Sun Life's accidental death and dismemberment (AD&D) coverage, offered through employers, makes our list of the best AD&D companies. The company sells other kinds of life insurance through employers in the U.S., too.
Financial strength rating
Exceptional
Online purchase
No
NAIC complaints
Close to expected
Policies offered
Term
Shopping for a straightforward life insurance policy? Choose one of our best life insurance companies of 2026.
About Sun Life insurance
In the United States, Sun Life provides group life insurance and other workplace benefits through employers. It’s primarily known for its accidental death and dismemberment (AD&D) coverage, which pays out if you die or get injured due to an accident. The amount of insurance you can buy depends on your employer, but Sun Life stands out for offering policies worth up to $1 million — this is exceptionally high for this type of coverage.
Sun Life earned 4.2 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Based on this star rating, Sun Life is one of our best AD&D insurance companies of 2026.
More about Sun Life
Sun Life is headquartered in Toronto, Canada. In the United States, Sun Life offers employer-based products like life insurance, dental and vision plans, disability insurance and critical illness insurance.
The company sells a wider range of products, including individual life insurance, investments and health insurance, in Canada. It also serves a number of other countries, many of which are in Asia.
How to contact Sun Life
Sun Life can be reached by:
Phone: Call customer service at 800-786-5433.
Email: Send a message to USWeb_General_Information@sunlife.com.
Live chat: Not available.
If you have an active Sun Life policy through your employer, you might need to direct questions to your HR department or your employer’s benefits administrator.
Learn about top-rated life insurance companies
Check out NerdWallet’s top picks across these categories:
How we rate the best life insurance companies
✅ 445 life insurers reviewed
📝 210 policies assessed
🔢 1,515 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (35%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (35%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
☎️ Consumer experience (20%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores. The same goes for insurers who support online quotes, beneficiary changes and claims.
👀 Transparency (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
