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  • Over 50s Life Insurance

  • The Guaranteed Over 50 Plan

  • Why choose the Guaranteed Over 50 Plan for your life insurance?

    The Guaranteed Over 50 Plan is a simple and affordable way to leave a fixed cash sum on death for your loved ones, or help pay towards funeral costs. Premiums are from as little as £4 a month - that’s the lowest premium available on the market for life cover plans of this type. The Guaranteed Over 50 Plan is provided by AXA Wealth Ltd, trading as Sun Life Direct and is the UKs No 1 choice^ for Over 50s Life Insurance.

    Its simple to apply, with no medical or health questions. You can get a quote today in less than 60 seconds. 

    Read on to find out how the Guaranteed Over 50 Plan works.

    We guarantee to accept you, no questions asked.

    If you’re aged 50 – 85 and a UK resident, we guarantee to accept you. We won’t ask you any questions about your health, or your family’s medical history.

    Affordable premiums that won’t go up

    You can choose any premium from £4 to £74 a month, as long as the cash sum doesn't exceed £25,000. Plus, your first month’s premium is FREE and we promise never to increase your premiums or reduce your cover, although as the cash sum is fixed, inflation will reduce its value over time.

    A guaranteed cash sum to help towards funeral costs

    The Plan provides a guaranteed fixed cash sum that will be paid out on your death as long as you’ve been paying into it for two years. You just need to keep paying your premiums for life, as if you stop paying your cover will end and you won’t get anything back. You should also be aware that depending on how long you live, you could pay in more than the cash sum paid out.

    If you die in the first 2 years, we will still pay out all the premiums paid, plus half as much again. If you were to die in an accident during the first two years of your Plan, or within three months of an accident as a result of your injuries, we’d pay out the full cash sum. See the Terms and Conditions for full details.

    A gift to welcome you to the Plan

    You can choose a gift when you take out a Plan. Gifts include an LED TV, Amazon Kindle*, £75 M&S vouchers or £75 Gift Certificate**.

    Receive £250 off your funeral bill

    If you choose our Funeral Benefit Option, the cash sum from your Guaranteed Over 50 Plan would be paid directly to Golden Charter when you die. As a thank you for allowing Golden Charter to conduct your funeral, they'll contribute £250 towards the cost of your funeral, helping your loved ones even more when the time comes. To apply, simply tick the "Funeral Benefit" box during your application. Read more about Golden Charter and the Funeral Benefit Option.

    This website contains information on how the Guaranteed Over 50 Plan works. As the website does not contain advice, you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call us on 0800 904 7674.

    ^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 30th September 2013.

    ^^Source: Average of quotes for standard funeral arrangements from a sample of funeral directors. Mintel Consulting, June 2013.

    *Kindle, Kindle Fire, Amazon, the Amazon Kindle logo, and the Kindle Fire logo are trademarks or registered trademarks of, Inc or its affiliates. Kindle devices are given away by Sun Life Direct. Amazon EU SARL is not a sponsor of this offer.

    ** is not a sponsor of this promotion. Gift Certificates ("GCs") maybe redeemed on the website or affiliated website towards the purchase of eligible products listed in our online catalogue and sold by or any other seller selling through GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. is not responsible if a GC is lost, stolen, destroyed or used without permission. See for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of, Inc. or its affiliates.

    †£4 is the lowest premium on the market for this type of product as at 7/2/14.

    #Sun Life Direct new policyholder customer satisfaction survey, rolling 6 monthly performance figures, October 2012 – March 2013.

    ## Sun Life Direct Research 2012. Respondents were Sun Life Direct customers, but were unaware that Sun Life Direct was conducting the research. When asked to name the financial services company they considered best, more respondents named Sun Life Direct than any other brand.