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I am a solicitor.
I am sorry to hear this. Have you made a formal complaint with Sun Life?
Has your complaint been addressed?
Unfortunately, the insurer is not registered in the UK from what I can see so you cannot complain to the Financial Ombudsman Service in the UK.
Their complaints policy is here: https://www.sunlife.com/international/en/client-complaint-resolution-process/
Please put a link to their website here.
We do not need to speak on the phone.
Please put up a link to their website here.
I have just re-checked the correct entity, you may complain to the Financial Ombudsman Service in the UK, it says so here: https://www.sloc.co.uk/en/customer-services/complaints/
All the best