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The Guaranteed Over 50 Plan lets you leave loved ones a guaranteed cash sum as a gift or towards your funeral.
The Guaranteed Over 50 Plan is the UK’s most popular choice for over 50s life insurance^
Our plan offers you the most affordable life cover of its type†
We pay 9 out of 10* claims within 3 working days so your loved ones have money when they need it most
Choose a £75 gift card of your choice which you'll get once you've paid your first premium
See the gift cards
The SunLife Guaranteed Over 50 Plan is provided by AXA Wealth Ltd
Still have questions about the plan?
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.
Not sure how much life cover you need and what that will cost? Take a look at our short video and examples
Watch our short video which explains how our life insurance for over 50s works
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 £613 million in claims‡.
Talking about your funeral isn't easy,
My Perfect Send Off lets you record your funeral wishes FREE for when the time comes.
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 2015.
† £3.90 is the lowest premium on the market for this type of product as at 25 July 2016.
‡ As at 12 July 2016.
◊ SunLife Continuous Research Programme, New Policyholders March 2016, based on a sample of 150 new policyholders.
Frequently asked questions
Terms and conditions
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.
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.
See more details on how to make a claim.
Before you decide if the Guaranteed Over 50 Plan is right for you, it's very important you:
Terms and Conditions of the Guaranteed Over 50 Plan (PDF 104KB opens in new window)
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.
Please print and/or save these documents and keep them for future reference. If you do not have access to Adobe Reader, you can
download the software.
Please note that the Adobe website is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and, as it is not operated by AXA Wealth Services Ltd, we cannot be liable for Adobe contents.
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 5 Old Broad Street, London EC2N 1AD (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).
AXA Wealth Services Ltd distributes financial products and services and trades as SunLife. AXA Wealth Services Ltd is a company limited by shares and the registered office is at 5 Old Broad Street, London EC2N 1AD (registered in England, no. 02238458). AXA Wealth Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 465753).
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 The Co-operative Funeralcare which is not 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.
The Co-operative Funeralcare is a trading name of Funeral Services Limited (registered number 30808R), a registered society under the Co-operative and Community Benefit Societies Act 2014 incorporated in England and Wales, whose registered office is 1 Angel Square, Manchester, M60 0AG. Vat registered 403 3146 04. Part of The Co-operative Group.
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.