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Over 50 life insurance from the UK’s favourite

No medical questions, affordable premiums
and a guaranteed cash payout.

Get a quote in 60 seconds

What is over 50s life insurance?

Over 50s life insurance is a type of cover that guarantees a cash payout for your loved ones when you die. You make an affordable payment each month that never rises, and your payout can be used to cover funeral costs, outstanding bills, or left as a gift.

It's quick and simple to get your plan online or over the phone. Our friendly team can have everything sorted for you in minutes. And for complete peace of mind, we pay 100% of claims.

Got a question? Call our friendly UK team on 0800 904 7674

Key features of over 50s life cover

  • Guaranteed acceptance if you're aged 50-85 with no medical

  • More affordable than traditional life insurance – from just £3.70 a month

  • Loved ones get a guaranteed payout when you die

  • The costs never go up, and you know exactly what your payout will be

The UK's most trusted over 50 life insurance provider

More people choose SunLife's Guaranteed Over 50 Plan than any other over 50s life insurance (confirmed by ABI statistics). We like to keep things simple – just easy, affordable over 50s life cover and the friendliest service we can give. Here are just a few more reasons why SunLife is the nation's favourite:

  1. We pay 100% of claims and we pay them fast, usually within 3 working days.
  2. Our over 50s plans are affordable (from just £3.70 a month) and we offer an extra £250 with the Funeral Benefit Option.
  3. We guarantee to accept you. And unlike some others, we don’t ask for a medical.
  4. We're the highest rated over 50s life insurance provider on Feefo, with thousands of independent reviews from real customers.

Get a quick quote online

Watch Carol Vorderman explain SunLife's Guaranteed Over 50 Plan in just 30 seconds.

"Really affordable premiums that never rise and a guaranteed payout. No wonder SunLife is the market leader"

Carol Vorderman

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.

Join over 875,000 people in the UK who’ve taken out a SunLife plan

Over 50 life insurance calculator

The payout your loved ones will get depends on your age at the time you take out your plan and what monthly payment you choose. As a guide, here are the payouts at various ages a non-smoker can get for £19.99 a month:

Age: 50 55 60
Payout: £6,116 £5,361 £4,764
65 70 75 80
£3,941 £2,983 £2,115 £1,522

Payouts for new customers who are non-smokers. Correct as at December 2021. For a premium of £19.99 call free on 0800 904 7674.

Get your personalised quote below

Calculate your cover online

How much life cover do I need if I am over 50?

How much life cover you need when you’re over 50 depends on what you would like your payout to be used for.

For example, life insurance for over 50s is often used to help cover funeral costs, and the average cost of a funeral in the UK is £4,056. (We use the cost of both burials and cremations from across the UK to calculate this figure.)

You can find out more about burial and cremation costs in your area within our Cost of Dying report.

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How does over 50 life insurance work?

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 usually have to wait to get full cover – normally a year or two. With SunLife, you get immediate cover for accidental death and full cover after just one year.

Read our guide to over 50 life insurance

Am I eligible for an over 50s plan?

To apply for SunLife's Guaranteed Over 50 Plan you need to be:

  • Aged 50-85
  • A permanent UK resident

Remember, we guarantee to accept you and there will be no medical questions.

policy documents icon, downloadable pdf

Policy documents

Terms and conditions

Get covered today

You can get a free quote online in just a couple of minutes or by calling our friendly UK team.

Call FREE on: 0800 904 7674

Get a free quote online

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Customer Reviews

Over 875,000 customers have chosen SunLife’s over 50 life insurance to help them leave a cash payout for their loved ones. Here’s what some recent customers have to say:

Learn more about life insurance for over 50s

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Over 50s guide

Our in-depth guide to over 50s life insurance and how it works.

Important information

  • You're fully covered after 12 months. Then the cash payout you've chosen is paid when you die.

  • Depending on how long you live, the total paid in premiums could be more than the cash payout.

  • 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.

Already a customer? Get help here

Funeral Benefit Option

You can choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan at no extra cost. It offers an extra £250 to contribute towards your funeral.

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 – so your loved ones have full control of the funeral planning when the time comes.

If your family do choose a Dignity Funeral, one of their local funeral directors will help with any arrangements, and Dignity will put £250 towards the cost of your funeral.

Please note that Funeral Benefit Option excludes direct cremations.

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 for access to your records.

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: 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: 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 £120 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: From 1st January 2018, the monthly SunLife Big Cash Draw gave customers the chance to win £10,000. From 1st March 2020, we stopped offering the monthly prize – and instead offered the chance to win £50,000 as part of a single annual prize.

Any customers who opted-in from the 1st March 2021 until the close date of 28th February 2022 will be entered into the single £50,000 Draw, along with any valid existing entrants since 1st January 2018. Each valid policy held by a customer counts for one entry.

The Draw will take place on 3rd March 2022 and the winner awarded £50,000. More details can be found at

From the 1st March 2022, we’ll stop offering the annual prize and instead we’ll be giving away £60,000 over the course of 12 months. Every other month, one lucky Guaranteed Over 50 Plan customer will win £10,000. All existing and new policyholders will be eligible to enter. Enter by the 28th of every other month to be in with a chance of winning. The final draw closes 28th February 2023.

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 card – Most valuable gift card for new customers. 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. Defaqto 5 Star Rating - Defaqto 5 star rating applies to PayStop, our premium cap option for ages 50-80. Available via phone or online.

5. 98% claims are paid within 3 working days – 12 months to March 2020.

6. 86p a week – equivalent to £3.70 a month, our lowest premium. Premiums are paid monthly.

7. 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.

8. 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.