Verification of SunLife product claims
Below you’ll find verification for claims about SunLife’s plans and products:
- Guaranteed Over 50 Plan verification
- Compare over 50 life insurance
- Guaranteed Inheritance Plan verification
Guaranteed Over 50 Plan verification
Below you’ll find verification for claims about SunLife’s Guaranteed Over 50 Plan.
Full cover after one year
In the first year of the plan you would only get the full payout if you were to die from an accident. If you were to die for any other reason in the first year, you would not get a payout. However, the premiums you had paid for that plan would be returned in full. See the terms and conditions for more information.
The UK's no.1 choice/The nation's favourite/The UK's most popular/The UK's most trusted/The UK's favourite
Source: Swiss Re Term and Health Watch Report 2025(Swiss Re Term and Health Watch Report 2025 downloads), based on 2024 new policy sales for Guaranteed Acceptance Whole of Life Assurance. For more information about this source, please get in touch.
Immediate cover for accidental death
The full cash sum is paid if you die as the result of an accident, even if you’ve had your plan for less than a year. Full terms and conditions apply.
Guaranteed to pay 100% of claims
Your payout is guaranteed, in accordance with the terms and conditions. As at end of August 2025.
Average cost of a funeral
£3,828 represents the average cost of a simple attended funeral. We use the costs of both burial and cremation from across the UK to calculate this figure. For more information about funeral costs by type and region, please see our Cost of Dying report.
Feefo rating
As of 23.06.25, we have a rating of 4.8 for customer service (based on 1,021 reviews in the last year) plus a Platinum Trusted Service award from Feefo.
Trustpilot rating
As of 23.06.25, we have a TrustScore rating of 4.8 out of 5. Based on 3.6K reviews in the last 6 months.
Fast payout
98% of claims are paid within 3 working days of getting the paperwork we need from you – 12 months to June 2025.
One Guaranteed Over 50 Plan is bought every 5 minutes
Based on new policy sales for a 12-month period to end of Feb 2025.
Number of policyholders
SunLife has over 800,000 Guaranteed Over 50 Plan policyholders as at 30th December 2024.
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.
Compare over 50 life insurance
SunLife's Guaranteed Over 50 Plan is the market leader for over 50s life cover. It offers:
- Guaranteed acceptance from ages 49–85
- 100% guaranteed cash payout of up to £18,000
- 5 Star rated by Defaqto
Below is a comparison with the next three most popular providers after SunLife according to the Swiss Re Term & Health Watch report 2025. Only providers who are currently trading are listed.
Competitor information is correct as of January 2026 and is checked every 3 months.
Aviva – Second most popular active provider
British Seniors' Over 50s Life Insurance (provided by Aviva Protection UK Limited)
- Only provides guaranteed acceptance up to age 80 (50–80)
- Maximum payout of £10,000
- Defaqto 3 Star rated product
Post Office Over 50s Life Cover (provided by Aviva Protection UK Limited)
- Only provides guaranteed acceptance up to age 80 (50–80)
- Maximum payout of £10,000
- Defaqto 4 Star rated product
One Family – Third most popular active provider
One Family's Over 50s Life Cover
- Only provides guaranteed acceptance up to age 80 (50–80)
- Maximum payout of £20,000
- Defaqto 5 Star rated product
Legal and General – Fourth most popular active provider
Legal and General's Over 50 Life Insurance
- Only provides guaranteed acceptance up to age 80 (50–80)
- Maximum payout of £10,000
- Defaqto 5 Star rated product
For additional information about these claims, or for sources please get in touch.
Guaranteed Inheritance Plan verification
Below you’ll find verification for claims about SunLife’s Guaranteed Inheritance Plan.
Cover starts immediately
Cover begins on the policy start date shown in your policy schedule. See the terms and conditions for more information.
Payouts from £5,000 to £50,000
You can choose any cover amount from £5,000 up to a maximum amount of £50,000 at the start of the policy. How much you can take out depends on your age, smoker status and health. See the terms and conditions for more information.
A payout is guaranteed
As long as you answer the health questions truthfully and accurately, a payout is guaranteed in accordance with the terms and conditions.
Bigger guaranteed payout
In exchange for a few simple health questions, we may be able to offer you a bigger payout compared to our Guaranteed Over 50 Plan.
Faster payout
Compared to some other types of life insurance. Faster payout applies if you name your beneficiaries when you take out a Guaranteed Inheritance Plan, as doing so means the payout won’t have to go through probate.
Insurance type
This is whole-of-life insurance. Premiums are payable for life. If you stop paying your premiums, your insurance will end, and you won't get anything back.
For more information about these claims, or for sources please get in touch.