• Straightforward and affordable ISAs, funeral plans, life insurance, Wills and more. Straightfordable SunLife.

  • Find the right products for you

  • The Guaranteed Over 50 Plan is the UK’s No 1 choice^ for over 50 life insurance. It's a simple and affordable way to leave a cash sum as a gift for your loved ones, or to help towards funeral costs.



    • A fixed cash sum for loved ones when you die, provided you've paid in for at least two years.
    • Aged 50-85? We guarantee to accept you, with no medical.
    • Premiums start at just £3.90 a month - the lowest you’ll find in the market†.
    • Lifelong cover as long as you keep paying your premiums when due.




    Learn more
    Get a quote

  • Family Life Insurance means up to £500,000 for your loved ones if the worst happens to you. Because they're worth it.


    Straightforward, affordable financial protection brought to you by SunLife.


    Plus, you can choose critical illness cover to get 25% of your life cover early if you're diagnosed with one of the specified critical illnesses.

    • Premiums from £5 a month, guaranteed never to rise.
    • Cover up to £500,000.
    • Choose from 10 to 40 years of cover (must end by your 70th birthday)
    • Apply in minutes with an instant decision
    Find out more
    Get a quote

  • SunLife Home Insurance makes protecting your home and valuables more straightforward. What you choose to protect and the cover amount is up to you, so you only pay for what you need.

    • Choose the cover you want - contents, buildings insurance or both
    • Only pay for the cover you need - you decide what you want to protect
    • Build your policy - to suit your needs and your pocket
    • Pay how you want - monthly or annually
    • Get a quote - call the friendly team here in the UK


    Learn more
    Get a quote

  • SunLife Pet Insurance could be a straightforward way to help get your four-legged friend back to tip-top health if they get ill or have an accident.

    • Four levels of cover to suit your pet and your budget
    • Pay monthly at no extra cost
    • Hassle-free claims process
    • Vets' fees paid directly - subject to availability
    Learn more
    Get a quote

  • A Stocks and Shares ISA is a tax-efficient way to invest for the future. We've teamed up with Scottish Friendly to bring you My Smarter (ISA) and make investing more affordable than you might think.

    • A tax efficient way to help your money grow over the long term
    • Start investing from just £10 per month or with a lump sum of £100 or more
    • You control how you pay - stop, start or change your payments with no penalties
    • The value of your Stocks and Shares ISA can go down as well as up, and you could get back less than you paid in.
    • Guaranteed to get back at least what you’ve paid in after 10 years – provided you’ve made no withdrawals
    Learn more
    Open an ISA

  • A funeral plan can help you to plan and pay for your funeral in advance, giving your loved ones less to worry about. You can choose to pay in one go with a single payment or, if you prefer, monthly with life insurance.

    • A funeral plan is quick and easy to arrange
    • You can choose from three different funeral plans
    • There are two different ways to pay - find an option to suit your budget
    • Help protect your loved ones from rising funeral prices
    Learn more
    Get a quote

  • Making a Will can help make sure the right people get the right things and that your wishes are followed when you die. It could make all the difference to your loved ones.



    • It's quick, easy and affordable
    • You're in safe hands as we've teamed up with Hugh James solicitors, a top UK law firm with over 550 employees and more than 50 years' experience
    • Hugh James's specialist Will writers will guide you through the whole process and explain things simply and clearly
    Learn more

  • Open a My Smarter (ISA)

    Are you ready to invest?

    The My Smarter (ISA) could be for you if:

    • You are aged 18 or over and are a UK resident for tax purposes.
    • You are looking to invest for the medium to long term. This means at least 5 years and ideally 10 or more.
    • You do not intend to invest in another stocks and shares ISA for the tax year 2015/16.
    • You are comfortable that the value of your My Smarter (ISA) can go down as well as up, and that you could get back less than you paid in.
    • You accept Scottish Friendly's charge to manage the With-Profits fund, which is currently 1.5% deducted from the value of your ISA each year.

    Important documents to read:

    Before applying for your My Smarter (ISA), please download and read these important documents.

    Apply for My Smarter (ISA) now

    You'll now be taken to Scottish Friendly's application form.

    Any questions? Call free on 0800 904 7611. Monday to Friday: 8.30am-5.30pm

    Welcome gift terms and conditions

    If you open a My Smarter (ISA) you are entitled to one gift only issued from SunLife. We reserve the right to change or withdraw this gift entitlement, or limit the total number of gifts issued per customer. We also reserve the right to not issue a gift to any customer who has previously held a SunLife product and has subsequently cancelled that product.

    What your money is invested in

    • Your money is invested in Scottish Friendly's With-Profits fund.
    • This fund is cautiously managed which means it aims to provide steady growth whilst reducing the risk to your money.
    • Your money is spread across a range of different investments - like shares, property, bonds and cash - making sure all your eggs aren't in one basket.

    How the With-Profits fund spread its investments on 31/12/2015:

    savings-fund-pie-chart-sun-life

    How the With-Profits Fund works

    • The fund aims to smooth some of the short term highs and lows of these investments over time, so you see a steadier return year on year.
    • Scottish Friendly aim to increase the value of your ISA, based on the performance of the investments within the fund.
    • They also aim to ensure your total return reflects how the With-Profits fund has performed during the entire time you were invested in it.
    If the With-Profits fund has performed wellIf the With-Profits fund has not performed wellWhen the safety net applies
    Scottish Friendly could add an additional final bonus when you take your money out.Scottish Friendly could apply a Market Value Reduction (MVR), which will reduce the value of your ISA when you take your money out and can mean you could get back less than you have paid in.If you choose to cash in your ISA, on the 10 year anniversary of your start date and every 5 year anniversary after that, you're guaranteed to get back at least all the money you've paid in, as long as you haven't already made any withdrawals.  
    You can check the value of your ISA at any time on My Plans including the current final bonus or MVR that would be applied if you make a withdrawal, and the dates on which the safety net will apply.

    For more details on how the With-Profits fund works see the 'How Scottish Friendly invest your money' guide and key features document.

     

     

    The built-in safety net explained

    What makes My Smarter (ISA) different

    Unlike most other Stocks and Shares ISAs, My Smarter (ISA) has a built in safety net. On specific dates, the money you've paid in so far will be protected from loss, as long as you haven't already made any withdrawals.

    Exactly when the safety net will apply

    The safety net will apply on the 10 year anniversary of your policy's start date and on every 5 year anniversary after that.

    Only on these specific dates, Scottish Friendly guarantees that no Market Value Reduction (MVR) will be applied. So as long as you haven't made any withdrawals outside of these dates, you can get back at least what you've paid in.

    If you have made a withdrawal at other times

    If you have taken money out of your Stocks and Shares ISA at any other time, Scottish Friendly still guarantee that no Market Value Reduction (MVR) will be applied to the value of your ISA on the dates specified.

    However, because you have already taken money out, you can no longer be guaranteed to get back at least what you have paid in.

    Remember the effect of inflation

    Over the years your money is invested, inflation will reduce how much you can buy with the money you get out.

    Anniversary reminder

    Scottish Friendly's guarantee only applies on specific policy anniversaries. To make sure you don't miss out, you'll receive a reminder when an eligible anniversary is approaching.

  • Why choose SunLife?

    We believe that everyone in the UK should have access to straightforward and affordable financial products. We hate jargon, so we're cutting through the financial clutter with products that are easy to understand and apply for. We don't give advice but our friendly staff, in our UK call centres are here to support you every step of the way. 

    Our brand has been built on solid foundations. We've been helping people get the most out of life for over 200 years and we're also part of AXA, one of the biggest insurance companies in the world. We've also partnered with some other great organisations so that we can offer more products and more peace of mind, to even more people.

    Life's what you make it - and we're here to help you make the most of it.

  • Make your funeral wishes known

    my perfect send off tool

    Talking about your funeral isn't easy, My Perfect Send Off lets you record your funeral wishes FREE for when the time comes.

  • About who we are

    Watch our video to discover how we’re helping people make the most of their lives

  • 5 star service

    98% of our Guaranteed Over 50 Plan customers stated they are satisfied with the way SunLife handled the whole process from their initial enquiry to setting up their Plan.

    Source: SunLife Continuous Research Program, New Policyholders March 2016, based on a sample of 150 new policyholders.

  • ^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 31st December 2015.

    †£3.90 is the lowest premium on the market for this type of product as at 11th July 2016.

     

  • Home Insurance

    Call free on 0800 804 4964 to get your personal home insurance quote in minutes

     

    Lines are open Monday-Friday 9am to 6pm and Saturday 9am to 1pm

    One Insurance Solution is a trading style of Brightside Insurance Services Ltd. They arrange and administer SunLife Home Insurance cover by offering you competitively priced quotes from a carefully selected panel of top UK insurers.