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Over 50 life insurance from the UK’s favourite

Guaranteed acceptance. Really affordable premiums. Our most valuable welcome gift card.

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What is over 50s life insurance?

Over 50s life insurance is a really affordable and popular way to help cover funeral costs or leave a cash gift for loved ones.

And SunLife's is the most trusted plan of all.

You pay a little each month and get a cash payout when you die. The average payout is over £4,000.

"Really affordable premiums that never rise and a guaranteed payout. No wonder SunLife is the market leader"

Carol Vorderman

Over 50 life insurance from the UK’s favourite

The UK's favourite

Our over 50 life insurance also comes with a combination of benefits, including:

guaranteed acceptance logo

Guaranteed acceptance, and no medical questions, for ages 50-85

100% claims payed logo

Guaranteed payout
(we pay 100% of claims)

Over 50s life insurance 110 pound gift logo

Features and benefits rated 5 Star by Defaqto - the highest they give
(relates to PayStop)

Important information

  • You're fully covered after a year. Then the cash payout you've chosen is paid when you die.
  • The total paid in premiums could be more than the cash payout (depending on how long you live).
  • You need to pay your monthly premiums to keep your cover. If you stop, so will the insurance and you won't get anything back.
  • Inflation reduces buying power over time.

Join over 850,000 people in the UK who've taken out a SunLife plan

Why SunLife is the UK's most popular

  • Someone buys a plan with us every 3 minutes
  • Our roots go back over 200 years, so you can trust us to be there for your loved ones
  • We're the highest-rated over 50s plan provider across Feefo, Trustpilot and Defaqto

But don't just take our word for it – take a look at our customer reviews.


1. UK’s No.1/Nation's Favourite/Most trusted/Most popular - Source: Association British Insurers statistics.

2. Gift - Most valuable gift card for new customers. Sent after 6 months’ premiums paid. T&Cs apply

3. Guaranteed Acceptance - is for UK residents aged 50-85.

4. Defaqto 5 Star Rating - Defaqto 5 star rating applies to PayStop, our premium cap option for ages 50-80. Available via phone or online.

5. Big Cash Draw - SunLife £50,000 Big Cash Draw - Prize draw open to new and existing customers, excluding NI. Closes 28.02.22. See the full terms and conditions here.

6. Guaranteed Over 50 Plan - Full T&Cs apply

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 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.