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The UK's most trusted over 50s life insurance^

The most affordable over 50 life insurance for lifelong peace of mind.

Get a quote in 60 seconds

Over 50s gentleman in a stripey top, wearing glasses and smiling.

Why choose SunLife for over 50s life insurance?

Most trusted

The UK’s choice for over 50s life insurance^

Most affordable

From less than £4 a month††

Guaranteed

Acceptance if you are aged 50-85

Free gift

£75 gift card

a over 50s grandad playing with his grandson and both laughing.

What is the Guaranteed Over 50 Plan?

  • Over 50s life insurance is life-long cover, also known as whole of life insurance
  • A fixed cash sum when you die, after you have had your plan for two years
  • If you die in the first two years, we’ll pay out everything you’ve paid in, plus half as much again
  • And Accidental Death Benefit means we'll pay the full cash sum if you die as the result of an accident, even if you’ve had your plan for less than two years
  • No medical, guaranteed (if you’re aged 50–85 and a UK resident)
  • Fixed premiums from just £3.90 a month — the lowest in the market††
  • Your first month’s premium free
  • Two ways to pay – pay for life or choose the Premium Cap Option
  • You must keep paying premiums when they’re due or your plan will end and you’ll get nothing back
  • The cash sum is fixed, so inflation will reduce its value over time
  • Depending on how long you live you could pay in more than the cash sum paid out
  • The SunLife Guaranteed Over 50 Plan is provided by Phoenix Life Limited

Big cash prize draw logo. The chance to win 10,000 pounds every month.

Every month, one lucky Guaranteed Over 50 Plan customer will win £10,000 in our Big Cash Draw.

To be in with a chance of winning, you can opt-in as part of the application process for a new Plan. Existing policyholders can also enter the Big Cash Draw.

Funeral calculator

Calculate the average cost of a funeral in your area

The average cost of a funeral in your area is:
£ 0*

The Guaranteed Over 50 Plan could help your loved ones with funeral costs when the time comes.


Get an over 50 life insurance quote

*Average of quotes for standard funeral arrangements from a sample of funeral directors. Our funeral cost calculator, has been developed off the back of research we commissioned with Critical Research, a leading independent market research company, in May 2017. Understand the terms used in funeral cost calculator or find out more about how we calculate funeral costs. Please remember that the costs in this calculator are from the research carried out in 2017. The cost of a funeral in the future is likely to be more than this.

Why choose SunLife for over 50s life insurance?

Video transcript
What our customers think about us

SunLife has over 800,000 customers

It’s paid out over £220,000,000 in claims

And for many customers, it’s the most trusted brand there is

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 piece 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.

Why not tailor your plan?

Everyone’s different and we want you to get the life cover that you need. Here are a couple of ways that you can tailor your plan to fit you perfectly.

Get £300 towards your funeral costs

Add the free Funeral Benefit Option and get a £300 contribution towards the cost of your funeral. Perfect if you’re taking out a plan to help cover your funeral costs.

More about the Funeral Benefit Option

Cap your premiums

A higher monthly premium that you stop paying after a certain number of years – you'll still be covered for life and your cash sum will be the same. The Premium Cap Option is available for anyone aged between 50 and 80 years old. For a quote, please call 0800 904 7674. Lines open Monday-Friday 8am-8pm and Saturday-Sunday 9am-5pm

Call for a Premium Cap Option quote

Feefo Gold Trusted Service 2018

Committed to great service for more than 670,000 policyholders

Since starting the Guaranteed Over 50 Plan, we've paid out over £267 million in claims.

Our friendly team in the UK are on hand if you need anything.

We look after our customers – but don’t just take our word for it. We're the UK's No.1 choice for over 50 life insurance^ and 96% of new customers would recommend us.

They are great and even will give me gift voucher for joining

I would recommend I fill the adv thru my door and they get in touch with me
- Mr Dafe 4 hours ago

Guaranteed Over 50 Plan

Well explained and all questions answered
- Mr Gibson 6 hours ago

Guaranteed Over 50 Plan

It’s was easy to get up and running and no hassle
- Mr Gribbin 7 hours ago

Generally happy

One company said they could have offered 7000 for the same money we are paying.
- Anonymous 10 hours ago

We're happy with the cover we have

Since I applied I had a plethora of companies contact me, one said for that money they could have paid over 7000?
- Anonymous 10 hours ago

Easy and affordable.

The advisor was friendly informative and efficient. I was given several option he explained the policy in depth.<br />He was interested in what I wanted and I felt comfortable given my details...Thanks to the advisor I can pay into this life insurance comfortably and once my financial situation picks up I can...
- Miss Mcleod 11 hours ago
Plan your perfect send-off

Make your funeral wishes known and record them for FREE with My Perfect Send-off.

What to do when someone dies

This guide explains what needs to be done, with tips and checklists, to make a difficult time a bit easier.

Exploring over 50s life insurance

If you’re thinking about over 50s life cover, you’ll want to understand how it works and what it means for you and your family. Why not relax and have a read?

Answers to your over 50s life insurance questions

Why is over 50 life insurance important?

None of us want to leave our family and friends worrying about funeral costs and unexpected bills when we’re gone. That’s why SunLife have the Guaranteed Over 50 Plan, to help you leave a cash payout when you’re gone that could mean a lot to the people you care about most. They could use this to help pay for your funeral or any outstanding bills that could arise from end of life care and settling your estate.

What can over 50 life cover be used for?

Over 50 life cover is an affordable way to leave a guaranteed cash payout to your loved ones when you die. They can use this however they wish, and it could help with funeral costs, pay off outstanding debts or bills, buy a treat to remember you or as a gift for your grandchildren.

How much will the Guaranteed Over 50 Plan cost me?

The SunLife Guaranteed Over 50 Plan starts from £3.90 a month – up to a maximum of £74. Depending on how long you live, you could pay in more than we pay out. You can choose any monthly payment you wish, as long as your life cover doesn’t exceed £18,000 across all your Guaranteed Over 50 Plans.

Please see our FAQ on Premium Cap Option for specific details on how stopping your premiums early will affect your monthly payment.

When do I stop paying my monthly payments?

You’ll pay your chosen amount every month for life, so it’s important you choose an amount you can afford. You should also bear in mind that, depending on how long you live, you could pay in more than the cash payout. If you choose the Premium Cap Option then you will pay for the agreed length of time.

Can I change my monthly payments?

No, you can’t increase or decrease your monthly payments. Your payments are fixed, so you always know exactly how much you’ll be paying. It’s important that you pick a monthly payment you can afford – because if you stop paying, your over 50 life cover will be cancelled and you won’t get anything back. 

Do I need a medical for over 50 life insurance?

No, we won’t ask you to take a medical or access your records. And we won’t ask you any questions about your health.

Can I get a Guaranteed Over 50 Plan if I smoke?

Yes, we don’t ask you anything about your health or habits, so you’re guaranteed to be accepted as long as you’re aged 50 - 85.

What are the free gift options?

You get a FREE £75 gift card of your choice as a welcome gift.

What is the FREE £300 Funeral Benefit Option?

If you add the free Funeral Benefit Option to your over 50 life insurance, your family will receive an extra £300 towards your funeral – at no extra cost. So if your Guaranteed Over 50 Plan is to contribute towards funeral costs, this could be a way to lend an extra helping hand.

It’s simple – when you pass away your cash payout will go directly to a Dignity Funeral director of your choice. They’ll help your loved ones make all the arrangements and contribute an extra £300 towards your funeral bill.

Dignity Funerals Ltd have over 800 funeral directors nationwide, so they could be just on your local high street. You can only have one Funeral Benefit Option at any time across all plans with any provider. 

Can I arrange to stop paying my premiums early?

Yes, you can tailor your plan with our Premium Cap Option. This means you’ll pay a slightly higher premium, but your payments will stop at an agreed date rather than on death.

It is available for anyone aged 50-80 via telephone. Please call 0800 904 7674 for a quote.

How do I get a quote or complete an application?

You can complete a paper application form, call us on 0800 904 7674, or you can get a quote in 60 seconds online.

Can I have more than one over 50 plan?

Yes, you can have multiple Guaranteed Over 50 Plans. However, the total of your monthly payments for all your policies can’t be more than £100 a month – and your total life cover cannot exceed £18,000.

Can I have a joint plan?

Unfortunately, we don’t offer joint policies, but your partner can also take out a Guaranteed Over 50 Plan in their name if they wish to.

Can I refer a friend to SunLife?

Yes, we’d love to help your friends and family too. You’ll even get a £100 gift card for referring us.

Does SunLife offer over 60s life insurance?

Anyone aged 50-85 is guaranteed to be accepted for our over 50 life cover.

What’s covered with my plan?

When you take out a SunLife Guaranteed Over 50 Plan, you’re immediately covered. Once you’ve had your plan in place for two years, the full cash sum will be paid out on your death. If you die within the first two years of paying into your plan, we will pay out 150% of the premiums you have paid in.

If you die within the first two years of having your plan, as a result of an accident, your covered by the Accidental Death Benefit and your family will get the full cash payout. This also covers your death from injuries 90 days after your accident. 

Am I covered when I am on holiday abroad?

Yes, your over 50s life insurance covers you when you’re on holiday.

Am I still covered if I move abroad?

Yes, as long as you are a UK resident when you take out your plan you are still covered if you decide to move abroad.

What is the Accidental Death Benefit?

Accidental Death Benefit means that if you die from an accident or as a result of your injuries, within the first two years of taking out your plan, you’re still covered, and we’ll give your loved ones the full payout.

Does the Guaranteed Over 50 Plan cover critical illness?

No, the plan does not cover critical illness as it pays out on death.

What’s not covered with my Plan?

The plan is not protected from the effect of inflation and will not increase over time, so please ensure you allow for this when choosing how much cover you would like.

The maximum monthly premium available is £74 for one plan and if you take out multiple plans you cannot have premiums that total more than £100 a month.

Over 50 life cover is limited to £18,000 across all plans taken out.

What is inflation, and will it affect my plan?

Inflation simply means that prices go up over time. Ever noticed how your money doesn't go as far as it used to? That's probably down to inflation. For example, £1 in 1980 could have bought you nearly three loaves of bread – but today you would be lucky to buy one.*

You should think about whether the fixed cash payout you choose today will cover what you would like it to in the future as inflation could reduce how much it could buy in the future.

*Source: Office of National Statistics

How do I know how much over 50 life cover I have?

Each year we’ll send you a statement with details of all your plans, so you’ll know how much will be paid out when you pass away. This will include all details about any added extras like the £300 Funeral Benefit Option.

Or you can call us on 0800 008 6060 and our friendly UK team will help you.

Can I cancel my over 50 life cover?

You’re free to cancel your Guaranteed Over 50 Plan at any time by writing to us. If you cancel less than 30 days after you receive your policy documents, any monthly payments you’ve made will be fully refunded.

Remember – if you cancel or stop paying your monthly payments, your over 50 life cover will end and you won’t get anything back. It’s important to make sure your comfortable with the monthly cost you commit to.

Can I cash in my over 50 life insurance?

The plan has no cash-in value at any time, so if you cancel your plan you wouldn’t get anything back.

How does my family or someone make a claim?

Making a claim is really simple – and our staff will do everything they can to make sure things run smoothly. When the time comes, your loved ones just need to call us on 0800 008 6060 or write to us and we’ll help them with the rest.

If you would like to make a claim in writing, please address it to PO Box 1395, Peterborough PE2 2TR.

If you’ve chosen the Funeral Benefit Option, they’ll need to contact Dignity Funeral Ltd directly.

Is my plan protected if you’re unable to pay claims?

The Guaranteed Over 50 Plan is provided by Phoenix Life Limited. And we’re a member of the Financial Services Compensation Scheme (FSCS). So, you’re fully protected if we’re unable to pay claims. The FSCS may help you transfer your policy to another insurer or pay compensation. If policies are transferred, then the FSCS will ensure you receive 100% of your benefits under your new policy. If we cannot pay the cash sum due when you die, then your next of kin could claim 100% of the cash sum from the FSCS. For further information visit www.fscs.org.uk.

How do I leave a review of SunLife?

You can leave a review on our Feefo page or by calling us.

Terms and conditions

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 the policy summary
  2. Make sure you’re eligible for the plan
  3. Make sure you know what is and isn't covered by the plan
  4. Keep hold of these terms and conditions, so you can refer to them in the future
  5. Check these terms and conditions (including the policy summary) from time to time to make sure the plan is still right for you

Terms and Conditions for the Guaranteed Over 50 Plan

Please remember, the information we've given you doesn't contain advice about whether the Guaranteed Over 50 Plan or Funeral Benefit Option are right for you. Please print or save these documents and keep them for future reference.

Get a quote for over 50s life insurance

The smallest print

This website contains information on how the Guaranteed Over 50 Plan works. We haven’t given you any advice but you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit unbiased.co.uk to find an Independent Financial Adviser in your area (you may have to pay for the financial advice provided). If you have any questions about the plan, you can call us on 0800 904 7674.

^More people trust us with their over 50s life cover than any other provider. Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics – 12 months up to 31 March 2018.

*£3.90 is the lowest fixed monthly premium available at every age for this type of product, compared with the top 5 most popular providers, as at 24 April 2018.

#As at 25.04.2018.

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). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

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 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 is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

The funeral services are arranged and provided by Dignity Funerals Ltd which is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but 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 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.