• UK's most affordable plan of its type

    Guaranteed Over 50 Plan

    • The UK's most popular choice^
    • Guaranteed acceptance - no medical or health questions
    • Premiums from under £4 a month and first month free
    Apply now
  • Over 50 Life Insurance

    Our Guaranteed Over 50 Plan is the UK's number one choice for Over 50 Life Insurance^. From as little as £3.90 a month, it's a simple and affordable way to leave your loved ones a cash sum, either as a gift or to pay towards a funeral.

  • Why choose the Guaranteed Over 50 Plan?

    • Provides a fixed cash sum, paid on death, after the first two years
    • If you're a UK-resident aged 50-85, we guarantee to accept you with no medical
    • Provides life-long cover as long as you pay your premiums when due
    Feefo Gold Trusred Merchant - 5 Stars

    The Guaranteed Over 50 Plan is an Over 50s Life Insurance policy that guarantees to pay out when you die, after the first two years. It is also known as whole of life insurance. All we ask is that you keep paying your premiums when due or your plan will end and you'll get nothing back.

  • Why choose SunLife for Over 50 Life Insurance?

    • Premiums start at just £3.90 a month - the lowest you'll find in the market
    • If you're aged 50 - 80, for the same cash sum, choose our Premium Cap Option - pay a higher monthly premium for a fixed term rather than paying for life
    • We pay 9 out of 10 claims within 3 working days* making sure your cash sum is available to pay towards your funeral and giving your loved ones the money when they need it most
  • How does it work?

    If you’re aged 50-85 and a UK resident, we guarantee to accept you with no health questions – we won’t even ask if you smoke.

    You choose a fixed monthly premium when you take out the plan and, provided you keep paying it when due, a fixed cash sum will be paid out when you die, after the plan has been in force for two years. If you die during the first two years, we'll pay out all the premiums you've paid, plus half as much again (unless you die as the result of an accident in which case we'll pay the full cash sum).

    You need to be sure you're comfortable with the premium you choose as if you stop paying, your plan will end and you won't get anything back. You should also be aware that depending on how long you live, you could pay more than the cash sum paid out.

    The SunLife Guaranteed Over 50 Plan is provided by AXA Wealth Ltd.

    Find out more about how our over 50 life cover works

  • How much does it cost?

    Leaving a cash sum for your family can cost less than you think. Premiums start from just £3.90 a month - which is the UK's lowest premium for plans of this type . What's more, the first month's premium is FREE. One thing you can be sure of - we promise never to increase your premiums or reduce your cover, although as the cash sum is fixed, inflation will reduce its value over time.

  • over-50-life-insurance-portal-fbo-sun-life

    Get £300 toward your funeral costs

    If you're buying this plan to pay towards your funeral costs, add our FREE Funeral Benefit Option to your plan and get a £300 contribution towards the final cost of your funeral.

    Find out more about Funeral Benefit Option

  • Premium Cap Option

    If you're aged 50 - 80, rather than paying premiums every month for life, you can choose a higher monthly premium that stops after a certain number of years, or until death if earlier - we call it Premium Cap Option. You'll still be covered for life and your cash sum will be the same.

    Customise your quote when applying to choose this option.

  • over 50 life insurance choice of welcome gift cards

    Choose your welcome gift card of £75

    If you decide this plan is right for you, we'll send you a £75 gift card of your choice once you've taken the plan out. You choose how to spend it.

    See the gift cards

  • Get a quote for Over 50s Life Insurance

  • We can't give you advice about whether this plan is right for you, so before you take one out, you should make sure you read our terms and conditions, which has all the information you need about the plan and its risks and benefits.

    *Upon receipt of required documents.

  • Make your wishes known

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

  • Top FAQs on our Over 50s Life Cover

    How do you make a claim?
    Making a claim is a simple, reliable process. Our staff will do everything they can to make claims go as smoothly as possible. When the time comes, all your loved ones will need to do is simply call us or write to us and we will help them with the rest. There are more details about how to make a claim here.
    What is inflation and how will it affect my cash sum?

    Ever noticed how your money doesn't go as far as it used to? That's probably down to inflation. Inflation is where prices of goods and services increase over time. For example, In 1980 you could buy nearly three loaves of bread for £1, but today you can only buy one*. When thinking about choosing a cover amount, you should think about how much prices (especially funeral prices) may increase over time and whether the fixed cash sum you choose today will be able to cover the things you would like it to, in the future.

    *Source: National Statistics website: www.ons.gov.uk

    Can I cancel the plan?
    You have 30 days from the day you receive your policy documents during which you can cancel your Plan and have any premiums paid refunded in full. After that, you can cancel your Plan at any time by writing to us. Remember, if you do cancel, your life cover will end and you wouldn't get anything back. As long as you continue to pay your monthly premiums, your Plan can’t be cancelled by us for any reason.

    For more information see our FAQs

  • Our service promise

    When it comes to looking after our customers, you don't need to take our word for it. We're the UK's No.1 choice for Over 50 Life Insurance^. There are over 880,000 policyholders and 94% of new customers would recommend us.

    Our friendly UK-based team are on hand if you need anything and since starting the Guaranteed Over 50 Plan, we've paid out over £613 million in claims. Plus we make claiming as simple as possible - once all the paperwork has been received, we pay 9 out of 10 claims out in 3 working days.

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    How much does a funeral cost?

    widget-most-expensive-place-to-die

    Average funeral costs in the UK are now £3,693 but these can vary by region. Find out where in the country is now home to the highest funeral costs.

  • Game of Funerals

    Only 1% of us know exactly what a loved one wants for their funeral. Here's the proof!

  • Funeral calculator icon

    Try our FREE funeral costs calculator

    Over 50 life insurance - funeral calculator

    Use our quick interactive tool to find out the average funeral cost in your area

  • This website contains information on how the Guaranteed Over 50 Plan works. As the website does not contain advice, you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit www.unbiased.co.uk to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call us on 0800 904 7674.

    ^ Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 30 December 2015.

    £3.90 is the lowest premium on the market for this type of product as at 13 June 2016.

    As at 25 February 2016.

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

  • Get a quote for Over 50s Life Insurance

  • Frequently asked questions

    • Why should I consider a Guaranteed Over 50 Plan?

      The Guaranteed Over 50 Plan is a simple way to leave a fixed cash sum for your family after you’ve gone, either as a gift or to help towards funeral expenses.

    • How does it work?

      The Guaranteed Over 50 Plan is a whole of life policy - you choose a fixed monthly premium at the start and provided you keep paying them throughout your life, a fixed cash sum will be paid out when you die, after the Plan has been in force for two years.

    • Do I need a medical?

      No. There are no health questions to answer and no medical whatsoever. Provided you’re aged 50 - 85 and a UK resident, you’re guaranteed to be accepted.

    • How much will it cost me?

      You can choose from a range of premiums between £3.90 and £74 per month (as long as the amount of life cover does not exceed £25,000) and to help get your Plan underway, the first premium is free.

      As this is a whole of life plan, you need to choose a monthly premium you are confident you'll always be able to pay because premiums are payable for life.

      Or, if you’d prefer the reassurance of knowing exactly when you stop paying, if you’re between 50 and 80, you choose our Premium Cap Option. You pay a higher premium each month, for a set number of years but you'll still be covered for life and your cash sum will be the same.

      You should remember that with both options, you need to pay your premiums when due, as if you stop paying, your plan will be cancelled and you won't get anything back. You should also be aware that depending on how long you live, you could pay in more than the cash sum paid out.

    • What is Premium Cap Option?

      If you’re between 50 and 80, you can choose to stop paying your premiums after a set number of years, based on your age when taking out the plan.

      You pay a higher premium each month for this option, but you’ll have the reassurance of knowing exactly when you’ll stop paying and you'll still be covered for life.

      The length of time you pay is based on your age when you take out the plan, so if you’re 50 when you arrange a plan, your fixed monthly premium would need to be paid for 26 years. If you’re 60, you’ll need to pay for 19 years – until you’re 79. When you choose Premium Cap Option, you’ll be told how many years you’ll pay your premiums for and the commitment you need to make.

      Of course, whenever you die, so long as it's after the first two years, your premiums will stop and the full cash sum would be paid out.

    • What is inflation and how will it affect my cash sum?

      Ever noticed how your money doesn't go as far as it used to? That's probably down to inflation. Inflation is where prices of goods and services increase over time. For example, In 1980 you could buy nearly three loaves of bread for £1, but today you can only buy one*. When thinking about choosing a cover amount, you should think about how much prices (especially funeral prices) may increase over time and whether the fixed cash sum you choose today will be able to cover the things you would like it to, in the future.

      *Source: National Statistics website: www.ons.gov.uk

    • Can I cancel the Plan?

      You have 30 days from the day you receive your policy documents during which you can cancel your Plan and have any premiums paid refunded in full. After that, you can cancel your Plan at any time by writing to us. Remember, if you do cancel, your life cover will end and you wouldn't get anything back. As long as you continue to pay your monthly premiums, your Plan can’t be cancelled by us for any reason.

    • How do you make a claim?

      Making a claim is a simple, reliable process. Our staff will do everything they can to make claims go as smoothly as possible. When the time comes, all your loved ones will need to do is simply call us or write to us and we will help them with the rest. There are more details about how to make a claim here.

    • What is Funeral Benefit Option?

      If you are planning to use the cash sum from your Guaranteed Over 50 Plan to pay towards your funeral, you could add our FREE Funeral Benefit Option to your Plan. The cash sum from your Guaranteed Over 50 Plan will be paid directly to Dignity Funerals Limited who will use it to help pay for your funeral. It doesn’t cost you anything extra to add Funeral Benefit Option to your Guaranteed Over 50 Plan, but you do need to make sure you keep paying the premiums for your Plan. What's more, Dignity Funerals will also make a £300 Contribution towards the final cost of your funeral, helping your loved ones even more. You can only take out Funeral Benefit Option if you haven’t done so already. This includes any over 50s life cover you may have with another provider. Also, if you already have a pre-paid funeral plan you can’t take up this offer and if you were to take out a funeral plan in the future, your Funeral Benefit Option would be cancelled.

    • Who is Dignity Funerals Limited?

      If you add the FREE Funeral Benefit Option to your Plan, the funeral services will be provided by Dignity Funerals Limited. For generations, Dignity have been serving local communities and today own more than 750 Funeral Directors across the UK. Dignity is a British company and a member of the National Association of Funeral Directors.

    Terms and conditions

    Terms and conditions for the Guaranteed Over 50 Plan

    Before you decide if the Guaranteed Over 50 Plan is right for you, it's very important you:

    1. Read and understand these terms and conditions including policy summary
    2. Make sure you are eligible for the Plan
    3. Make sure you know what is and isn't covered by the Plan
    4. Keep these terms and conditions including policy summary to refer to in the future
    5. Check these terms and conditions including policy summary from time to time to make sure the Plan is still suitable for you 

    Terms and Conditions of the Guaranteed Over 50 Plan

    Please remember, the information we've given you doesn't contain advice regarding whether the Guaranteed Over 50 Plan, or Funeral Benefit Option are right for you.

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