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Call our UK team today 0800 022 4000

What makes our plan so very popular?

Guaranteed acceptance. Really affordable premiums.
And a guaranteed cash payout.

Get a quote in 60 seconds

Why get your Guaranteed Over 50 Plan today?

Over one million of our Guaranteed Over 50 Plans are bringing peace of mind to families across the country. To celebrate this milestone, we’re offering you our biggest welcome gift of all time – a free £115 gift card when you get a plan of your own.

We’ve specially selected your free gift card so you can spend it in as many shops as possible – including M&S, Boots, Argos and Iceland.

You can help protect your family from rising funeral costs with a guaranteed cash payout from the nation’s favourite. So why wait? Get a plan today.

“Can’t fault it. Quick to set up policy and now I have peace of mind”

Miss Ross, Sept 2020 – 5 stars Trustpilot

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
with no lifestyle questions

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 837,000 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. Most Trusted/UK's Favourite - Source: Association British Insurers statistics.

2. Gift - Biggest ever gift 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.

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

6. Big Cash Draw - SunLife £50,000 Big Cash Draw - Prize draw open to new and existing customers, excluding NI. Closes 28.02.21. See the full terms and conditions here.

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.