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  • Be ready for anything with life insurance

    None of us has a crystal ball to see the future so life’s full of surprises. But there are ways to be prepared for whatever life might throw at you. And one way is having life cover.

    You probably insure your home or car without thinking because it’s important to keep these things running smoothly. Life insurance protects something much more valuable – you. Of course, an insurance payout could never replace you but, for your family, it could take some of the financial sting out of losing you.

    Types of life insurance

    How life insurance can help

    We know death isn’t easy to think about but it can’t really be ignored. Insuring your life is a simple way to look out for the people you love and getting it sorted can help you relax and enjoy life right now.

    Still not sure? Take a moment to think how your family would get by if you died tomorrow. Could they find enough money to keep up the mortgage? Pay for your funeral, pay off debts or just the usual household bills?

    The payout from a life insurance policy could leave just enough to remember you by or help towards your funeral. Or it could be enough to replace your income and help your family keep up the lifestyle they enjoy now.

    There are different types of life insurance available. Which is right for you will depend on your personal situation and what can you afford.

    1400+

    people die every day

    Only 1 in 4

    UK households has life insurance **

    £4,078

    Average UK funeral costs °

    Types of life insurance we offer

    We offer straightforward and affordable no-medical life cover to suit the stage you’re at in life and your budget:

    a woman walking along a cliff looking out to sea

    Life insurance for the over 50s

    Over 50s Life Insurance

    • A simple way to leave some money or help your loved ones with funeral costs
    • If you’re aged 50-85 you won’t be turned down
    • Full payout guaranteed as long as you’ve paid in for at least two years
    • Hurry for a bigger £100 gift card*
    Get a free Over 50s Life Insurance quote
    a parent playing football on the beach with their son

    Term life insurance with the option to add critical illness cover

    Family Life Insurance

    • A simple way to protect the people who depend on you financially if you die while you’re covered
    • Cover up to £500,000 and terms from 10-40 years
    • Apply in minutes and get an instant decision
    Get a free life insurance quote

    Make your funeral wishes known

    Record your funeral wishes ready for when the time comes - it’s simple and it’s FREE.

    Start planning

    How much does a funeral cost?

    Find out the average funeral cost in your area fast, using our funeral calculator.

    Funeral Cost Calculator
  • The smallest print

    *Available to new customers only, applying by phone or online between 1 September and 30 November 2017. Applications made by post will receive a £75 gift card

    Office of National Statistics - Based on 529,955 deaths registered in England and Wales 2015

    ** Association of British Insurers – September 2015

    ° SunLife Total Cost of Dying Report 2017

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

AXA Wealth Ltd trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427). 

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group – www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.