Our Guaranteed Over 50 Plan is 5 Star rated by Defaqto
Defaqto is one of the UK's most trusted sources of financial product and market intelligence
What is over 50s life insurance?
Over 50s life insurance is whole of life cover that guarantees a cash payout for your loved ones when you die. It's a simple, affordable way to leave your loved ones a little extra behind. Keep in mind the cash sum is fixed, inflation will reduce its buying power over time.
You choose a monthly premium that fits your budget. With SunLife's Guaranteed Over 50 Plan, premiums are payable for your lifetime or until the plan anniversary after your 95th birthday. And with no medical questions, acceptance is guaranteed if you're aged 49-85.
Why choose SunLife?
SunLife introduced the UK's first no-medical life insurance policy. In fact, we've been protecting families since 1810. Today, we have the UK's favourite over 50s plan, and we pay every single claim – usually within just three days – giving your loved ones one less thing to worry about when the time comes.
What you get with your plan
Important to know
- Full cover after one year
You'll be fully covered after one year. If you die after that time, for any reason, your loved ones will receive the full cash payout. - Cover for life
You'll pay premiums until the policy anniversary after your 95th birthday, or until you die – whichever comes first. If you stop paying premiums earlier, your cover will end and you won't get anything back. - Cash sum is fixed
Because the payout amount doesn't increase, inflation will reduce its buying power over time. - You may pay in more than you get out
This depends on how long you live and how much you've paid in premiums. - Doesn't guarantee to cover funeral costs
Over 50s life insurance does not guarantee to cover the full cost of a funeral, but it can help towards it. - Read our terms & conditions for more information.
Compare over 50s insurance
See how the most popular over 50s life insurance providers compare. For full features and details, please refer to each provider.
| Provider |  |
British Seniors | Post Office | One Family | Legal & General |
|---|---|---|---|---|---|
| Policies start between | 49–85 years old | 50–80 years old | 50–80 years old | 50–80 years old | 50–80 years old |
| Max cover* | £18,000 | £10,000 | £10,000 | £20,000 | £10,000 |
| Defaqto rating | 5 Star | 3 Star | 4 Star | 5 Star | 5 Star |
| Full life cover available after | 1 year | 1 year | 1 year | 2 years | 1 year |
| Quote and apply online |  |
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Competitor information correct as of April 2026. Checked every 3 months. Provider rankings from Swiss Re Term & Health Watch report 2025. *Maximum cover depends on your age and smoker status, so may be different to the amounts shown here. Get a personalised quote to see what's available to you. For more details about all the providers in our comparison table, compare over 50s plans here.
Proud to be the nation's favourite over 50s whole of life cover, and proud to be highly rated by our customers.
Over 50s life insurance calculator
The payout your loved ones receive depends on your age and smoker status when you take out your plan, and on the monthly payment you choose. As a guide, here's what a non-smoker could get from a SunLife Guaranteed Over 50 Plan for £20 a month:
| Age: | 50 | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|---|
| Payout: | £5,694 | £4,959 | £4,470 | £3,647 | £2,776 | £1,985 | £1,442 |
Payouts for new customers who are non-smokers. Correct as at October 2025.
For a quote call free on 0800 904 7674.
Your welcome gift card
Start your new Guaranteed Over 50 Plan and you'll get our biggest £140 gift card. It'll be yours to spend in all your favourite shops like M&S, Argos and Boots. Gift cards are sent within 30 days after 6 monthly payments. Offer ends 30th June 2026. T&Cs apply
We're the UK's Top Over 50s Life Insurance Provider 2025
Awarded by the Telegraph and Statista UK's Top Insurance Companies 2025.
Help and guides
How much cover do I need?
How much whole of life cover you need when you're over 50 depends on what you want the payout to be used for. The most commonly chosen payout for SunLife's Guaranteed Over 50 Plan is £5,000, which could be used towards funeral costs or to leave a lump sum for loved ones. In the UK, a simple attended funeral costs around £3,800 on average, though prices vary by over £1,000 across the country, and extra expenses are common.
You can find out more about burial and cremation costs where you live in our Cost of Dying report.
Health and Wellbeing Service
To help your wellbeing be the best it can be, we’ve introduced a free Health and Wellbeing Service, provided by our partner RedArc – so you can get regular support from the same registered nurse over the phone whenever you need it.
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.
More on over 50s cover features and options
How you're protected with Accidental Death Benefit
What is Accidental Death Benefit
Accidental Death Benefit means that if you die from an accident or as a result of your injuries within the first year of your policy, you’re still covered, and we’ll give your loved ones the full payout.
During the first year of your SunLife policy (called a moratorium period) Accidental Death Benefit offers an extra layer of protection in case of the unexpected. The moratorium period can differ from provider to provider so it’s a good idea to check before taking out a policy.
What is over 60s life insurance?
Over 60s life insurance
Over 60s life insurance is the same as over 50s life insurance. That’s why you won’t often see it advertised. Whether you’re over 50, 60 or 70, you can apply for SunLife Guaranteed Over 50 Plan if you’re a UK resident. If you’d like to know more, read our guide on reasons to consider over 60 life insurance.
Over 50s plan eligibility and documents
Are you eligible for over 50 life insurance?
To apply for SunLife’s Guaranteed Over 50 Plan you need to be:
Remember, we guarantee to accept you and there will be no medical questions.
Already a customer?
Make a claim
Register a death or make a claim online. We're here to help.
Manage your plan
Something changed? Update your details or make changes to your cover.
Top up your plan
Add another plan to increase your payout – and get even better rates.
Sources and information
- UK’s no.1/Nation's favourite/Most popular/Most trusted/UK's favourite – source: Swiss Re Term and Health Watch Report 2025.
- Gift card – biggest in relation to value of standard gift card offered. Sent within 30 days after 6 monthly payments. Offer ends 30th June 2026. Go to sunlife.co.uk/gift for T&Cs.
- Guaranteed Acceptance – is for UK residents aged 49-85.
- Fast payout – 98% of claims are paid within 3 working days of receiving the necessary paperwork.
- Funeral cost – is national average and weighted by national percentage of burials and cremations. Simple funeral with service includes collection and care of deceased, pre-paying disbursements, hearse, wood-effect coffin, and fees for burial/cremation. SunLife Cost of Dying report.
- SunLife is highly rated for customer experience on Feefo and Trustpilot.
- Testimonials – are from genuine customers, via Trustpilot and Feefo.
- Guaranteed Over 50 Plan details (including 100% claims paid) – Full T&Cs apply(PDF downloads)
- RedArc – is a support service that isn't regulated by the Financial Conduct Authority. These services aren't part of the terms and conditions of your SunLife Guaranteed Over 50 Plan and may be amended or withdrawn at any time.
- SunLife introduced the UK's first no-medical life insurance policy – in 1900 sunlife.co.uk/history.
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(website 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: 10 Brindleyplace, Birmingham, B1 2JB, United Kingdom. Registered in England and Wales, number 05460862. SunLife Limited is authorised and regulated by the Financial Conduct Authority(www.fca.org.uk 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 10 Brindleyplace, Birmingham, B1 2JB, 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).