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Guaranteed Over 50 Plan verification

UK’s no 1 choice/Nation’s Favourite – SunLife has 59% market share of all whole of life guaranteed acceptance plans bought directly. Source: ABI statistics issued in June 2018 for 12 month period to 31 March 2018. For more information about this source, please get in touch.

Most affordable/Lowest premium on the market - £3.90 is the lowest fixed monthly premium available at every age for this type of product, compared with the top 5 most popular providers, as at 24 April 2018

Immediate cover - Full cash sum is paid if you die as the result of an accident, even if you’ve had your plan for less than two years

Most Trusted - More people trust us with their over 50s life cover than any other provider. Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - based on new policy sales, 12 months up to 31 March 2018.

Bigger payouts. SunLife has increased its sums assured at every premium than those available between 2nd January 2018 and 2nd September 2018, for all ages.

Guaranteed Funeral Plan verification

Most affordable

We have compared the cheapest monthly cost for the Guaranteed Funeral Plan with other providers who offer payment plans to guarantee funeral costs. This includes insurance based funeral plans, and monthly instalment plans

The cheapest monthly premium for the Guaranteed Funeral Plans is £9.25 for a 50 year old and at the time of verification (June 2018) was the most affordable.

The monthly premium of £9.25 is payable for the first year of the Guaranteed Funeral Plan. Premiums increase at each policy anniversary for a maximum of 20 years

The Guaranteed Funeral Plan will cover the cost of the chosen funeral services once the plan has been held for two years as long as all premiums are fully paid when due. With some instalment plans, all instalments need to be paid for funeral costs to be guaranteed

It should be pointed out that the comparison does not look at total cost payable. This cannot be assessed for an individual as it is dependent on how long they live. For the Guaranteed Funeral Plan if the policyholder lives long enough then they could pay in more than the value of the funeral services at death

Rising Funeral costs

SunLife Cost of Dying report 2017

Product availability

Not all products are available outside mainland UK. Please call for more information.

FSCS Protection

As SunLife is regulated by the Financial Conduct Authority, its qualifying products come with Financial Services Compensation Scheme (FSCS) protection.

This means in the unlikely event of SunLife failing as a business, the life insurance policy (which pays for your funeral plan) would be protected, and your loved ones would still get the money.

Very few funeral plans from other providers come with this protection.

Free gift

  • Gift is sent after three months’ premiums are paid. Your first month is free so it’ll be sent around four months into your plan.
  • We reserve the right to change or stop this gift offer, or limit the total number of gifts for each customer.
  • We can stop the issue of a gift to any customer who has previously held and cancelled a SunLife policy.
  • In order to prevent fraud and comply with anti-money laundering regulations, we may ask for proof of identification before fulfilling any gift.
  • We will cancel any plans or gift should we discover or have a reasonable suspicion that the terms of the offer are being abused.
  • Gift cards are fulfilled by Love2Shop. Full terms and conditions are available at www.love2shop

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services. Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.