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At SunLife, we've been helping families enjoy peace of mind for over 200 years

How does over 50s life insurance work?

Our over 50s plans are whole of life policies that guarantee a payout when you die. That means your cover will last for life, not just for a fixed period.

You choose a monthly premium and payout amount that's right for you. These will never change, unless you want them to – so you always know exactly what you're paying.

Choose the plan that’s right for you

Discover SunLife's over 50s cover. Two different options to help give you peace of mind, knowing you're leaving something for your loved ones – with the flexibility for them to use it however they need.

Guaranteed Inheritance Plan

Get a bigger guaranteed payout by answering a few health questions

  • Cover from day one
  • Available for 49 to 75 year olds
  • Just a few health questions
  • Leave between £5,000 and £50,000
  • Affordable premiums from just £7.26 a month (for a 50-year-old healthy non-smoker and payout of £5,000)

Important to know

  • Premiums payable for your lifetime or until your 90th birthday. No cash-in value.
  • Premiums paid could exceed the payout.
  • Inflation reduces buying power over time.
  • You must answer all questions truthfully and accurately.
  • No payout for death by suicide in first year.
  • Acceptance subject to personal circumstances.
  • Payout may affect inheritance tax, but does not cover it.
More about the Guaranteed Inheritance Plan

Guaranteed Over 50 Plan

A popular choice that helps loved ones cover funeral costs or leave a nest egg. The UK's most chosen over 50s whole of life cover.

  • Full cover after just one year
  • Guaranteed acceptance for 49 to 85 year olds
  • No medical questions
  • Leave between £500 and £18,000
  • £2,000 payout for £8 a month, based on a 50 year old non-smoker

Important to know

  • You're only fully covered after you've had the plan for one year.
  • Premiums are payable for your lifetime or to the policy anniversary after your 95th birthday. No cash-in value.
  • Premiums paid could exceed the payout.
  • Inflation reduces buying power over time.
  • Over 50s Insurance Plans do not guarantee to meet the full cost of a funeral.
More about the Guaranteed Over 50 Plan

Proud to be the nation's favourite and proud to be highly rated by our customers

Feefo platinum trusted service award 2025 Trustpilot logo five stars

Sources and information

  1. Insurance type – the Guaranteed Inheritance Plan and Guaranteed Over 50 Plan are whole of life insurance. If you stop paying your premiums, your insurance will end, and you won't get anything back.
  2. Guaranteed Inheritance Plan – Gift card sent within 30 days after 6 monthly payments. We reserve the right to withdraw this offer at any time. Go to sunlife.co.uk/guaranteed-inheritance-plan/giftcard for T&Cs.
  3. Guaranteed Over 50 Plan – 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.
  4. Guaranteed Over 50 Plan – Nation's favourite – source: Swiss Re Term and Health Watch Report 2025.
  5. Guaranteed Over 50 Plan – Guaranteed acceptance – is for UK residents aged 49–85.
  6. SunLife is highly rated for customer experience on Feefo and Trustpilot.
  7. Terms and conditions apply.

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