SunLife Over 50 Plan review

In this review we take a look at the Sunlife Guaranteed Over 50 Plan highlighting the features, benefits and some of the things you should look out for.

  • The UK's most trusted over 50s plan
  • UK residents aged 49-85 are guaranteed to be accepted
  • No medical questions to answer
  • Get a FREE £125 welcome gift card when you take out a plan before 1st May
  • Cover starts from £4 a month
Updated 27th December 2023 - I have reviewed SunLife to help you understand more about the company and the services they offer. Here’s what I found:

The SunLife plan

The SunLife Guaranteed Over 50 Plan is the UK’s most trusted over 50s life insurance plan. With roots stretching back over 200 years, SunLife were the first company to offer over 50 life insurance without a medical.

The Over 50 Plan can help you protect your loved ones by providing them with a cash payout when you die. The money can be used however your family choose, perhaps to help with funeral costs, pay off outstanding debts or as a treat for everyone to enjoy.

SunLife promises that your monthly payments will never go up and your cash sum will never go down. Plus they’re a Platinum Trusted Service Provider with the independent review company Feefo.

Why choose SunLife life insurance

  • It's the UK's most trusted over 50 life insurance plan
  • UK residents aged 49-85 are guaranteed to be accepted
  • No medical questions to answer
  • Sunlife guarantees to pay 100% of claims
  • You will get a FREE £125 gift card when you take out a SunLife insurance plan - offer ends 1st May
  • FREE Funeral Benefit Option
Get a SunLife Guaranteed Over 50 plan quote in 60 seconds

Can you have more than one over 50 plan?

You can have more than one SunLife over 50s plan however your total monthly premiums are limited to £100 and the cash payout threshold should be no more than £18,000. So, you can have as many over 50s plans as you like, as long as you don’t exceed these limitations.

Free Funeral Benefit Option

SunLife's Guaranteed Over 50 Plan comes with a free Funeral Benefit Option. You can choose to have your cash payout go directly to Dignity Funerals Limited, who will use it to pay towards the cost of your funeral. They will also contribute £250 if a Dignity Funeral Director is used to conduct your funeral.

When the time comes, your family only have to make one call and the Dignity Funeral Director will help them through all the arrangements.

Things to consider

  • The Guaranteed Over 50 Plan gives you full cover after one year. If you pass away before then, SunLife will pay out everything you’ve paid in.
  • The plan includes accidental death benefit - so SunLife will pay the full cash sum if you die as the result of an accident, even if you’ve had your plan for less than one year.
  • Depending on how long you live, you could pay more in premiums than the cash sum paid out.
  • You need to ensure you keep up with your monthly payments or your insurance will end and you won’t get anything back.
  • The cash sum is fixed so inflation will reduce its value over time.  
  • Please ensure you understand and are happy with the terms and conditions before taking out a plan.
  • The maximum cover level is £18,000.
  • The SunLife Guaranteed Over 50 Plan is provided by Phoenix Life Limited.

SunLife over 50 plan reviews by their customers

The SunLife plan and the service they offer has been rated highly by customers on two leading independent review sites - Feefo and Truspilot.

Feefo shows a rating of 4.8 for the Sunlife plan which is classed as excellent. Trustpilot also shows an excellent rating of 4.7.

Celebrity endorsed SunLife advertssunlife ad

In addition to customer reviews, Sunlife insurance has been endorsed in it’s adverts by many leading UK actors and presenters over the years. The most famous Sunlife advert has to be with Michael Parkinson, however June Whitfield, Annette Crosby, Alan Titchmarsh and more recently Carol Vorderman have also played their part in promoting the over 50 plan.

How to get a SunLife quote

My review of SunLife is designed to help you compare plans and find the best option for you. I would always recommend that you review all of your options to ensure you’re getting the best deal that suits your budget and needs.

Getting a SunLife Over 50 Plan quote is easy and takes less than 60 seconds. Premiums start from £4 a month and the service is completely free.

To see how much cash you could get, just click on the "Get a quote" buttons or Sunlife adverts on this page to go the Sunlife website.

Get a SunLife Guaranteed Over Plan quote in 60 seconds

Small print

1.UK’s Most Trusted/Nation’s favourite – source: Association of British Insurers statistics. 2. Gift cardsent after 6 months premiums paid. Biggest gift card value advertised to new customers. Offer starts 27/12/23. Offer ends 1/5/24. Go to for T&Cs. 3. Guaranteed acceptance for UK residents ages 49-85. 4. Insurance type - this is whole of life insurance. Premiums are payable for life unless PayStop option is selected. A payout is guaranteed when you die. 5. Further information at 6. Terms and Conditions apply.


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