• Why choose SunLife for Over 50 Life Insurance

    UK's most popular for Over 50s life cover icon

    The Guaranteed Over 50 Plan is the UK’s most popular choice for Over 50s Life Insurance^

    Most affordable Over 50s life cover icon

    Our plan offers you the most affordable life cover of its type*

    Customer claims icon

    We pay 9 out of 10^^ claims within 3 working days so your loved ones have money when they need it most

    Free gift icon

    Choose a free gift of your choice which you'll get once you've paid your third premium See the free gifts

    What is the Guaranteed Over 50 Plan?

    • An Over 50s Life Insurance policy also known as whole of life insurance
    • Offers fixed premiums starting from just £3.90 a month - the lowest in the market *
    • Provides life-long cover as long as you pay your premiums when due
    • Your first month's premium is free
    • Two ways to pay: for life or Premium Cap Option

    Important information

    • If you’re aged 50-85 and a UK resident, we guarantee to accept you with no health questions
    • The monthly premiums are fixed and will not go up
    • If you die in first 2 years, we'll pay out all premiums paid plus half as much again - unless you die as the result of an accident where we'll pay the full cash sum
    • Provides a fixed cash sum, paid on death after the policy is in place for 2 years
    • You must keep paying premiums when due or your plan will end and you'll get nothing back
    • Depending on how long you live you could pay in more than the cash sum paid out
    • 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

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

    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.

    Over 50 Life Cover explained

    More about the Guaranteed Over 50 Plan

    Get £300 toward your funeral costs

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

    Cap your premiums

    Premium cap option iconIf 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.

    SunLife service promise

    Over 880,000 policyholders

    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^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 £630 million in claims.

    Read customer reviews

    Feefo gold trusted merchant 2017

    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 31 December 2016.

    *We offer the lowest monthly premium on the market for this type of product as at 20 October 2016.

    SunLife Continuous Research Programme, December 2016, based on a sample of 150 new policyholders.

    ^^Upon receipt of required documents.

    Get a quote for Over 50s Life Insurance

  • 2922 Independent reviews from real customers

    Service Rating
    Read our reviews

    Additional policy. Easy to add extra cover

    - Mrs Smith 14 hours ago

    it was quick and easy

    - Anonymous 15 hours ago

    Very helpful

    - Mrs Brodie 21 hours ago

    Hassle free with no phone calls

    - Miss Whittaker 1 day ago
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