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  • Life insurance

    Cheaper than you think?

    Get your free Family Life Insurance quote

    Why life insurance makes so much sense

    Quick quote

    You can tell us everything we need to know in less than 60 seconds and get your quote straight away

    Instant decision

    Clear and straightforward life cover. You’ll get a decision straight away, so you could be covered in minutes

    Affordable premiums

    Reassurance could cost a lot less than you think – premiums start from just £5 a month

    Free Amazon gift card

    Worth £20 when you take out Family Life Insurance

    a parent playing football on the beach with their son

    What is Family Life Insurance?

    • Straightforward life cover for anyone aged 18–59
    • Protect your loved ones with up to £500,000* of cover
    • Apply in minutes with an instant decision
    • You can take out single or joint life cover^
    • Adding Critical Illness Cover to your plan gives you 25% of your life cover early if you’re diagnosed with one of the specified critical illnesses
    • Family Life Insurance is provided by Scottish Friendly
    • A cash sum if you die during your policy term
    • The cash sum is fixed, so inflation will reduce its value over time
    • Plans can run from 10–40 years, but cover must end by your 70th birthday
    • If you stop paying your premiums, we’ll have to cancel your plan (which we really don’t want to do)

    Every day, 3,613 people like you provide for their loved ones by getting life insurance**

    Life insurance explained

    Everything you need to know about life insurance — from how it works to how much cover you can get for your money.

    Not sure how much life cover you need and what it will cost? Take a look at our short video.

    Video transcript
    How much does life insurance cost?

    Well possibly not as much as you may think! Typically, when thinking about life insurance, you work out how much money you may need to cover things like your mortgage, your bills, childcare for a certain number of years and the smaller things like food and petrol. You could then get a quote to see how much the monthly payments would be. If you’re on a tighter budget and know you need life insurance you could choose how much you could afford to pay each month, and see how much you’d get in return.

    To apply for our family life insurance, you’ll need be aged 18 to 59 and would need to answer some health and lifestyle questions.

    Let’s meet Mark and Anna.

    Mark is 35 years old, doesn’t smoke and is in good health. He wants to leave about £250,000 to cover his mortgage and enable his family to carry on living as they are now. He’d like this cover over a 20 year term. To leave this amount of money he needs to pay about £15 a month. Mark also worries about getting ill and being able to meet his financial commitments, so he could add critical illness to his life insurance by paying around £11 each month. Critical Illness would mean that if he was diagnosed with a serious illness covered by the policy, 25% of the money would be paid out early. The balance would then be paid out if he later died within the term.

    Anna is 38 years old and on a pretty tight budget. Anna is in good health and doesn’t smoke, she wants to pay an amount each month that’s comfortable for her and with premiums that remain fixed throughout the term. This is Guaranteed with our insurance! So she decides she’d like to pay around £10 per month for 10 years. This would give Anna just over £130,000 of cover if she died during the term.

    So, as you can see, life insurance could be more affordable than you may have thought!

    Get a quote today for your Family Life Insurance.

    That’s another thing we’ve made straightfordable.

    Video not for you? Read our article on life insurance costs

    Watch our short video and see how Family Life Insurance works for our customers.

    Video transcript
    How does Life Insurance work?

    There are some things in life we can’t control. But life insurance could ensure your loved ones are left financially taken care of if you died unexpectedly.

    Life insurance works by paying out a lump sum of money if you die. Your loved ones could use this money to carry on living as they do now, paying things like the mortgage and everyday bills. Or even the weekly shop or it could simply enable your children to carry on having their ballet lessons or football training.

    Meet Matt. Matt’s wife Karen died when their children were 1 and 5. Karen did everything for the house and took care of the children whilst Matt was hard at work. Unfortunately Karen didn’t have life insurance and Matt struggled to cover the cost of childcare and the lifestyle they had; so he has had to change his working hours and cut back on life’s little luxuries like family holidays and days out for the kids. These changes, on top of losing Mum, have been really impactful. If Karen had life insurance to cover things like childcare, kids clubs and small luxuries… things would have been easier.

    It’s up to you how long you’d like cover for. Perhaps when your mortgage ends or when your children no longer rely on you for financial support. For your life insurance, you’ll pay a monthly payment. This premium will depend on the amount of cover you’d like, your age, health and lifestyle and how long you’d like the cover for. This is known as the ‘term’. Life insurance could often be more affordable than you think.

    Video not for you? Read our article on how life insurance works

    Critical Illness Cover

    Critical Illness Cover pays out 25% of your life cover early if you're diagnosed with a specified cancer or suffer a heart attack or stroke during your policy term. Read the Key Features and Terms and Conditions to find out more.

    Find out more about Critical Illness Cover

    How much life cover is best for me?

    Get a feel for how much cover you might need with our life insurance calculator and see how what you spend today could affect you tomorrow.

    Try our life insurance calculator
    Is this plan right for me?

    If you’re aged 18-59, and looking for straightforward life insurance that leaves your loved ones a cash sum if you die during the policy term, Family Life Insurance could be right for you. Just choose how much cover you'd like or the monthly premium you'd like to pay. Then choose how long you'd like your cover to last, from 10 to 40 years (as long as your plan ends before your 70th birthday).

    We can't decide for you though, we can only tell you how our products work, with you in mind. For impartial advice you can visit unbiased.co.uk to find an Independent Financial Adviser in your area. You may be required to pay for any advice that you receive.

    Will I need a medical?
    What is Critical Illness Cover?
    Can I take out Family Life Insurance with my partner?
    When does my life cover start?
    Who are Scottish Friendly?
    What happens if I change my mind?
    What happens when my policy term ends?
    Is my cash sum subject to inheritance tax?

    Terms and conditions

    The information you have been provided does not contain advice regarding whether Family Life Insurance is suitable for you. Therefore, before deciding whether to apply, it's very important that you read and understand the:

    Key Features and Terms and Conditions of Family Life Insurance SunLife Key Facts about our services

    Get a quote for Family Life Insurance

  • The smallest print

    *Depending on age and premium chosen.

    ^Joint Family Life Insurance allows two people to be covered on one life insurance policy. The full cash sum can be paid out once during the term and this is when the first person dies. The policy would then end.

    **Swiss Re Term & Health Watch 2017. Total new Term Life Insurance Sales in 2016.

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.