Affordable life insurance in minutes
SunLife Family Life Insurance provided by Scottish Friendly is affordable and straightforward life insurance. It provides life cover for a set number of years chosen by you and guarantees to pay out a set amount of money to your loved ones, if you died during that time.
It only takes a few minutes to apply online and if you're accepted, your cover will be in place straight away.
Family Life Insurance is open to all UK residents aged 18 – 59. There’s no need for a medical - your personal quote will be based on your answers to some health and lifestyle questions. It only takes a few minutes to apply online and get an instant decision.
Your monthly premium and the cash sum are fixed from day one, so you’ll always know where you stand. However this does mean that over time, inflation will reduce how much the cash sum will buy in the future.
It’s important to keep paying your premiums every month throughout the term, as if you stop, your cover will end and you won’t get anything back.
Winston’s Wish is the leading childhood bereavement charity in the UK. It offers the widest range of practical support and guidance on bereavement to children, their families and professionals.
Professional, therapeutic help is provided in individual, group and residential settings, and via a national Helpline (08452 030405), interactive website (www.winstonswish.org.uk) and publications.
Winston’s Wish depends almost entirely on voluntary donations for its income and is the only specialist provider of support for children bereaved through murder, manslaughter, suicide or the military.
Independent research and the charity’s 21 years’ experience shows that:
Your gift will be sent to you around one month from the day you pay your first premium. If you take out a policy, you are entitled to one gift only issued from SunLife. We reserve the right to change or withdraw this gift entitlement, or limit the total number of gifts issued per customer. We also reserve the right to not issue a gift to any customer who has previously held a SunLife policy and has subsequently cancelled that policy. Sometimes, the gift you choose may not be available. If this happens, we’ll offer you something else.
I pay just £6.71 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.
Dan and Natalie:
Read how life insurance helped Dan and his family after the loss of his wife Natalie.
Sarah and David:
Read how life insurance helped Sarah and her family after the loss of her husband David.
Mike and Julie:
Read how critical illness cover helped Mike and Julie when Julie was diagnosed with breast cancer.
Critical Illness Cover pays out 25% of the cash sum if you’re diagnosed with some cancers, or suffer a heart attack or stroke.
Learn more about Critical Illness Cover
Joint cover covers two people on a single policy. You can have joint Family Life Insurance with optional Critical Illness cover.
Learn more about Joint Life Cover
For everyone who gets a quote for Family Life Insurance we’ll donate £1 to Winston’s Wish - a charity dedicated to helping children rebuild their lives after the death of a parent or sibling. Learn more about Winston’s Wish
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
Critical Illness Cover pays out 25% of the cash sum if you're diagnosed with some cancers, or suffer a heart attack or stroke.
If you then died during the rest of the term, your family would receive the remaining 75% of the cash sum.
Here's how a successful Critical Illness Cover claim would pay out:
You can also choose joint life cover with Critical Illness Cover. 25% of the cash sum is paid out if one of you is diagnosed during the term. Then, if either one of you dies during the rest of the term, the remaining 75% of the cash sum is paid out.
Key Features and Terms and Conditions
for exactly what is and is not covered under Critical Illness Cover.
The following example^ demonstrates how Family Life Insurance with Critical Illness Cover might benefit you.
Mike and Julie
As a busy working mum with three boys under 10, Julie was always rushing around - going from a part-time job to the school run, playing taxi for the kids' afterschool clubs, managing a never-ending household to-do list and still finding time for family and friends.
When she and her husband Mike were given a rare weekend away alone as a gift from his parents, they had a long talk about their finances and Mike suggested Julie take out life insurance. The couple knew the huge difference she made to family life and so Julie decided to go a bit further and add Critical Illness Cover.
It was a terrible shock a few years later when Julie discovered a lump and was diagnosed with breast cancer. It was a tough time for everyone but the money paid out by their critical illness policy helped in several ways.
It meant she could afford to get a taxi backwards and forwards to her chemo sessions and get some help with cleaning. Then, when she eventually had to go in for surgery, Mike was able to pay for a child minder who covered the school runs and gave the boys dinner before he got home from work.
^ These stories are for illustrative purposes only to demonstrate how Family Life Insurance could benefit you.
Joint Family Life Insurance allows two people to be covered on one life insurance policy. The full cash sum can be paid out once during the term and this is when the first person dies. The policy would then end.
If you choose joint Family Life Insurance with Critical Illness Cover, 25% of the cash sum will be paid out if one of you is diagnosed with some cancers, or suffer a heart attack or stroke, during the term. Then, if either one of you dies during the rest of the term, the remaining 75% of the cash sum would be paid out.
The following example^ demonstrates how having joint Family Life Insurance might benefit you.
Sarah and David
When Sarah and David's youngest daughter Ella turned 13, it really hit home that they now had three growing teenagers on their hands and plenty of financial demands. Their older son Ben was about to start driving lessons, middle son Jack enjoyed an active social life and youngest Ella was into her books and after school clubs.
So Sarah and David had a proper look at their finances and, talked about how they'd manage if something happened to one of them and decided to take out joint life insurance.
Tragically, just three years later, David was involved in a car accident and, shortly after being taken into intensive care, he lost his fight for life. Sarah was devastated and, with three teenagers to bring up, she struggled to see how she would cope. It was some help that their life insurance policy meant Sarah received over £100,000, which really helped everyday life to go on at an incredibly painful time.
Now, with the help of friends and family, the couple's children still enjoy all of the things they loved when dad was alive - going to music festivals with friends, getting the coolest trainers and visiting their grandparents in Spain. Their youngest daughter Ella is studying for her GCSEs and is planning to do her A' Levels next. They have so much to live for - and Sarah is sure David would be proud of how they are making the best of life, although they miss him so much every day.
Dan and Natalie were together for 10 years before they decided to tie the knot - they'd been so busy buying their first home and starting a family that life cover was never a priority. But their changing situation made the couple pause for thought, and they started thinking about how the family would cope if anything happened to either of them.
Dan was already covered through a 'death in service' policy at work, but Natalie was mainly a stay-at-home mum and worked a few hours in a local pub, so she didn't have a policy through work. A single life insurance plan seemed like a sensible idea for her and they both felt much better once the policy was in place.
We never know what's around the corner and just five years into their marriage, one frosty winter's day, Dan received the heart-breaking news that Natalie had slipped, been knocked unconscious and had fallen into a coma. After just a few short days, Natalie sadly died, leaving Dan to look after their two children - Adam, seven, and Sophie, five.
During the difficult weeks and months that followed, Natalie's life insurance payout of £250,000 ensured that Dan was able to maintain the children's routine of after-school activities, and provide a little everyday stability. Although nothing could replace their mum, this financial buffer meant Dan didn't have to worry about meeting their everyday costs. It allowed family life to slowly settle into a new routine, helping to ease the financial burden and allow life to go on.
This story is for illustrative purposes only to demonstrate how Family Life Insurance could benefit you.
For some people, buying life insurance may seem complicated and confusing, but it doesn’t have to be. At SunLife we believe in making things more affordable and easy to understand. That’s why we’ve teamed up with Scottish Friendly to develop Family Life Insurance - fixed term life insurance that’s straightforward and affordable. It’s what we like to call - "Straightfordable".
In this article, we explain the different types of life insurance
Watch the SunLife team talk you through Family Life Insurance
Learn about the most common reasons people take out life insurance.
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)
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.
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.
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.
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 theremaining amount of £75,000 would be paid.
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.
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.
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.
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.
You stop paying premiums, your life cover ends and you won’t get anything back.
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.
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.
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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)