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Do more with your money

It doesn’t matter what you do for a living or how much money you make, thinking ahead and making money plans is always a wise move. After all, a bright future won’t just happen and you can’t bank on winning the lottery.

So if you have a dream for the years ahead, even if it’s just to enjoy an easier life, why not invest in trying to make it a reality now?

Take a look at our products

Make your money work for you

The thing is, your money can’t be working for you if you don’t squirrel some of it away. When debts are done with and you’ve built up savings for those expenses that come out of the blue, it may be time to look at investing.

Investing’s about giving your money the chance to grow more than it would in cash savings, by taking some risk. If you’re able to tie up your money for a good few years and can accept you may lose on it, it could be a good way to try and achieve your bigger goals for later in life, like a special holiday or extra cash in retirement.

Only 41%

of British households are saving°

Interest rates

at all time low°°

21.6 million

ISA holders*

Straightforward ways to put your money to work

How we can help you invest for the years ahead

If you're comfortable putting your money aside for 5 or more years and are willing to take some risk, we offer a stocks and shares ISA to help you try and get a better return on your money.

Stocks and Shares ISA

  • Tax efficient way to put money aside for the future
  • Start investing from just £10 per month
  • Flex payments to work around you
  • Built in money-back guarantee on certain dates

Open My Smarter (ISA)

Please remember that when you invest you are taking a risk. The value of a stocks and shares ISA can go down as well as up, and you could get back less than you paid in.

Thinking ahead – Equity Release

For anyone over 55 who’s thinking about how to fund their later years, equity release is one option that could help. Very simply, it lets you get hold of the money tied up in your home, without having to sell up or move.

Working out if Equity Release is right for you will depend on your personal situation and your finances, but here are some reasons why it could be worth mulling over:

Equity Release

  • Top up your income
  • Pay for home improvements
  • Clear your debts
  • Give an early inheritance to loved ones
  • Fund a big buy like a holiday
The smallest print

° Financial Inclusion: Annual monitoring report 2014, Birmingham: University of Birmingham. — Only 41% of British households are saving

°° www.bankofengland.co.uk/ — 0.25% as of 10th May 2017

* Government ISA statistics PDF — published April 2017

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife? 

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.