SunLife Over 50 life insurance review

  • The UK’s most trusted plan
  • Free Welcome £115 Gift Card
  • Entry into the annual £50,000 Big Cash Draw (exc residents of NI)
  • Starts from £3.70 a month

Read our SunLife over 50 plan review before you buy

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The Sunlife plan

Did you know that SunLife is the UK’s most trusted over 50s life insurance provider? Their roots stretch back over 200 years and they were the first to offer life insurance without a medical.

The Guaranteed Over 50 Plan is the nation’s favourite over 50s life cover5and can help you protect your loved ones with a cash payout when you’re gone. Whether it’s to help towards your funeral or to leave a legacy behind for those closest to you, the plan could help you put some plans in place.

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

Why choose the SunLife guaranteed over 50 plan

  • It's the UK's most trusted plan
  • Guaranteed acceptance - for all UK residents aged 50-85
  • No medical or questions about your health - even if you smoke
  • They guarantee to pay 100% of claims
  • Entry into the annual £50,000 Big Cash Draw (excluding residents of NI)
  • FREE gift when you take out a SunLife plan
  • FREE Funeral Benefit Option
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Things to consider

  • The Guaranteed Over 50 Plan gives you full cover after one year. And if you pass away before then, SunLife will pay out everything you’ve paid in.
  • The plan also 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

Compare Over 50 life insurance plans with free gifts

How to get a Sunlife over 50 plan quote

Getting a Sunlife over 50 quote is easy and takes less than 60 seconds. Premiums start from £3.70 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, click on the red quote button and enter a few personal details.

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Updated 2nd November 2020 by Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

Ashley Shepherd
Small print

1. Most Trusted/Nation’s Favourite - More people trust us with their over 50s life cover than any other provider. SunLife has 60.7% market share of all whole of life guaranteed acceptance plans bought directly. Source: ABI statistics issued in October 2019 for 12-month period to 30 June 2019 based on new Phoenix Life policy sales trading as SunLife. 2. Gift sent after 6 months’ premiums paid. We reserve the right to withdraw this offer at any time. Terms and conditions apply. 3. Big Cash Draw entry is open to Guaranteed Over 50 Plan policyholders within England, Scotland and Wales, who confirm their details with SunLife. Residents of Northern Ireland cannot enter the draw). Full terms and conditions via 4. 100% claims are paid in accordance to Terms & Conditions.

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