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Free £135 gift card. Don't miss out. Offer ends 31st July

Over 50s life insurance

Guaranteed acceptance with no medical and a guaranteed cash payout for loved ones

What is over 50s life insurance?

Over 50s life insurance guarantees a cash payout for your loved ones when you die. You make an affordable payment each month that never rises, and the money can be used to cover funeral costs, or anything you wish.

There's no medical, and you can choose a monthly payment and payout that suits you.

Proud to be the nation's favourite, proud to be highly rated by our customers and proud to support the British Heart Foundation.

Feefo Platinum Trusted Service Award 2024 4.5 star Trust Pilot rating British Heart Foundation logo

Why choose SunLife for over 50s insurance?

SunLife's over 50s plan is the most trusted in the UK – more people choose our plan than every other provider put together.

We like to keep things simple – just easy, affordable over 50s life cover and the friendliest service we can give. Our customers like the lifelong peace of mind that comes from knowing we pay every single claim, guaranteed. And we pay out fast too – usually within 3 days.

What’s more, SunLife has been supporting families around the UK for over 200 years. No wonder we’re the nation’s favourite over 50s life insurance company.

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  1. Guaranteed acceptance if you're between 49 and 85
  2. No medical questions
  3. Monthly payments that never rise, from £4 a month
  4. Cash payouts up to £18,000
  5. Full cover after just one year
  6. £250 towards your funeral with our Funeral Benefit Option
  7. We pay 100% of claims, usually within three days or fewer
  8. For a limited time only we'll send you a free £135 gift card, offer ends 31st July

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.
  • Depending on how long you live for, you could pay in more than is paid out.
  • Because the cash sum is fixed, inflation will reduce its buying power over time.
  • Terms and Conditions apply.

Get a free personalised quote   

Compare over 50s life insurance

See how SunLife's Guaranteed Over 50 Plan – the UK's favourite – compares with the over 50s plans of less popular providers.

Your SunLife welcome gift

As a special thank you for taking out a plan, we'll send you a free welcome gift card, worth £135! Just start your plan by 31st July, and it'll be yours to spend in all your favourite shops like M&S, Argos, Boots and Iceland.

Get a quote

How much could you leave for your loved ones?

Calculate your cover online or speak to our friendly team on 0800 904 7674

How much cover do I need?

Most people take out around £4,000 of coverage, which according to our Cost of Dying report, is roughly the average cost of a funeral in the UK.

Claim your Over 50s Guide

Your free over 50s life insurance guide

Our free guide explains how over 50s life cover works, so you can decide if this kind of insurance plan could be right for you.

Claim your over 50s guide
Carol explains over 50s life insurance

Watch Carol explain over 50s life cover

Carol explains over 50s life cover in under two minutes. Or you can read the transcript.

More on over 50s plan features and options

How you're protected with Accidental Death Benefit

Claim an extra £250 with the Funeral Benefit Option

What is over 60s life insurance?

Over 50s plan eligibility and documents

Already a customer? Get help here

How to make a claim

Here's how to make a claim or register a death

Make a claim

How to make a change

If you need to make a change to your details or your plan

Make a change

Top up your plan

Increase your payout with another plan – and even better rates

Get another plan

Answers to your questions

Sources and Information

  1. UK's No.1/Nation's favourite/Most trusted/Most popular – Source: Association British Insurers statistics.
  2. Gift card – sent after you've paid 6 months' premiums. Offer starts 02.05.2024. Offer ends 31.07.2024. Go to for T&Cs.
  3. Guaranteed Acceptance – is for UK residents aged 49-85.
  4. Fast payout – 98% of claims are paid within 3 working days of receiving the necessary paperwork.
  5. 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.
  6. SunLife is highly rated for customer experience on Feefo and Trustpilot.
  7. Testimonials – are from genuine customers, via Trustpilot and Feefo.
  8. 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).
  9. Guaranteed Over 50 Plan details (including 100% claims paid) – Full T&Cs apply(GOF terms and conditions PDF downloads)
  10. 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 opens in a new tab) 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( opens in a new tab) 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( opens in a new tab).