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Guaranteed Over 50 Plan Verification

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 Most Trusted

SunLife has 81.4% market share of all whole of life guaranteed acceptance plans bought directly. Source: ABI statistics issued in March 2022 for 12-month period to 30th December 2021 based on new Phoenix Life policy sales trading as SunLife. 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.

One of the most affordable

SunLife offers a monthly premium option of £3.70, making it one of the most affordable ways to take out over 50s life cover.

Premiums from 86p a week

Our lowest premium is £3.70 a month, which equates to just under 86p a week. Premiums are paid monthly or quarterly.

Average cost of a funeral

£4,056 represents the average of the cost of a burial and the cost of a cremation in the UK. For more information about funeral costs by type and region, please see our Cost of Dying report.

Feefo rating

As of 12th July 2022 we have a rating of 4.8 for customer service (based on 2,998 reviews) plus a Platinum Trusted Service award from Feefo. No other over 50s plan provider has both a rating so high and a platinum award. This is checked monthly.

Trustpilot rating

As of 12th July 2022 we have a TrustScore rating of 4.6 out of 5. Based on 5,159 reviews. This is checked monthly.

Fast Payout

98% claims are paid within 3 working days – 12 months to September 2021.

One Guaranteed Over 50 Plan is bought every 4 minutes

Based on new policy sales for a 12-month period to 5th April 2022.

Number of policy holders

SunLife has over 873,590 policyholders as at 4th April 2022.

British Heart Foundation

SunLife will pay £1 from the first payment of every Guaranteed Over 50 Plan to the British Heart Foundation to fund lifesaving research.
Registered Charity Number: 2259717 (England and Wales) and SC039426 (Scotland).


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.

£10,000 Big Cash Draw

The Draw is free to enter for all SunLife Guaranteed Over 50 policyholders who are resident in England, Scotland and Wales. Residents of Northern Ireland cannot enter the Draw. Draw close dates in 2022 are the 5th May, 5th July, 5th September, 5th November and in 2023 the 5th January. The final draw closes 5th March 2023. See the full terms and conditions here.

Compare over 50 plans

SunLife's Guaranteed Over 50 Plan is the market leader for over 50s life cover. It offers a 100% guaranteed cash payout of up to £18,000, for people aged 50–85. Unlike some others, it provides an option to stop paying before aged 90 and still receive a full payout, it also comes with a free funeral benefit option. What's more, every other month customers get a chance to win £10,000 in the Big Cash Draw.

Here's how the Guaranteed Over 50 Plan compares to these others selling over 50s life insurance.

Royal London – Second most popular provider
Royal London's Over 50 Life Insurance Plan

  • Maximum payout of £10,000
  • Only provides guaranteed acceptance up to aged 80 (50–80)
  • You must pay until you are 95 to receive the full payout (Payments cease if you die before that)
  • Funeral benefit option offered
  • No chance to win £10,000 in a prize draw

iptiQ – Third most popular provider
Promis Life's Over 50 Life Insurance Promis

  • Maximum payout of £20,000
  • Only provides guaranteed acceptance up to aged 79 (50–79)
  • You must pay until you are 90 (Payments cease if you die before that)
  • No funeral benefit option
  • No chance to win £10,000 in a prize draw

AIG – Fourth most popular provider
British Seniors' Over 50 Life Insurance

  • Maximum payout of £10,000
  • Only provides guaranteed acceptance up to aged 80 (50–80)
  • You must pay until you are 95 (Payments cease if you die before that)
  • £300 Funeral benefit option
  • No chance to win £10,000 in a prize draw

These are the next best providers after SunLife according to the Swiss Re Term & Health Watch report 2021. The product information is correct as at April 2022 and is checked every three months.

For more information about these claims, or for sources please get in touch.

Free Gift Terms & Conditions

  • Gift sent after 6 months’ premiums paid.
  • SunLife reserves the right to withdraw this offer at any time, or limit the total number of gifts for each customer.
  • SunLife can stop the issue of a gift to any customer who has previously held and cancelled a SunLife policy.
  • To prevent fraud and comply with anti-money laundering regulations, SunLife may ask for proof of identity before fulfilling any gift.
  • SunLife will cancel any gift should we discover or have a reasonable suspicion that the terms of the offer are being abused.
  • Please note that gifts are subject to availability. In the event of your chosen gift not being available, an alternative of the same value will be offered.
  • The card belongs to the Park Card Services Ltd of Valley Road, Birkenhead, Merseyside, CH41 7ED.
  • By using the card you are deemed to accept Love2shop terms and conditions.
  • Full Love2Shop terms and conditions are available here.