• The Because life goes on Plan

  • Life Insurance

    Have you thought how your family would cope with the cost of everyday life if you die? With SunLife Family Life Insurance provided by Scottish Friendly you can provide some financial security at a difficult time. It’s one thing less to worry about. Applying is easy – you can get a life insurance quote in just 60 seconds.

     
  • Why choose Family Life Insurance?

    • Fixed premiums starting from an affordable £5 a month
    • Cover from 10 to 40 years – you choose how long
    • You can apply if you’re aged 18-59
    • Get a quick quote in 60 seconds
  • family-life-insurance-mum-holding-boy-sun-life

    Why have life insurance?

    We understand that parents are busy, so it’s no wonder that looking into life cover falls to the bottom of the never ending list of things to do. However, have you thought how your loved ones would cope financially if the worst happened to you? If you or your partner died, your family’s lives would be turned upside down. But in time, when things have settled down, their lives will go on – which is no doubt what you would want.

    That’s why life cover is important. SunLife Family Life Insurance pays out a lump sum which could help your family to pay for the essentials in life and allow the fun things like football or ballet lessons and going out for weekend treats to carry on.

  • The importance of life insurance

    About this policy

  • What is Family Life Insurance?

    It’s fixed term life insurance. This means it provides life cover for a set number of years called the term, chosen by you and pays a cash sum if you die within that time. The policy could pay up to £500,000 depending on your age – imagine how much that could help if the worst happened to you. When you choose your level of cover just be aware that inflation will reduce the value of the cash sum over time. You can choose how long you are covered, from 10-40 years, as long as the term ends before your 70th birthday. If you’re aged between 18 and 59, and you’re resident in the UK, you can get a life insurance quote in seconds and apply right away. So why not put some financial security in place for your family today?

  • Affordable cover in minutes

    Starting at just £5 a month, it’s surprising how affordable this life cover can be. You just need to make sure you keep paying your premiums throughout the term, as if you stop, your cover will end and you won’t get anything back. For extra reassurance you can choose optional Critical Illness Cover. This pays out 25% of the cover if you’re diagnosed with some cancers or suffer a heart attack or stroke. Plus, your family will still receive the remaining 75% if you die during the rest of the term. For example, if you were covered for £100,000 and made a successful claim for Critical Illness the plan would pay out £25,000 on diagnosis and if you were then to die at any time within your chosen term the remaining amount of £75,000 would be paid. See the Key Features and Terms and Conditions for details of what is and is not covered under Critical Illness Cover.

    You can also choose joint cover, where two people are covered by a single policy. The plan will pay out the full cash sum when the first person dies during the term, and the plan will then end.

    There’s no medical, you simply answer some health and lifestyle questions and you’ll get an instant decision. Applying is that easy. Any questions? Give us a call on 0800 904 7691 (lines open Monday - Friday 8am-8pm and Saturday - Sunday 10am-4pm).

  • I pay just £7.82 a month for £100,000 of life cover

    Example based on 32 year old non smoker on a 10 year term accepted at standard rates.

  • Get a quote and support Winston’s Wish

    For everybody who gets a Family Life Insurance quote, we’ll donate £1 to Winston’s Wish, who help children rebuild their lives after the death of a parent or sibling. Learn more about Winston’s Wish

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  • This website contains information on how Family Life Insurance 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 www.unbiased.co.uk 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 policy, you can call us on 0800 904 7691 (lines open Monday - Friday 8am-8pm and Saturday - Sunday 10am-4pm).

  • family-life-insurance-love-2-shop-gift-sunlife

    A gift to welcome you

    As a thank you for taking out a life insurance policy with us, we’ll also give you £20 of Love2Shop vouchers, so you can treat yourself.

    More about your welcome gift

  • Some examples of how life insurance could help

  • family-life-insurance-sarah-case-study-sunlife

    Sarah and David

    Learn how life insurance helped Sarah and her family after the loss of her husband David.

  • family-life-insurance-dan-case-study-sunlife

    Dan and Natalie

    Learn how life insurance helped Dan and his family after the loss of his wife Natalie.

  • family-life-insurance-julie-case-study-sunlife

    Mike and Julie

    Learn how critical illness cover helped Mike and Julie when Julie was diagnosed with breast cancer.

  • Why choose SunLife

    We know that for some people, buying life insurance can seem complicated and confusing. That’s why we’ve teamed up with Scottish Friendly to develop Family Life Insurance. Simply answer some health and lifestyle questions and you’ll get an instant decision, so you can get on with life.

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    Life insurance explained

    In this article, we explain the different types of life insurance

  • About this policy

    Watch the SunLife team talk you through Family Life Insurance

  • LifeInsurance_home_50x50

    10 reasons to take out life insurance

    Read about the things you should consider when choosing life insurance.

  • Frequently asked questions

    • When is the best time to take out a life insurance plan?

      If you’ve decided that you need life insurance then the sooner the better. You may be healthy now but you never know what’s around the corner. As you get older life cover can get more expensive and if you suffer ill health you may not be accepted.

    • Is this plan right for me?

      If you’re aged 18–59 and looking for life insurance that provides a cash sum for your family if you die within a fixed term, Family Life Insurance may be right for you. You can be covered for up to £500,000 if you are aged 18-50 or up to £250,000 if you are aged 51-59. You can choose how long your cover lasts, from 10 to 40 years, as long as your plan ends before your 70th birthday, and you can choose how much you pay, starting from £5 a month.

       

    • Will I need to have a medical examination?

      No. When you apply for Family Life Insurance there’s no medical and there’s no need to contact your doctor. You simply answer some health and lifestyle questions, and you’ll get an instant decision.

    • What is the optional Critical Illness Cover?

      For an increased premium this extra cover protects you if you are diagnosed with some cancers or suffer a heart attack or stroke. See the Terms and Conditions for details of what is and is not covered under Critical Illness Cover. If this happens, 25% of your overall cash sum will be paid at the time and the rest if you die within your chosen term. For example, if you were covered for £100,000 and made a successful claim for Critical Illness, the plan would pay out £25,000 on diagnosis and if you were then to die at any time within your chosen term the remaining amount of £75,000 would be paid.

    • Can I take out a Family Life Insurance plan with my partner?

      Yes. You and your partner can take out a joint Family Life Insurance plan. It’s worth thinking it through carefully though, as a joint policy only pays out the full cash sum once.

       

    • When does my life cover start?

      You could be covered in just a few minutes from now. As soon as you’re accepted for Family Life Insurance your cover starts. So you can enjoy peace of mind, knowing your loved ones are protected from that moment until the end of your chosen term.

    • Who are Scottish Friendly?

      We’ve carefully selected Scottish Friendly Assurance Society Ltd to provide SunLife Family Life Insurance. They are a mutual company with 150 years’ experience in providing financial products.

    • What happens if I change my mind about the plan?

      You have 30 days from the day you receive your policy documents to cancel your Family Life Insurance plan and get a refund. After that, you can cancel at any time in writing. Remember, if you do cancel or stop paying premiums for any reason, your life cover will end and you won’t get anything back.

    • What happens when my plan’s term ends?

      You stop paying premiums, your life cover ends and you won’t get anything back.

    • Will my cash sum be subject to inheritance tax?

      The amount paid on your death will normally form part of your estate so may be subject to inheritance tax, unless you write the policy subject to an appropriate trust. Any amount paid out in relation to a critical Illness will currently not be subject to inheritance tax at the time of payment but may be subject to inheritance tax on your death.

    • How will the Family Life Insurance plan be affected by the Scottish Independence referendum?

      Scottish Friendly has a solid track record over 150 years of being able to adapt and change with speed and efficiency, so irrespective of the result of the referendum in 2014, they will continue to serve all their customers throughout the United Kingdom with the same commitment to high levels of service and efficiency.

    Important information

    The information you have been provided does not contain advice regarding whether Family Life Insurance is suitable for you. Therefore it's very important that you read and understand the Key Features and Terms and Conditions of Family Life Insurance and the SunLife Key Facts about our services before deciding whether to apply.

    Please print and/or save these documents and keep them for future reference. If you do not have access to Adobe Reader, you can download the software by clicking the following link.

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    View the Key Features and Terms and Conditions of Family Life Insurance (PDF 0.73MB)

    View the SunLife Key Facts about our services (PDF 0.62MB)