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Over 50s life insurance

The Guaranteed Over 50 Plan from the UK's favourite

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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.

Our plan is available to anyone aged 49-85. 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.

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SunLife is proud to support the British Heart Foundation

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 £3.70 a month
  4. Cash payouts up to £18,000
  5. £100 gift card to spend at 100s of shops
  6. Full cover after just one year
  7. Immediate cover for accidental death
  8. £250 towards your funeral with our Funeral Benefit Option
  9. We donate £1 to the British Heart Foundation for every plan
  10. We pay 100% of claims, usually within three days or fewer
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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.

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Your exclusive SunLife Welcome Pack

Get a FREE £100 gift card, free entry to our £10,000 draw, and our famous SunLife Pen – plus much more.

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How much could you leave for your loved ones?

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

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Is over 50s life insurance right for you?

A quick quiz to help you understand if over 50s cover may be the best life insurance option for you.

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How much cover do I need?

Most people take out around £4,000 of coverage, but it may help to know that the average cost of a funeral in the UK is £4,056.

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Claim your free over 50s life insurance guide

Get all you need to know about life insurance for over 50s in an easy, printable format. Claim your free guide today.

Claim your guide
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Watch Carol explain over 50s life cover

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

Important to know

  • You're only 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.
  • For full product details, read our Terms & Conditions.

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More on over 50s plan features and options

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How you're protected with Accidental Death Benefit

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Claim an extra £250 with the Funeral Benefit Option

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What is over 60s life insurance

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

2. Gift card – sent after six months premiums paid. SunLife reserves the right to change, stop or limit this offer at any time. Terms & Conditions apply.

3. Guaranteed Acceptance - is for UK residents aged 50-85.

4. 98% claims are paid within 3 working days – 12 months to March 2020.

5. 86p a week – equivalent to £3.70 a month, our lowest premium. Premiums are paid monthly.

6. Funeral costs – are based on the average of the cost of a burial and the cost of a cremation in the UK. SunLife Cost of Dying report January 2022.

7. British Heart Foundation – SunLife will pay £1 from the first payment of every plan to the British Heart Foundation, Registered Charity Number: 2259717 (England and Wales) and SC039426 (Scotland).

8. SunLife is highly rated for customer experience on Feefo and Trustpilot.

9. Guaranteed Over 50 Plan details (including 100% claims paid) - 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.