Proud to be the nation's favourite, and proud to be highly rated by our customers.
Why choose SunLife's Guaranteed Over 50 Plan?
SunLife's Guaranteed Over 50 Plan is a simple, flexible way to help your loved ones in the future. It is a whole of life insurance which guarantees a cash payout, when you pass away, for your loved ones to spend however they like.
They could put the money towards your funeral, plus any extras too – like the flowers, transport and send-off. Depending on what they choose, your cash gift might not cover the whole cost of your funeral but it could be a gift to help them out when they need it.
There's no medical questions, and you can choose a monthly payment and payout that suits you.
“I now have peace of mind there will be money when I die to help my family pay for my funeral. Thank you SunLife.”
Julie, June 2024

Your SunLife welcome gift
As a special thank you for taking out a plan, we'll send you a free welcome gift card, worth £135! It'll be yours to spend in all your favourite shops like M&S, Argos and Boots. T&Cs apply
Plus with SunLife, you'll get all this...
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
Important to know
- You're only fully covered after you've had the plan for one year.
- Premiums are payable for your lifetime or until the policy anniversary after your 95th birthday. Your cover continues for life. If you stop paying premiums earlier, your insurance will end and you won't get anything back.
- Depending on how long you live, you could pay more in premiums than the cash sum paid out.
- Because the cash sum is fixed, inflation will reduce its buying power over time.
- Over 50s Insurance Plans do not guarantee to meet the full cost of a funeral.
- Terms and Conditions apply.
We're here to support you

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.

How much cover do I need?
The average amount of cover people take out is over £4,000, which according to our Cost of Dying report, is roughly the average cost of a funeral in the UK.
Choosing the right amount of cover
How much life cover you need when you're over 50 depends on what you would like your payout to be used for.
The average cash payout chosen by SunLife customers is over £4,000. Some intend for their payout to go towards their funeral expenses, but others just want their loved ones to have a lump sum when they're gone. The great thing is, the money can be used for anything.
Using your payout to cover funeral costs
If you'd like your plan to take care of your funeral costs, it's helpful to know that the average cost of a funeral in the UK is over £4,000. This is based on leading research we run every year on the cost of dying, when we use the cost of both burials and cremations from across the UK to get an accurate figure.
You can find out more about burial and cremation costs where you live in our Cost of Dying report.

Articles and guides
From financial guides to useful tips, our articles and guides will help you plan for the future whilst living life to the full right now.
Frequently asked questions
Sources and information
- UK’s no.1/Nation's favourite/Most popular/Most trusted/UK's favourite – source: Association British Insurers statistics.
- Gift card – sent after you've paid 6 months' premiums. We reserve the right to withdraw this offer at any time. Go to sunlife.co.uk/gift for T&Cs.
- Fast payout – 98% of claims are paid within 3 working days of receiving the necessary paperwork.
- Funeral costs – are based on the average cost of a burial and the cost of a cremation in the UK. SunLife Cost of Dying report.
- SunLife is highly rated for customer experience on Feefo and Trustpilot.
- Testimonials – are from genuine customers, via Trustpilot.
- Guaranteed Over 50 Plan details (including 100% claims paid) – Full T&Cs apply(PDF downloads)
- Insurance type – this is whole of life insurance, a payout is guaranteed when you die. Premiums cease to be due on the policy anniversary on or after your 95th birthday.
- £4 premium – availability depends on your age and smoker status.
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: 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(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 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(nafd.org.uk opens in a new tab).
Who provides the Health and Wellbeing Service?
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.