• The Because life goes on Plan

  • Life Insurance

    SunLife Insurance can help make sure that your family’s lives can go on, even if you are no longer around. Getting life insurance couldn't be simpler. Premiums start from just £5 a month. You could leave a cash sum for your loved ones of up to £150,000 if you die during the term of the policy, as long as you pay your premiums when due.  There's no medical, so as long as you’re a UK resident aged 18-59 and can answer 'no' to five eligibility questions, you're guaranteed to be accepted. Applying is easy – you can get a life insurance quote in just minutes.

    To get a quote give us a call on 0800 904 7691

     
  • Why choose life insurance from SunLife

    • The policy provides a cash sum for loved ones of up to £150,000
    • We'll accept you if you're aged 18-59 and can answer ‘no’ to five eligibility questions
    • Premiums start from a pocket-friendly £5 a month
    • Cover lasts for a set term, which you can choose to suit your circumstances
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    How our life insurance works

    Getting a life insurance quote to suit you is quick and easy. Simply decide how much you would like to pay each month or how much money you want to leave. Then decide how long you would like to be covered for. With SunLife Insurance, cover can last for 10, 15, 20, 25 or 30 years (which is called the term). You can choose any of these terms, as long as the policy ends by the time you're aged 70.

    Then, depending on the premium and the term you choose, you could be covered for up to £150,000, which would be paid out if you died within the term. This cash sum can then be used where ever it’s needed most – including mortgage payments, unpaid bills and funeral expenses. And if you’re diagnosed with a terminal illness during the term (as long as it’s not in the last 12 months of your policy), we could pay the cash sum early to help you at a difficult time.

    All we ask is that you keep paying your premiums when due because if you don’t, your policy will end and you won’t get anything back. When choosing your cash sum it’s worth bearing in mind that inflation will, over time, reduce the value of the cash sum paid out. Also, as the cash sum paid out on death is paid to your estate, it may be subject to Inheritance Tax.

    There's also no medical, so as long as you can answer 'no' to five eligibility questions (some of which are about your health), you're guaranteed to be accepted.

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    What our life insurance costs

    Premiums for SunLife Insurance start from as little as £5 a month and to help get you started, the first month’s premium is free. We promise that your premiums will never go up, so you’ll always know exactly where you stand. What’s more, if you live to the end of the term and don’t make a claim, even though your cover will have ended we’ll still give you 15% of your premiums back, as long as you have paid all your premiums when due.

    We can’t give you advice about whether this life insurance policy is right for you, so before you take one out, you should make sure you read our important information (including our key features and key facts documents), which includes the information you need about the policy and its risks and benefits. SunLife Insurance is provided by AXA Wealth Ltd, trading as SunLife.

    Applying for life insurance is easy – just give our UK call centre a ring for a quote.

  • This website contains information on how SunLife 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.

  • SunLife Insurance welcome gift vouchers

    A gift to welcome you

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

    More about your welcome gift

  • Why choose SunLife

    We know that for some people, buying life insurance can seem complicated and confusing. That’s why we developed SunLife Insurance. We wanted to offer a life insurance product that was easy to understand and apply for – with just five eligibility  questions and no long forms to fill out. So once your application is done and you’ve been accepted, you and your family can get on with making the most out of life.

    And when it comes to making a claim, we want to provide the best possible service and support when the time comes. Our UK-based staff will do everything they can to make things go as smoothly as possible.

  • LI_40x40

    Life insurance explained

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

  • The importance of life insurance

    Watch our video about the importance of 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

    • What is term life insurance?

      SunLife Insurance is a term life insurance policy. Term life insurance is a type of life insurance which provides cover over a set period of time called the ‘term’. You can choose a fixed term of your choice: 10, 15, 20, 25 or 30 years, as long as it ends by the time you're 70. The policy pays out a cash sum if you die, or if you are diagnosed with a terminal illness, during the term. Terminal illness benefit is not payable if you are diagnosed in the last 12 months of the policy. Please be aware that we won’t pay out the cash sum if the cause of death is suicide which occurs within 12 months of the date the policy started. Instead, we’ll return any premiums paid.

    • How much will life insurance cost me?

      With SunLife Insurance, the monthly premium you pay depends on your age, the cash sum, the term you choose and whether you smoke. Premiums start from just £5 a month and to help get your policy underway, the first premium is free. You should make sure you are able to pay throughout the term because if you were to stop, we would have to cancel your policy (which we really don’t want to do) and you wouldn't get anything back. When choosing your level of cover, please bear in mind that because the cash sum is fixed, over time, inflation will reduce its value.

    • What medical questions will I need to answer?

      To be accepted for SunLife Insurance, you will need to be able to answer ‘no’ to five eligibility questions, including some questions about your health. You can read the full list in our key features document. You will not be asked to take a medical, however in the event of a claim, we may write to your doctor in order to verify the claim. By applying for this policy you consent to AXA Wealth Ltd accessing your medical records if necessary in the event of a claim.

    • Can I cancel the policy?

      You have 30 days from the day you receive your policy documents during which you can cancel your policy and have any premiums you’ve paid refunded in full. After that, you can cancel your policy at any time by writing to us. Remember, if you do cancel, your life cover will end and you wouldn't get anything back. As long as you continue to pay your monthly premiums, your policy can’t be cancelled by us for any reason.

    • What happens if the cash sum is not paid out during the term?

      At the end of the term, if all premiums have been paid and no claim has been made, we will automatically return 15% of the premiums paid to you.

    • What is the terminal illness benefit and when does it apply?

      If you are diagnosed with a terminal illness, and have less than one year to live, we will pay the cash sum early rather than on your death. This benefit doesn’t apply if the diagnosis is made in the final 12 months of the policy. There are more details about terminal illness in our key features document.

    • How do you make a claim?

      Our staff will do everything they can to make claims go as smoothly as possible. Simply call us or write to us and we will help with the rest. There are more details here about how to make a claim.

    • What is inflation and how will it affect my cash sum?

      Ever noticed how your money doesn’t go as far as it used to? That’s probably down to inflation. Inflation is where prices of goods and services increase over time. For example, in 1983 £1 would have bought you 4 pints of milk, but in 2013 £1 will have bought you only 2 pints. When thinking about choosing a cover amount, you should think about how much prices may increase over time and whether the fixed cash sum you choose today will be able to cover the things you would like it to, in the future.

    Important information

    Important information

    To help you understand whether SunLife Insurance is right for you, it's important that you read the key features leaflet which includes all the terms & conditions of the policy, and the key facts about our services and costs leaflet.

    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.

    get-adobe-reader-logo

    Please note that the Adobe website is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and, as it is not operated by AXA Wealth Services Ltd, we cannot be liable for Adobe contents.

    View the key features (PDF 0.41MB)
    View the key facts about our services and costs (PDF 0.16MB)