Over 50 life insurance from the UK’s favourite
No medical. No fuss.
One monthly payment that will never rise.
Over 50 life insurance from the UK’s favourite
No medical. No fuss.
One monthly payment that will never rise.
What is over 50s life insurance?
Over 50 life insurance is a popular way to help cover funeral costs or leave a cash gift for loved ones. You pay a little each month and get a guaranteed payout when you die. The average payout is over £4,000.
SunLife’s Guaranteed Over 50 Plan is really affordable (from 86p a week) and the UK’s favourite (more people choose our plan than any other). We’re also rated more highly by customers on Feefo than any
other over 50s plan provider.
Video transcript
Reasons to choose SunLife
You choose the monthly premium which suits you. The premiums never go up and
you know exactly what the payout will be when you die. Plus, with SunLife you get:
Guaranteed acceptance
with no lifestyle questions
Guaranteed payout
(we pay 100% of claims)
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.
How does over 50 life insurance work
A life insurance for over 50s is known as ‘whole of life’ cover, because it covers you for the whole of your life, no matter how long you live. You'll often be immediately covered for accidental death and have full cover after a year or two. You can find out more in our complete over 50 life insurance guide.
How much life cover do I need?
This type of life insurance is often to help cover funeral costs, and the average cost of a funeral in the UK is £4,184 (based on the mean average of the cost of a burial and the cost of a cremation in the UK). You can find the average cost of burials and cremations in your area by downloading our Cost of Dying report.
It’s completely free and is the UK’s longest-running, most respected research into funeral costs, annually interviewing funeral directors from all over the UK.
Over 50 life insurance calculator
The cost of life insurance depends on your age and how much cover you'd like, but it is often very affordable. To give an idea, here’s a table that calculates how much you could get for £19.99 a month:
Age: | 50 | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|---|
Payout: | £6,049 | £5,302 | £4,711 | £3,898 | £2,950 | £2,091 | £1,505 |
Age: | 50 | 55 | 60 |
---|---|---|---|
Payout: | £6,049 | £5,302 | £4,711 |
65 | 70 | 75 | 80 | £3,898 | £2,950 | £2,091 | £1,505 |
---|
Payouts for new customers. Correct as at February 2020. For a premium of £19.99 call free on 0800 904 7674.
Customer reviews


Over 837,000 customers have chosen SunLife’s Guaranteed Over 50 Plan to help them leave a cash payout for their loved ones.
With over 200 years’ experience we know what makes great service.
That’s why we’re a Feefo Platinum Trusted Service Provider.
What’s more, customer reviews on Feefo rate us more highly than
any other over 50s plan provider.
How to buy
You can get a free quote online in just a couple of minutes or by calling our friendly UK team.
If you are aged 50 to 85 we guarantee to accept you and there are no lifestyle questions.
Call FREE on: 0800 904 7674

Join over 837,000 people in the UK who’ve taken out a SunLife plan
Frequently asked questions
Important
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. Terms & Conditions 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
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.