You are using an outdated browser. Please upgrade your browser to improve your experience.

Call our UK team today 0800 904 7674

Over 50 life insurance from the UK’s favourite

No medical. No fuss.
One monthly payment that will never rise.

Get a quote in 60 seconds

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.

To help protect your family from funeral costs or leave them a cash gift when you die, you may be thinking about over 50s life cover.

SunLife is a name you know, not a newcomer with no track record.

SunLife offers a five star rated over 50s plan, and SunLife pays every single claim. No wonder SunLife is the market leader.

Choose SunLife today and as a thank you, you’ll also get a welcome gift card.

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 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

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
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.

Get a free quote

Customer reviews

Feefo  Platinum Trusted Service 2020 Trustpilot logo Trustpilot logo

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

Get a free quote

Frequently asked questions

Q: Am I covered
for coronavirus?

A: If you take out a new Guaranteed Over 50 Plan you’re fully covered after a year (the waiting period known as the ‘moratorium’), including if you were to die from coronavirus.

However, if you bought your over 50s plan before 1st March 2020, we’re waiving the moratorium period for claims arising as a result of coronavirus. So, if you die due to an illness related to coronavirus (and this is recorded on the death certificate), we’ll pay the claim in full even if you are still in the waiting period.

Q: How does SunLife's
Guaranteed Over 50 Plan work?

A: Our Guaranteed Over 50 Plan works by paying out a fixed cash sum to your family when you die.

When you take out SunLife's Guaranteed Over 50 Plan, you’re immediately covered for accidental death but you are not covered if you die for any other reason until you have had your plan for one year.

So if you die in the first year and it is not as a result of an accident, you will not get a payout. However, the premiums you had paid for that plan would be returned in full.

Q: How much does
over 50 life insurance cost?

A: Based on your age and the premium you choose, our over 50 life insurance could cost you anything from £3.70 to £74 a month.

You can choose any monthly payment you wish. But your life insurance cannot exceed £18,000 across all your SunLife insurance plans.

Depending on how long you live, you could pay in more than we pay out.

Q: Will my life insurance premiums
ever go up?

A: No. One of the best features of our life insurance is that we guarantee to never increase your premiums.

Q: Do I need a medical?

A: No, we won’t ask you to take a medical or access your records. And we won’t ask you any questions about your health.

Q: Can I have a joint over 50s plan?

A: Unfortunately, we don’t offer joint policies, but your partner can also take out a plan in their name if they wish to.

Q: Can I have more
than one over 50s plan?

A: Yes, you can have multiple plans. But your monthly payments can’t be more than £100 a month and your total life cover cannot exceed £18,000.

Please be aware that you could get a lower total sum assured from several separate plans. This means that your sum assured could be higher if you take out a single plan for the same total monthly premium.

Q: Can I cancel my over 50 life insurance?

A: You’re free to cancel your SunLife Guaranteed Over 50 Plan at any time by writing to us.

If you cancel less than 30 days after you receive your policy documents, the monthly payments you’ve made will be refunded.

If you cancel or stop paying your premiums at any other time, your insurance will end and you won't get anything back.

Before taking out life insurance, it’s important to be sure it’s best suited to your needs. You should also be comfortable with the monthly cost you commit to.

Q: Can I cash in my over 50 life insurance?

A: The plan has no cash-in value at any time, so if you cancel your plan you wouldn’t get anything back.

Q: When do I stop paying my monthly payments?

A: You’ll pay your chosen amount every month for life, so it’s important you choose an amount you can afford.

You should also bear in mind that, depending on how long you live, you could pay in more than the cash payout.

If you choose PayStop, which is our premium cap option, then you will pay for the agreed length of time.

Q: Can I change my monthly payments?

A: After you have paid your first premium, you may request that your future premiums are reduced. This will also reduce the cash sum amount.

You can only reduce your premiums once and when completed, it cannot be undone or altered. The lowest amount you can reduce your premiums to is the minimum level that was available when you purchased your policy.

For more information read our terms and conditions including the policy summary (PDF)

When choosing your premium, it’s important to pick a monthly payment that you can afford. If you stop paying, your cover will be cancelled and you won’t get anything back.

Q: When will I get my free welcome gift?

A: You'll receive your FREE £115 gift card after you've made 6 monthly payments. It's yours to spend across thousands of high street stores including M&S, Argos and Iceland. Full terms and conditions apply.

Q: Can you tell me more about the Big Cash Draw?

A: Since 1st January 2018, the monthly SunLife Big Cash Draw has given customers the chance to win £10,000. Each valid policy held by a customer counts for one entry. From 1st March 2020, we will stop offering the monthly prize – and instead be offering the chance to win £50,000 as part of a single annual prize.

Any customers who opt-in from the 1st March 2020 until the close date of 28th February 2021 will be entered into the single £50,000 Draw, along with any valid existing entrants since 1st January 2018.

The Draw will take place within ten working days after the close date and the winner awarded £50,000. More details can be found at

Q: What is the free £250 Funeral Benefit Option?

A: Our Funeral Benefit Option offers an extra £250 to put towards your funeral, and it’s completely free.

It’s simple – when you pass away your cash sum will be sent directly to Dignity Funerals Limited. Dignity are one of the UK’s best known funeral companies, with over 800 funeral directors around the UK, so they could be just on your high street.

There is no commitment and nothing is arranged in advance – and so your loved ones have full control when the time comes.

If your family use a Dignity Funeral Director £250 will be contributed towards the cost of your funeral. This excludes direct cremation funerals.

Q: What is PayStop?

A: You can tailor your plan with PayStop, our premium cap option. This means you’ll pay a slightly higher premium, but your payments will stop at an agreed date rather than on death.

It is available for anyone aged 50-80. You can get a quote online or by calling us on 0800 904 7674.

Q: What is Accidental Death Benefit?

A: Accidental Death Benefit means that if you die from an accident or as a result of your injuries, within the first year of taking out your life insurance, you’re still covered, and we’ll give your loved ones the full payout.

Q: What is inflation, and will it affect my life insurance?

A: Inflation simply means that prices go up over time. Ever noticed how your money doesn't go as far as it used to? That's probably down to inflation.

For example, in 1980 you could buy nearly three loaves of bread for £1, but today you would be lucky to buy one.*

Inflation will reduce the buying power of your cash payout over time. When taking out your insurance, you should think about whether it will continue to meet your needs in the future.

*Source: Office of National Statistics (as at July 2018) Crown copyright material is reproduced with the permission of the Controller of HMSO

Q: How does my loved one make a life insurance claim?

A: Making a claim is simple and our staff will do everything they can to make sure things run smoothly.

When the time comes, your loved ones just need to call our friendly UK-based team on 0800 008 6060. Or, they can write to us and we’ll help with the rest.

If you would like to make a claim in writing, please address it to PO Box 1395, Peterborough PE2 2TR, United Kingdom.

If you’ve chosen the Funeral Benefit Option, they’ll need to contact Dignity Funeral Ltd directly.

Q: Can I refer a
friend to SunLife?

A: As a customer, you can refer your friends and family – and get a £100 gift card as a thank you. Just make sure your friend applies over the phone as they'll need to quote your unique referral code found in the packs we send you. Both gifts will be sent after your friend has made 6 premium payments. See full T&C's for more information.


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 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.