Tick peace of mind off your list with over-50s life cover
One plan. Three Guarantees.
Get a free quoteTrusted by families for over 200 years, and still the nation's favourite over 50s whole of life cover today
Why choose SunLife's Guaranteed Over 50 Plan?
What you could get with your plan
Important to know
- You're only fully covered after you've had the plan for one year.
- Premiums are payable for your lifetime or until the policy anniversary after your 95th birthday. Your cover continues for life. If you stop paying premiums earlier, your insurance will end and you won't get anything back.
- Depending on how long you live, you could pay more in premiums than the cash sum paid out.
- Because the cash sum is fixed, inflation will reduce its buying power over time.
- Over 50s Insurance Plans do not guarantee to meet the full cost of a funeral.
- Terms and Conditions apply.
Our Guaranteed Over 50 Plan is 5 Star rated by Defaqto
Defaqto is one of the UK's most trusted sources of financial product and market intelligence
Your welcome gift card
Start your new Guaranteed Over 50 Plan and you'll get our biggest £140 gift card. It'll be yours to spend in all your favourite shops like M&S, Argos and Boots. Gift cards are sent within 30 days after 6 monthly payments. Offer ends 30th June 2026. T&Cs apply
“Easy to insure yourself, just got this in place to help towards funeral costs.”
Jonathan, December 2025
Answers to your questions
Health and Wellbeing Service
At SunLife, we want to bring you and your loved ones peace of mind – especially when it comes to your health and wellbeing.
That's why we give you – and your partner and any children living with you – immediate and unlimited access to a free Health and Wellbeing Service. This is provided by our partner RedArc, and is available to you as soon as you buy a SunLife Guaranteed Over 50 Plan.
This service gives you regular, one-to-one support from the same experienced, registered Personal Nurse – by phone or by email. All you need to do is get in touch with them directly whenever you need it.
How much cover do I need?
How much life cover you need when you're over 50 depends on what you want the payout to be used for. The most commonly chosen payout for SunLife's Guaranteed Over 50 Plan is £5,000, which could be used towards funeral costs or to leave a lump sum for loved ones. In the UK, a simple attended funeral costs around £3,800 on average, though prices vary by over £1,000 across the country, and extra expenses are common.
You can find out more about burial and cremation costs where you live in our Cost of Dying report.
Sources and information
- UK’s no.1/Nation's favourite/Most popular/Most trusted/UK's favourite – source: Swiss Re Term and Health Watch Report 2025.
- Gift card – biggest in relation to value of standard gift card offered. Sent within 30 days after 6 monthly payments. Offer ends 30th June 2026. Go to sunlife.co.uk/gift for T&Cs.
- Guaranteed Acceptance – is for UK residents aged 49–85.
- Fast payout – 98% of claims are paid within 3 working days of receiving the necessary paperwork.
- Funeral cost – is national average and weighted by national percentage of burials and cremations. Simple funeral with service includes collection and care of deceased, pre-paying disbursements, hearse, wood-effect coffin, and fees for burial/cremation. SunLife Cost of Dying report.
- SunLife is highly rated for customer experience on Feefo and Trustpilot.
- Testimonials – are from genuine customers, via Trustpilot and Feefo.
- Guaranteed Over 50 Plan details (including 100% claims paid) – Full T&Cs apply(PDF downloads)
- £4 premium – availability depends on your age and smoker status.
- RedArc – is a support service that isn't regulated by the Financial Conduct Authority. These services aren't part of the terms and conditions of your SunLife Guaranteed Over 50 Plan and may be amended or withdrawn at any time.
For additional verifications please visit the verify page.
Legal and regulatory information
Not all products are available outside of mainland UK, please call us to discuss if you have any queries.
This website contains information on how the SunLife Guaranteed Over 50 Plan works. This website does not contain advice, so you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit unbiased.co.uk(website opens in a new tab) 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 our UK team on 0800 904 7674.
Who are SunLife and who provides the SunLife Guaranteed Over 50 Plans?
SunLife Limited distributes financial products and services. Registered office: 10 Brindleyplace, Birmingham, B1 2JB, United Kingdom. Registered in England and Wales, number 05460862. SunLife Limited is authorised and regulated by the Financial Conduct Authority(www.fca.org.uk opens in a new tab) and is entered on the Financial Services Register (reference number: 769427).
Phoenix Life Limited trades as SunLife and is the provider of the SunLife Guaranteed Over 50 Plan life insurance policies. Phoenix Life Limited’s registered office is at 10 Brindleyplace, Birmingham, B1 2JB, United Kingdom. Registered in England and Wales, number 1016269. Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number: 110418).