Sun Life hotline, claims and licence
Sun Life of Canada (Philippines), Inc. is a life insurance company. 3 other companies on the IC lists share the name, each with its own licence.
Licensed. Certificate of Authority no. 2025/29-R.IC life insurer list dated Aug 31, 2026. Its 2025 premium income of ₱61.8 billion ranks 1st of the 33 companies in the IC's premium table. That is 15.3% of the ₱403.2 billion all life insurers collected in 2025 (₱61.8 billion ÷ ₱403.2 billion, IC premium table). 22,844 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 2nd most of the 34 companies licensed to sell life insurance.
- Client care hotline8-849-9888
Sun Life hotline and claims
From Sun Life's contact page.
- Notify Sun Life through the online Claim Notification Form, your Financial Advisor, a Client Service Center, or SUNLINK Client Care.
- Check the requirements and download the forms and checklist for your claim type.
- Submit certified true copies of the requirements, with a photocopy of the claimant's valid government ID.
- Hand in the requirements to your Financial Advisor or the nearest Client Service Center.
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If Sun Life becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to Sun Life first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
Sun Life products and plans
- Life insurance
- Health insurance
- Investment-linked
- Group life
- Business owners' insurance
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 22,844 |
|---|---|
| Agents with a life licence | 22,294 |
| Agents with a variable life (vul) licence | 19,447 |
| Premium income, 2025 (IC) | ₱61.8 billion, rank 1 of 33 |
These 3 companies share the Sun Life name but hold separate licences. Your contract shows which one you deal with.
| Sun Life Grepa Financial, Inc. | life insurer, 2025/28-R |
|---|---|
| Sun Life Assurance Company of Canada | servicing insurer, 2025/36-R |
| Sun Life Financial Plans, Inc. | pre-need company, PN-10-2026-R |
Company details
- Licensed company
- Sun Life of Canada (Philippines), Inc.
- Certificate of Authority
- 2025/29-R
- Head office
- Sun Life Centre, 5th Avenue corner Rizal Drive, Bonifacio Global City, Taguig City
- Official website
- sunlife.com.ph
- Licensed for: life insurance. Variable life (VUL) may be sold only by an agent with a variable contract licence; 19,447 of Sun Life's agents hold that licence.Insurance Code sec. 316
- Not licensed for: car, property and other non-life cover. Those come from the non-life list.
How tax applies to the policy
- Death benefit: proceeds paid to heirs or beneficiaries when the insured dies are not taxable income. Interest the insurer pays on proceeds it keeps for you is taxable. See income tax calculator.NIRC Sec. 32(B)(1), in force since Jan 1, 1998
- Estate tax: proceeds on your own life count in your gross estate when they are paid to your estate, or to a beneficiary you can still change. They stay out when the policy names the beneficiary as irrevocable. See estate and estate tax.NIRC Sec. 85(E), in force since Jan 1, 1998
- Premiums returned to you: the premiums you paid, returned during the term, at maturity or when you surrender a life, endowment or annuity policy, are not taxable income. See income tax calculator.NIRC Sec. 32(B)(2), in force since Jan 1, 1998
- Worked example: a ₱1,000,000 death benefit paid to a beneficiary the insured could still change. Income tax on it: ₱0 (Sec. 32(B)(1)). It adds ₱1,000,000 to the gross estate (Sec. 85(E)); once the estate's deductions are used up, that is ₱60,000 more estate tax at 6% (Sec. 84). Paid to an irrevocable beneficiary, it adds ₱0.
Before you sign or pay
- Match the company and number. Your policy should name Sun Life of Canada (Philippines), Inc. and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show Sun Life of Canada (Philippines) and a licence end date that has not passed.
- Pay Sun Life of Canada (Philippines), not a person. Keep the official receipts issued in Sun Life of Canada (Philippines)'s name.
Questions
Is Sun Life legit?
Yes. Sun Life of Canada (Philippines), Inc. is licensed by the Insurance Commission (licence 2025/29-R). A genuine policy names Sun Life of Canada (Philippines), Inc. and that number.
What is the Sun Life hotline?
8-849-9888 (Client care hotline), as printed on sunlife.com.ph.
How do I file a claim with Sun Life?
Start from the claims page on sunlife.com.ph, which lists the forms and documents for each claim type. If Sun Life refuses a claim of ₱5,000,000 or less, you can file it with the Insurance Commission instead of a court (Insurance Code sec. 439).
Does Sun Life sell VUL?
Yes. 19,447 of its agents hold the variable contract licence needed to sell VUL (Insurance Code sec. 316), on the IC agent lists of Sep 25, 2026.