Whatever your story, we guarantee to accept you
Help protect the ones you love with simple, reliable over 50s life cover
Start your Guaranteed Over 50 Plan today and look forward to:
Important to know
- You're only fully covered after you've had the plan for one year. If you die after the first year of your plan, the full cash sum will be paid to your loved ones.
- If you stop paying your premiums, your insurance will end, and you won't get anything back.
- Because the cash sum is fixed, inflation will reduce its buying power over time.
- Depending on how long you live for, you could pay in more than is paid out.
- Terms and Conditions apply.
Proud to be the nation's favourite, proud to be highly rated by our customers and proud to support the British Heart Foundation.
Enjoy our BIGGEST free welcome gift!
As a special thank you for taking out a plan, we'll send you our BIGGEST free gift card, worth £125. Just start your plan by 1st May, and it'll be yours to spend in all your favourite shops, like M&S, Argos, Boots and Iceland.
“The life insurance with Sunlife has been something I have been thinking about for a while. The customer service was excellent, I understood everything I was told. I would recommend SunLife to give you peace of mind.”
Ann, April 2024
“It was a weight off my mind to know I had left my son something. So glad it's done now. Thanks SunLife for making it so easy.”
Pamela, October 2023
How much cover do I need?
Most people take out around £4,000 of cover, but it may help to know that the average cost of a funeral in the UK is £4,141.
Choosing the right amount of cover.
How much life cover you need when you're over 50 depends on what you would like your payout to be used for.
The average cash payout chosen by SunLife customers is around £4,000. Some intend for their payout to go towards their funeral expenses, but others just want their loved ones to have a lump sum when they're gone. The great thing is, the money can be used for anything.
Using your payout to cover funeral costs
If you'd like your plan to take care of your funeral costs, it's helpful to know that the average cost of a funeral in the UK is £4,141. This is based on leading research we run every year on the cost of dying, when we use the cost of both burials and cremations from across the UK to get an accurate figure.
You can find out more about burial and cremation costs where you live in our Cost of Dying report.
Answers to your questions
Sources and information
- UK’s No.1/Nation's Favourite/Most trusted/Most popular – source: Association British Insurers statistics.
- Gift card – sent after you've paid 6 months' premiums. Biggest gift card value advertised to new customers. Offer starts 27.12.2023. Offer ends 01.05.2024. Go to sunlife.co.uk/gift for T&Cs.
- Guaranteed Acceptance – is for UK residents aged 49-85.
- Payouts worth thousands – at the average premium, customers receive payouts in excess of £2,000.
- Fast payout – 98% claims are paid within 3 working days of receiving the necessary paperwork.
- Funeral costs – are based on the average cost of a burial and the cost of a cremation in the UK. 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.
- British Heart Foundation – SunLife will pay £1 from the first payment of every plan to British Heart Foundation Ventures Limited registered as a company in England and Wales No. 02767880, which pays its profits to the British Heart Foundation. Registered Charity Number: 225971 (England and Wales) and SC039426 (Scotland).
- Guaranteed Over 50 Plan details (including 100% claims paid) – Full T&Cs apply
- Insurance type – this is whole of life insurance. Premiums are payable for life unless PayStop option is selected. A payout is guaranteed when you die.
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 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: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom. Registered in England and Wales, number 05460862. SunLife Limited is authorised and regulated by the Financial Conduct Authority 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 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, 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).
Who provides the Funeral Benefit Option?
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, United Kingdom. Registered in England and Wales, number 00041598. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.