• Peace of mind from £4 a month

    Win a car or £20000*
  • Over 50 Life Insurance

    The Guaranteed Over 50 Plan is the UK's No 1 choice for over 50 life insurance^. It's a simple and affordable way to leave a fixed cash sum on death for your loved ones. All we ask is that you keep paying your premiums for life, or your Plan will end and you'll get nothing back.

    Premiums are from as little as £4 a month - that's the lowest premium available anywhere in the UK for life cover plans of this type . It's simple to apply and you can get an over 50 life insurance quote today in less than 60 seconds. What's more, to celebrate reaching over 1 million Plans sold, we're giving you the chance to win a Mercedes A180SE or £20,000 in cash if you take out a Guaranteed Over 50 Plan by 31st December 2015*. Terms and conditions apply.

     
  • Why choose the Guaranteed Over 50 Plan?

    • The Plan provides a cash sum for loved ones, on your death after the first two years
    • If you're aged 50-85 we guarantee to accept you, with no medical
    • Premiums start from just £4 a month, the lowest you'll find in the market
    • Life-long cover as long as you pay your premiums for life

    *The prize draw will take place on 15th January 2016 and is open to all customers who take out a new Plan between 1st September and 31st December 2015 and maintain their premium payments until the date of the draw. Residents of Northern Ireland are not eligible for the draw. Please read the full prize draw Terms and Conditions. Entry limited to one per person. Image is for illustration purposes only.  Exact vehicle specification may differ from that shown.

    Full prize draw Terms and Conditions

  • Over 50 life insurance - girls walking in sunflowers

    How does it work?

    It couldn’t be easier to apply. If you’re aged 50 – 85 and a UK resident, you are guaranteed to be accepted. And there are no medical or health questions – we won’t even ask if you smoke. Then a fixed cash sum will be paid on your death, after the first two years. If you die during the first two years of your Plan, we’ll pay out all the premiums paid, plus half as much again unless you were to die in an accident when we’d pay out the full cash sum.

    You’ll just need to be sure you’re happy with your monthly premiums as they are payable for life and if you stop paying your Plan 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.

  • Over 50 life insurance - boy and grandfather outside

    How much does it cost?

    Leaving a cash sum for your family can cost less than you think. Premiums start from just £4 a month - which is the UK’s lowest premium for plans of this type. What’s more, the first month’s premium is FREE. One thing you can be sure of - 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.

    We can’t give you advice about whether this Plan is right for you, so before you take one out, you should make sure you read our terms and conditions, which has all the information you need about the Plan and its risks and benefits. The Guaranteed Over 50 Plan is provided by AXA Wealth Ltd.

    Applying for the Plan is easy - you can get a quote today in less than 60 seconds.

  • Other features of The Guaranteed Over 50 Plan

  • over-50-life-insurance-portal-fbo-sun-life

    FREE funeral benefit option

    Why not add funeral benefit option to your Plan? It doesn't cost anything, in fact you'll receive £250 towards the cost of your funeral.

  • over-50-life-insurance-gifts-white-sunlife

    Choose a welcome gift

    If you decide this Plan is right for you and you take one out, we'll thank you with a welcome gift of your choice.

  • Why choose SunLife

    When it comes to looking after our customers, you don't need to take our word for it. We're the UK's No.1 choice for over 50 life insurance^.  We have over 870,000 policyholders and 97% of our customers are satisfied overall with us - so we must be doing something right.

    Since we started the Guaranteed Over 50 Plan, we've paid out over £580 million in claims. And we make claiming as simple as possible. Once all the paperwork has been received, we pay 98% of claims out in three working days. 

    Applying for our Guaranteed Over 50 Plan is easy too. You can get a quote in less than 60 seconds.

    And don't forget that if you take out a Plan by the 31st December 2015, you'll be entered in to our free prize draw to win a car or £20,000 in cash*.

  • About this plan

    Watch the SunLife team talk you through our Guaranteed Over 50 Plan

  • Funeral calculator icon

    Try our FREE funeral costs calculator

    Over 50 life insurance - funeral calculator

    Use our quick interactive tool to find out the average funeral cost in your area

  • 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 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 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 31/03/2015.

    £4 is the lowest premium on the market for this type of product as at 11th May 2015.

    As at 02/07/2015.

    Source - SunLife new policyholder customer satisfaction survey, rolling 7 monthly performance figures, July 14 - January 15.

  • Frequently asked questions

    • Why should I consider a Guaranteed Over 50 Plan?

      The Guaranteed Over 50 Plan is a simple way to leave a fixed cash sum for your family after you’ve gone, either as a gift or to help towards funeral expenses.

    • How does it work?

      The Guaranteed Over 50 Plan is a whole of life policy - you choose a fixed monthly premium at the start and provided you keep paying them throughout your life, a fixed cash sum will be paid out when you die, after the Plan has been in force for two years.

    • Do I need a medical?

      No. There are no health questions to answer and no medical whatsoever. Provided you’re aged 50 - 85 and a UK resident, you’re guaranteed to be accepted.

    • How much will it cost me?

      You can choose from a range of premiums between £4 and £74 per month (as long as the amount of life cover does not exceed £25,000) and to help get your Plan underway, the first premium is free. As this is a whole of life plan, you need to choose a monthly premium you are confident you'll always be able to pay throughout your life because if you were to stop paying your premiums, we would have to cancel your Plan (which we really don’t want to do) and you wouldn'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.

    • 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 1984 £1 would have bought you 4 pints of milk, but in 2014 £1 will have bought you only 2 pints. When thinking about choosing a cover amount, you should think about how much prices (especially funeral 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.

    • Can I cancel the Plan?

      You have 30 days from the day you receive your policy documents during which you can cancel your Plan and have any premiums paid refunded in full. After that, you can cancel your Plan 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 Plan can’t be cancelled by us for any reason.

    • How do you make a claim?

      Making a claim is a simple, reliable process. Our staff will do everything they can to make claims go as smoothly as possible. When the time comes, all your loved ones will need to do is simply call us or write to us and we will help them with the rest. There are more details about how to make a claim here.

    • What is funeral benefit option?

      If you are planning to use the cash sum from your Guaranteed Over 50 Plan to pay towards your funeral, you could add our FREE funeral benefit option to your Plan. The cash sum from your Guaranteed Over 50 Plan will be paid directly to The Co-operative Funeralcare who will use it to help pay for your funeral. It doesn’t cost you anything extra to add funeral benefit option to your Guaranteed Over 50 Plan, but you do need to make sure you keep paying the premiums for your Plan. What's more, The Co-operative Funeralcare will also pay a £250 Contribution towards the cost of your funeral, helping your loved ones even more. You can only take out funeral benefit option if you haven’t done so already. This includes any over 50s life cover you may have with another provider. Also, if you already have a pre-paid funeral plan with The Co-operative Funeralcare you can’t take up this offer and if you were to take out a funeral plan in the future, your funeral benefit option would be cancelled.

    • Who is The Co-operative Funeralcare?

      If you add the FREE funeral benefit option to your Plan, the funeral services will be provided by The Co-operative Funeralcare. With nearly 80 years' experience and an extensive network of over 1200 Co-operative owned funeral homes* across the UK, you can count on The Co-operative Funeralcare to be on hand to give your loved ones the support they need.

      *Taken from The Co-operative Funeralcare's website 2015

    Terms and conditions

    Terms and conditions for the Guaranteed Over 50 Plan

    Before you decide if the Guaranteed Over 50 Plan is right for you, it's very important you:

    1. Read and understand these terms and conditions including policy summary
    2. Make sure you are eligible for the Plan
    3. Make sure you know what is and isn't covered by the Plan
    4. Keep these terms and conditions including policy summary to refer to in the future
    5. Check these terms and conditions including policy summary from time to time to make sure the Plan is still suitable for you 

    Terms and Conditions of the Guaranteed Over 50 Plan

    If you are interested in adding the Funeral Benefit Option to your Plan, you should also read and understand these terms and conditions

    Terms and Conditions of the Funeral Benefit Option

    Please remember, the information we've given you doesn't contain advice regarding whether the Guaranteed Over 50 Plan, or Funeral Benefit Option are right for you.

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