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SunLife Over 50’s plan reviews

The SunLife Guaranteed Over 50 Plan is the UK’s most popular over 50s life insurance, with over 722,000 policyholders1. With 97% of new customers saying they would recommend our plan, we are proud to share thousands of our real customer reviews2.

Real customer reviews

At SunLife we love hearing what our customers have to say after they’ve taken out an over 50 plan with us.

And as a feefo Gold Trusted Service partner for the third year running, we’re proud to clearly share our real customer reviews.

Based on thousands of reviews over the past year, our customers have given us 4.8 stars for our service. But don’t just take our word for it, check out our reviews.

Why do customers choose SunLife?

With over 722,000 customers and thousands of reviews, you’re probably wondering why so many people choose SunLife’s over 50 plan. What makes the SunLife plan stand out?

To give you an idea, here are five good reasons:

1. Trusted – more people trust us with their over 50s plan than any other provider3.

2. Affordable – our customers choose us because they want an affordable way to leave some money behind for their loved ones. The Guaranteed Over 50 plan is the most affordable over 50 plan4.

3. Easy applicationapplying online is easy, with no medical questions and guaranteed acceptance. We give customers the information they need to decide if the SunLife plan is right for them.

4. Fixed monthly cost – we will never increase your agreed monthly premium. Choose an amount you are comfortable with and that’s all you need to pay each month until you die to guarantee your cover. Or if you want to stop paying your premiums earlier, you can choose our Premium Cap Option.

5. Guaranteed pay out – we promise to give your family the agreed pay out when you die, to help cover your funeral costs or as a gift to remember you by (if you’ve paid your monthly premiums and had your plan for a year).

Hear from our customers

From listening to individual needs to giving straightforward information, we spoke to a few of our customers to see what they had to say after buying a SunLife plan.

Video transcript
What our customers think about us

So let’s hear from a few of them…

Customer 1 - I contacted SunLife and they offered me exactly what I wanted.

Customer 2 - When that advert came on the iPad I thought I’m going to do it.

Customer 3 - It has given me peace of mind.

Customer 4 - It’s giving your loved ones the best.

Customer 5 - Everything was laid out.

Customer 1 - What they told us was to the point.

Customer 3 - It was a product that I needed.

Customer 6 - They talk to you as a person.

Customer 7 - They just listened to me as an individual.

Customer 8 - It was very, very straight forward.

Customer 3 - That’s what I want, especially at my age I want simplicity.

Customer 9 - SunLife were very easy to deal with

Customer 7 - It was just totally you know, easy-peasy.

Customer 1 - I don’t have to worry it.

Customer 5 - The only question I had was ‘where do I sign?’

Customer 10 - I’d recommend SunLife to everybody that I come across.

Customer 5 - I would recommend SunLife to anybody.

Customer 3 - You don’t get well known by not having good products.

Customer 1 - As far as I’m concerned SunLife gives you the right answers that’s all you need to know.

Customer 5 - I believe even if we were royalty we wouldn’t have been treated any differently.

SunLife’s heritage

When asked why they chose our over 50s insurance, many of our customers say they trust SunLife because of our heritage. SunLife’s roots go back more than 200 years and in 1900, we were the first ever company to offer life insurance without a medical.

Still offering no medical insurance today, we believe we’ve become a household name for over 50s. And if you watch daytime TV, you’ll have probably have heard about The Guaranteed Over 50 Plan.

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Important things to consider

  • Your fixed cash sum is paid when you die, as long as you’ve had your plan for a year
  • If you stop paying your premiums, your insurance will end and you won’t get anything back
  • Depending on how long you live, you could pay in more than what is paid out
  • Inflations will reduce the value of your pay out in years to come
The smallest print

1. There are 722,030 policyholders. Source: as at 7 January 2019

2. Source - SunLife Continuous Research Programme, New Policyholders October–December 2018, based on a sample of 1,204 new policyholders

3. More people trust us with their over 50s life cover than any other provider. SunLife has 57.8% market share of all whole of life guaranteed acceptance plans bought directly. Source: ABI statistics issued in November 2018 for 12 month period to 30 September 2018 based on new Phoenix Life policy sales trading as SunLife.

4. SunLife offers the lowest monthly premium option of £3.70, making it the most affordable way to take out over 50s life cover.

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?

Phoenix Life Limited 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. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). 

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).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan, Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

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 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.