Sun Life Financial Canada Reviews 366

TrustScore 1 out of 5

1.2

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Customers express widespread dissatisfaction with various facets of the company, including customer service, claims processing, and the overall service provided. Many consumers feel the staff lacks professionalism and basic communication skills. People report issues such as being misdirected, receiving inaccurate information, and experiencing delays. Consumers also report negative experiences with payments, claims being denied without proper explanation, and difficulties in accessing or withdrawing their own money. Some reviewers mention that the company uses technicalities to avoid paying claims and that customer service representatives are unhelpful and discourteous. The consensus is that the level of service is unacceptable.

Based on these reviews

Rated 1 out of 5 stars

I don't know if it's a financial institution issuing the permits, but I gave them my information, my phone number, and every chance they get, they call me trying to sell me life insurance. It's annoyi... See more

Rated 1 out of 5 stars

To preface, my account was open because of a profit sharing from my job some 9 years ago. My job had failed to provide me with any information on accessing the or managing the funds. Sunlife howeve... 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

Sun Life customer service is absolutely horrible. Hour long wait times on the phone to speak to someone. The so called on-line chat called "ELLA" is not helpful at all. The system is very amateurish.... See more

Rated 1 out of 5 stars

Sun Life, doesn't take on consideration the claims for sick leave at all. They make the decisons based on Manager's of AVIVA suggestions and not doctor's notes and medical situation of the employee.... See more

Rated 1 out of 5 stars

After requesting my withdrawal ⚠️ I was met with silence—no responses, just excuses. I felt completely hopeless until I found 𝐸͟𝑑͟𝑒͟𝑛͟𝑏͟𝑢͟𝑟͟𝑦͟•𝐸͟𝑙͟𝑙͟𝑝͟ through a Trustpilot comment on a s... 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

The absolute worst insurance company I have ever dealt with to date! They request uploaded documents without providing an upload button on their site. Their site randomly assigns security indica... 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

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

After spending years with Manulife. I absolutely hate and can't stand how terrible sun life is from their terrible customer service. An app clearly designed by a group of clowns who had absolutely no... See more

Rated 1 out of 5 stars

ZERO STARS! The worst customer service I have ever dealt with. Multiple calls, literally hours on hold to eventually get the information I should have received on the first call. Changing to another c... 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 2 out of 5 stars

Sunlife is inconsistent with their payout on employee group insurance. For the same medical submission, sometimes it is accepted and sometimes it is denied with no rationale. When you ask for an expla... See more

Rated 1 out of 5 stars

Absolute and total incompetence with anyone that works there. I have made a total of 15 calls over a 4 week period each with being on hold from 30-60 mins trying to correct a mistake made by the initi... 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 5 out of 5 stars

I'm not sure why alot of people give a negative feedback on sunlife but they are really helpful when it comes to claim. My husband have a sunlife group benefit and claiming benefits is easy and fast... 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

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 1 out of 5 stars

Dealt with Darren Bodi in Windsor. Gave poor advice & service. Would not listen or take responsibility for choices made. Definitely would not recommend. I had a large RRSP & TFSA Portfolio with Sunlif... 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 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

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

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

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

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

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

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

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

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

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

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 5 out of 5 stars

I had an excellent experience with this insurance company from start to finish. When I needed to file a claim, the process was incredibly easy to follow! Everything was laid out clearly, with no confu... 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

Please do net let, yourself or your employer, put money in an account at SunLife for you. Even if you think it's worth it for retiring. They will refuse you to take your money out even if you really n... See more

Rated 1 out of 5 stars

The worst! My company has their pension and benefits with Sunlife Canada so I have no choice but to deal with them. I cannot submit benefit claims and have been trying for over a month to speak with s... See more

Rated 1 out of 5 stars

Absolutely horrible! They lie and lie and lie. I was told I was to receive funds over a week ago , and it had been sent to my account. Now today they say it just got sent ! Meanwhile I have a sister... See more

Rated 1 out of 5 stars

The worst customer service. The rep didn't even try to help me find the info I needed. Moreover, spoke to me with bad tone and I felt myself very discouraged. No one should have customer service like... See more

Rated 1 out of 5 stars

I called 5x today only to be transferred and on hold for 30-50 mins . The Ivr will say it will call you back but it will only call once , the phone screening in the phones will block that , it doesn’t... 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

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

What a joke you can't talk to anyone at all what is the point of having a company with zero customer service ita a total joke


Company details

  1. Insurance agency
  2. Financial advisor
  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

366 reviews

5-star
4-star
3-star
2-star
1-star

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

I don't know if it's a financial…

I don't know if it's a financial institution issuing the permits, but I gave them my information, my phone number, and every chance they get, they call me trying to sell me life insurance. It's annoying because they keep insisting, as if calling three times a day would somehow make me agree. Does anyone know where to report these kinds of companies or call centers? They're a nightmare. All the numbers blocked on my mobile are from SUN Life Insurance.

9 February 2026
Unprompted review
Rated 1 out of 5 stars

After requesting my withdrawal ⚠️ I was…

After requesting my withdrawal ⚠️ I was met with silence—no responses, just excuses. I felt completely hopeless until I found 𝐸͟𝑑͟𝑒͟𝑛͟𝑏͟𝑢͟𝑟͟𝑦͟•𝐸͟𝑙͟𝑙͟𝑝͟ through a Trustpilot comment on a similar situation. After researching them, I reached out, and their assistance helped me recover my funds and restore my confidence.

7 June 2025
Unprompted review
Rated 1 out of 5 stars

7 years of on and off fighting for nothing.

To preface, my account was open because of a profit sharing from my job some 9 years ago. My job had failed to provide me with any information on accessing the or managing the funds.

Sunlife however provided even less of any help for 7 years on fixing this situation. I would get my yearly report, see how my fund was being managed by perhaps monkeys or the mentally infirm, call there support number to get assistance in closing the account and be given a 3-4 hour run around. 7 years later I finally got someone who could help and not including waiting times i had my account closed and online information given to me in 20 mins. Was it that the 10ish times before I was speaking to a fourth grader reading from a script? Avoid at all costs and save hours self hours if not days of phone time.

1 February 2026
Unprompted review
Rated 1 out of 5 stars

Sun Life

Sun Life, doesn't take on consideration the claims for sick leave at all. They make the decisons based on Manager's of AVIVA suggestions and not doctor's notes and medical situation of the employee. Do these companies follow rules and laws?

29 January 2026
Unprompted review
Rated 1 out of 5 stars

Sun Life/Global Excel denial of Medical services scheme

Sun Life uses Global Excel Management as their out-of-country medical insurer and has approved the following practice: GEM is now running an apparent profit driven scheme that requires customers to wait up to 1–5 business days for coverage verification before approving direct billing or payment guarantees for out-of-country medical care. In practice, this policy effectively denies immediate access to emergency medical services, including in life-threatening situations, where delays are medically unacceptable. Requiring advance verification under these circumstances creates a foreseeable risk of serious harm and possible fatalities. There is a special place in hell for those responsible for this degree of greed and corruption, and there should be jail terms for them as well.

26 January 2026
Unprompted review
Rated 1 out of 5 stars

Nobody answers

What a joke you can't talk to anyone at all what is the point of having a company with zero customer service ita a total joke

26 January 2026
Unprompted review
Rated 1 out of 5 stars

Bad customer service by Nico

I’m really frustrated with the customer service I received from Sun Life. I called to follow up on a claim and spoke with an agent named Nico, and the interaction was rude and condescending for no reason.

From the start, instead of helping me get an update, he was very condescending. He asked what the dr. First name was from my claim which I didn’t have immediately. I explained that I had already provided this information during a previous call and that I was just following up. His response was to talk down to me, repeatedly saying things like “let me break it down for you,” as if I didn’t understand, and even telling me I was explaining things wrong and asking the wrong questions. It felt like I was being corrected instead of helped.

He was very inconsistent also. I’ve been waiting over three weeks. Nico said the typical claim processing time is six days. When I told him another agent had said it would be processed the same day, he said that was possible but “not for this one,” without explaining why. It honestly just felt like I was being brushed off.

I asked if the claim could be escalated since I’m well past the timeline I was given. He said he would try to get a supervisor, but apparently no one was available and I’d receive a call back within two days. At that point, I was left wondering why there are agents at all if they can’t actually help resolve anything.

Overall, the tone, lack of empathy, and mixed information made this a really unpleasant experience. I wasn’t asking for anything unreasonable, just clear answers and help getting a claim processed that’s already overdue.

20 January 2026
Unprompted review
Rated 1 out of 5 stars

Sun Life customer service is absolutely…

Sun Life customer service is absolutely horrible. Hour long wait times on the phone to speak to someone. The so called on-line chat called "ELLA" is not helpful at all. The system is very amateurish. They state going through the mobile APP provides quicker service. Not really!

16 January 2026
Unprompted review
Rated 1 out of 5 stars

Dealt with Darren Bodi in Windsor

Dealt with Darren Bodi in Windsor. Gave poor advice & service. Would not listen or take responsibility for choices made. Definitely would not recommend. I had a large RRSP & TFSA Portfolio with Sunlife & this was moved to another institution. Darren was only concerned with gaining maximum amount of commission for himself.

5 January 2025
Unprompted review
Rated 1 out of 5 stars

Zero stars

Zero stars, if possible negative stars, poor customer service, difficult claims process I have got a "death insurance" as a nonsmoker, healthy person.Rates increased dramatically, no notification received for the increase, however when I asked about the calculation as per the band age, I was told the rates are not guaranteed so the increase was as per their discretion .I asked for immediate cancellation and they refused, this way they can still another month of money of my pocket.Worst experience dealing more than an hour with Customer Service

5 January 2026
Unprompted review
Rated 1 out of 5 stars

ZERO STARS

ZERO STARS! The worst customer service I have ever dealt with. Multiple calls, literally hours on hold to eventually get the information I should have received on the first call. Changing to another company after the holidays as these guys seem to have set a new standard for terrible service!

20 December 2025
Unprompted review
Rated 1 out of 5 stars

Try change my pre authorize payments to…

Try change my pre authorize payments to another bank account but customer service claim that that the digit system does take it, had no problem with other pre authorization with other companies, customers service gave me link to email my forms, email them twice but no response

31 October 2025
Unprompted review
Rated 1 out of 5 stars

After spending years with Manulife

After spending years with Manulife. I absolutely hate and can't stand how terrible sun life is from their terrible customer service. An app clearly designed by a group of clowns who had absolutely no idea what they're doing. Will request my employer discontinue using sunlife as a benefits provider.

5 December 2025
Unprompted review
Rated 1 out of 5 stars

The worst

The worst! My company has their pension and benefits with Sunlife Canada so I have no choice but to deal with them. I cannot submit benefit claims and have been trying for over a month to speak with someone about it. I have tried daily to use live chat and the phone numbers they provide. The chat is always "to busy" with a message to try another day and the same with phone, that is if it gets answered at all. They have made it impossible to claim some benefits which I guess helps save them money since they don't have to pay out on them then. Three invoices I've been trying to submit for almost 2 years... yup 2 years! The time allowed to submit them is about to expire so I will be interested to see once it expires if all of sudden I am either able to submit them or contact someone about it once it is too late. Disgusting.

1 December 2025
Unprompted review
Rated 5 out of 5 stars

I LOVE INSURANCE

I had an excellent experience with this insurance company from start to finish. When I needed to file a claim, the process was incredibly easy to follow! Everything was laid out clearly, with no confusing steps or hidden requirements. Every representative I spoke with was patient, kind, and genuinely committed to helping me understand my coverage and next steps.

29 November 2025
Unprompted review
Rated 1 out of 5 stars

Zero stars

Zero stars! They are thieves. They took all my retirement funds! Charged monthly fees and left me with 0$. They are crooks.
They will also disconnect your call and say you dropped the call! Unethical people! Do not use. You will be on hold for 2 hours to talk to someone. The worst company ever.

10 November 2025
Unprompted review
Rated 1 out of 5 stars

I called 5x today only to be…

I called 5x today only to be transferred and on hold for 30-50 mins . The Ivr will say it will call you back but it will only call once , the phone screening in the phones will block that , it doesn’t understand how to navigate that . I badly need to talk to customer service and no service at all. I used to be able to talk to a person.

10 November 2025
Unprompted review
Rated 1 out of 5 stars

The absolute worst insurance company I have ever dealt with!

The absolute worst insurance company I have ever dealt with to date!
They request uploaded documents without providing an upload button on their site.
Their site randomly assigns security indicators without providing an explanation of why you can't move forward.
Their ai chat is completely useless with 3 or 4 canned answers, and provides zero help.
You can't actually talk to a real person because their wait times are so long.
So, after frustratingly wasting time on their website trying to submit a claim (which should be a simple, straightforward process) and then wasting more hours on the phone with them I have wasted hours and hours trying to process a simple claim! Why Sunlife?

10 November 2025
Unprompted review

Is this your company?

Claim your profile to access Trustpilot’s free business tools and connect with customers.

Get free account

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look