Verification of SunLife product claims
Below you’ll find verification for claims about SunLife’s plans and products:
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 2026, based on 2025 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 January 2026.
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 20 February 2026, we have a rating of 4.8 for customer service (based on 1,505 reviews) plus a Platinum Trusted Service award from Feefo.
Fast payout
98% of claims are paid within 3 working days of getting the paperwork we need from you – 12 months to December 2025.
Number of policyholders
SunLife has over 828,000 Guaranteed Over 50 Plan policyholders as of 20 February 2026.
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 Swiss Re, Term & Health Watch 2026. Only providers who are currently trading are listed.
Competitor information is correct as of August 2026 and is checked every 3 months.
Aviva – Second most popular active provider
British Seniors' Over 50s Life Insurance (provided by Aviva Life and Pensions UK Limited)
- Only provides guaranteed acceptance up to age 80 (ages 50–80)
- Maximum payout of £10,000
- Defaqto 3 Star rated product
Post Office Over 50s Life Cover (provided by Aviva Life and Pensions UK Limited)
- Only provides guaranteed acceptance up to age 80 (ages 50–80)
- Maximum payout of £10,000
- Defaqto 4 Star rated product
OneFamily – Third most popular active provider
OneFamily's Over 50s Life Cover
- Only provides guaranteed acceptance up to age 80 (ages 50–80)
- Maximum payout of £20,000
- Defaqto 5 Star rated product
National Friendly – Fourth most popular active provider
National Friendly's Over 50 Life Insurance
- Only provides guaranteed acceptance up to age 80 (ages 50–80 for non-smokers and 50–75 for smokers)
- Personalised quote required to determine payout
- Defaqto 2 Star rated product
For additional information about these claims, or for sources please get in touch.