health insurance, group benefits and more.


Contact info

  • King Street South 227, N2J 1R2, Waterloo, Canada

  • sunlife.ca

1.2

Bad

TrustScore 1 out of 5

339 reviews

5-star
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1-star


Rated 1 out of 5 stars

Not just imagine

Not just imagine, When I emailed them I was cutoff and my fundz didn't appear in my £69,500 balance then escalated the matter to Ve lours blancs And they helped me got all back

July 22, 2025
Unprompted review
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Rated 1 out of 5 stars

Absolutely not acceptable service

Absolutely not acceptable service. They ignored my request to transfer RRSP from another provider to them beyond the due date despite multiple attempts to contact them with the guidance. It resulted in involuntary purchase of the annuity which I was not intended to do.
Sun Life didn’t even apologize. They made it my fault.
Very bitter experience. Never ever use them for anything.

February 5, 2025
Unprompted review
Rated 1 out of 5 stars

Trying to get any help for an LTD case…

Trying to get any help for an LTD case is near impossible. They wait till the absolute last day to go through your paperwork and then give you pending decisions…they claim they dont have contact information when in fact it was submitted. Always…find a way not to pay insurance motto….

September 19, 2025
Unprompted review
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Rated 1 out of 5 stars

If I could review a 0 I would

If I could review a 0 I would. I requested an account transfer of a DCPP after leaving my last employer in May. It is now mid SEPTEMBER and the transfer is still incomplete and have lost thousands on the market, they are ridiculous. Never never never give your money to Sunlife.

September 14, 2025
Unprompted review
Rated 1 out of 5 stars

Sunlife is thief

Even if I could, I wouldn’t give them even one star.
I had purchased insurance from Sun Life to cover my mortgage, but after I fell from a container and broke my right arm, I had surgery at the Jean-Talon hospital. During the six months when I was unable to work, the least I expected was for my insurance to cover the minimum mortgage payments.

But after 8 months, they shamelessly told me they wouldn’t pay. I have filed a complaint against them with the AMF.

They are truly thieves.

Now imagine if I had been paying for more than ten years and this accident had led to me losing my home — it would’ve been devastating. They are truly thief's .

September 14, 2025
Unprompted review
Rated 1 out of 5 stars

slimy

no communication, deny a claim but never ask for more info, not notify me, play hush to avoid a legitimate claim.

September 9, 2025
Unprompted review
Rated 1 out of 5 stars

I wouldn’t even give it a star but …

I wouldn’t even give it a star but …. The worst company . Stole 28,000.00 from me. Terminated my policy after one missed payment over 16 years then gave me such a run around for two years. Lied and lied and lied. Unbelievable.
I’m suing them.

May 2, 2025
Unprompted review
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Rated 1 out of 5 stars

if i could rate lower I would

if i could rate lower I would! They have repeatedly declined all my claims. Only after I called did they tell me why. Apparently the attachments were blurry, but they are perfectly clear on my end and scanned through the printer so it wouldn't be blurry. BUT they tell me they are blurry and tell me they cant see anything YET they can tell me what the attachment is missing.... how does that make sense.

August 22, 2025
Unprompted review
Rated 1 out of 5 stars

HORRIBLE.

I am extremely dissatisfied with my experience dealing with Sun Life. Over time, it has become clear that your service is consistently slow, disorganized, and lacking in transparency.You take ages to respond, often 2–3 weeks or more, yet when you need information from me, the expectation is immediate.There are no timely updates or clear information provided throughout the process. I am often left in the dark about the status of my claim.I am assigned a case manager, only to have them changed multiple times. Each change causes further delays and forces me to re-explain everything from the beginning.

There is a clear lack of urgency or care for my situation. Sun Life seems to “take its sweet time” whenever I need something.

Payments are frequently late, and there are repeated delays without explanation.

It often feels like Sun Life tries to find reasons not to accept claims, rather than working with clients in good faith.

This repeated pattern shows a complete disregard for the people relying on your services many of whom are in stressful and vulnerable situations. I expect far better communication, consistency, and accountability from a company handling such important matters.

February 1, 2025
Unprompted review
Rated 1 out of 5 stars

Sun Life is the most difficult company…

Sun Life is the most difficult company to deal with. I'm not sure if clients receive such hassles getting general information, but as an advisor, I can't get a straight answer to a simple procedural question like how to deal with cashing or transferring stock options. "Privacy doesn't allow them to give me what document is required". Big secret apparently. I am able to do business with Sun Life, but I will never. From a client standpoint, particularly with group plans, expect ZERO guidance, support or competent advice, and very poor returns because you will get no advice on choosing appropriate funds. If you have not averaged double digits, they failed you miserably. If you left your company, move your account/pension out immediately and find a competent advisor.

August 1, 2025
Unprompted review
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Rated 1 out of 5 stars

Multiple lumbar fractures from osteoporosis osteoporosis

I have osteoporosis, as a result i have multiple lumbar fractures, went for a massage and was declined coverage. In 2024 for at least a year they paid for massage through a different company. Multiple times, at least one appointment per month. They said they have no record of payment for those claims.

July 21, 2025
Unprompted review
Rated 1 out of 5 stars

This has been the absolute worst…

This has been the absolute worst experience with a group insurance company I have ever had, and I've dealt with many over my working years.
No flexibility nor understanding that doctors here on the East Coast are buried in their workloads, and cannot run to fill in forms at a moment's notice. And then deny your claim because the forms were not filled in within two days of my actual doctor visit.
This is completely unacceptable.

July 16, 2025
Unprompted review
Rated 1 out of 5 stars

DONT CHOOSE SUNLIFE.CA

My RRSP was set up by Kodak Canada with this company, sunlife.ca. i have nothing but headaches when i try to access my account or information

July 2, 2025
Unprompted review
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Rated 1 out of 5 stars

This company contacted me to say there is unclaimed money.

This company contacted me to say there was some unclaimed money from approx. 30 years ago. When I tried to find out, all they could focus on was the security questions which I and they knew I couldn't answer due the age of the old account. Even talked with a supervisor. Again only could focus on the questions. Also they couldn't answer if there was money, why did I not receive a yearly statement in all this time. I finally gave up.

July 15, 2025
Unprompted review
Rated 1 out of 5 stars

Waiting on pension plan payment

Waiting on pension plan payment, Pushed from one person to another on phone until cut off. After several hours and weeks finally talked to knowledgeable person. She was very good started paper work for administration. Now in administrations hands, waiting game starts again. We are in need of my own money to make financial obligations. They keep you in the dark not knowing when funds will be available. Bills don't wait. Should be a simlpe process to withdraw your own money. Purchaced medical plan with no issues or delay. They have no problem taking money, pension funds should be the same.

June 27, 2025
Unprompted review
Rated 1 out of 5 stars

I had to give one star so I could…

I had to give one star so I could continue writing this review

If I could give a negative I would

This company is crap. They sit there and want information and paperwork yesterday phone you complain to you that we need it
And then wait three weeks to get back to you

Sit there and say we will contact you on a certain day never do
The adjusters or staff working for them have no empathy or sympathy

Definitely doing whatever they can to not pay benefits, long-term short-term, sick time absolute crap company

June 20, 2025
Unprompted review

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