SunLife Over 50 Plan review

Updated 3rd May 2022
  • The UK’s most trusted plan
  • Free welcome £100 Gift Card
  • Entry into the £10,000 Big Cash Draw every other month (excl residents of NI)
  • Starts from £3.70 a month

Read our SunLife Over 50 life insurance 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 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 the SunLife guaranteed over 50 plan

  • It's the UK's most trusted plan
  • UK residents aged 50-85 are guaranteed to be accepted
  • No medical
  • Sunlife guarantees to pay 100% of claims
  • You will be entered into the £10,000 Big Cash Draw every other month (excluding residents of NI)
  • FREE £100 gift card when you take out a SunLife plan
  • FREE Funeral Benefit Option
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Free Funeral Benefit Option

SunLife over 50 life insurance 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.

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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.

Compare Over 50 life insurance with free gifts

How to get a Sunlife Over 50 Plan quote

Getting a Sunlife Over 50 Plan 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.

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Updated 16th March 2022 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.UK’s Most Trusted/Nation’s favourite – source: Association of British Insurers statistics. 2. Gift card sent after 6 months’ premiums paid. Terms and conditions at 3. SunLife £10,000 Big Cash Draw entry is open to Guaranteed Over 50 Plan Policyholders in England, Scotland & Wales, who confirm their details with SunLife. Residents of Northern Ireland cannot enter the draw. The draw entry close dates in 2022 are 5th May, 5th July, 5th Sept, 5th Nov, and in 2023 the 5th Jan. The final close date is 5th March 2023. Full T&Cs via Opt in when you take out your plan to be entered into all remaining draws until end of the promotion. 4. Guaranteed acceptance for UK residents ages 50-85. 5. Further information at 6. Terms and Conditions apply.

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