SunLife Over 50 Plan Review

The SunLife Over 50 Plan is the UK’s best-known over-50s life insurance policy. Open to anyone aged 49 to 85, it offers guaranteed acceptance with no health questions, a fixed monthly premium, and a guaranteed cash payout when you die. For many, it’s a simple way to leave something behind for family or help pay towards funeral costs. But while it’s popular, it’s important to understand how it works and the pros and cons of this type of policy.

Over 50s life insurance is designed for people aged 50 to 80 who want to leave a guaranteed cash sum when they die. As long as you keep up with your monthly premiums, the policy pays out a lump sum to your chosen beneficiaries. This money can help with funeral costs, settle outstanding bills, or simply provide a financial gift.

By Clare Townhill • Updated 1st April 2026
Disclaimer: Prices and ratings correct at time of writing.

SunLife’s Guaranteed Over 50 Plan review

• The UK’s most trusted over 50s plan and has a Defaqto 5 Star rating

• UK residents aged 49-85 are guaranteed to be accepted

• Take out a plan by 30th June, and you’ll get our biggest £140 gift card.

• You will be covered for life, but your payments stop after the policy anniversary following your 95th birthday

The SunLife Plan

The SunLife Guaranteed Over 50 Plan is the UK’s most trusted over 50s life insurance plan. With roots stretching back over 200 years, SunLife were the first company to offer over 50 life insurance without a medical.

The Guaranteed Over 50 Plan can help you protect your loved ones by providing them with a cash payout when you die. The money can be used however your family choose, perhaps to help with funeral costs, pay off outstanding debts or as a treat for everyone to enjoy.

SunLife promises that your monthly payments will never go up and your cash sum will never go down. Plus, they’re a Platinum Trusted Service Provider with the independent review company Feefo and are highly rated by customers on Trustpilot with an excellent 4.8 rating.

Why choose SunLife’s Guaranteed Over 50 Plan

It's the UK's most trusted over 50 life insurance plan and has a Defaqto 5 Star rating
UK residents aged 49-85 are guaranteed to be accepted
No medical questions to answer
SunLife guarantees to pay 100% of claims
Take out a plan by 30th June, and you’ll get our biggest £140 gift card.
You’ll be covered for life, but your payments stop after the policy anniversary following your 95th birthday

**Get a SunLife Guaranteed Over 50 Plan quote in 60 seconds**

Can you have more than one Guaranteed Over 50 Plan?

You can have more than one SunLife Guaranteed Over 50 Plan however your total monthly premiums are limited to £100 and the maximum level of cover is no more than £18,000. So, you can have as many plans as you like, as long as you don’t exceed these limitations.

Things to consider

The Guaranteed Over 50 Plan gives you full cover after one year. If you pass away before then, SunLife will pay out everything you’ve paid in.
The plan includes accidental death benefit - so SunLife will pay the full cash sum if you die as the result of an accident, even if you’ve had your plan for less than one year.
Premiums are payable for your lifetime or until the policy anniversary after your 95th birthday. Your cover continues for life. If you stop paying premiums earlier, your insurance will end and you won’t get anything back.
Depending on how long you live, you could pay more in premiums than the cash sum paid out.
You need to ensure you keep up with your monthly payments or your insurance will end and you won’t get anything back.
Because the cash sum is fixed, inflation will reduce its buying power over time.
Over 50s insurance plans do not guarantee to meet the full cost of a funeral.
Please ensure you understand and are happy with the terms and conditions before taking out a plan.
The maximum cover level is £18,000.
The SunLife Guaranteed Over 50 Plan is provided by Phoenix Life Limited.

Sunlife Guaranteed Over 50 Plan reviews by their customers

The SunLife Guaranteed Over 50 Plan service has been rated highly by customers on two leading independent review sites - Feefo and Trustpilot.

Feefo shows a rating of 4.8 for the SunLife plan which is classed as excellent. Trustpilot also shows an excellent rating of 4.8.

How to get a SunLife Guaranteed Over 50 Plan quote

Getting a SunLife Guaranteed Over 50 Plan quote is easy and takes less than 60 seconds. Cover starts from £4 a month (availability depends on your age and smoker status) and the service is completely free.

To see how much cash your loved ones could get, just click on the "Get a quote" buttons or the Sunlife adverts on this page to go the Sunlife website.

**Get a SunLife Guaranteed Over 50 Plan quote in 60 seconds**

Our offer

Getting a SunLife Over 50 Plan quote is easy and takes less than 60 seconds. Premiums start from £4 a month and you get a free £140 welcome gift card.

Ready to get an Over 50 life insurance quote?

Comparing over 50 life insurance quotes is an important part of finding the right over fifty plan that suits your needs and your budget.

So if you’re ready to compare quotes, simply click on one of the over 50 life insurance calculators in our comparison table.

Compare Quotes

1. UK’s Most Trusted/Nation’s favourite – source: Swiss Re Term and Health Watch Report 2025.

2. Gift card - Biggest in relation to value of standard gift card offered. Sent within 30 days after 6 monthly payments. We reserve the right to withdraw this offer at any time. Go to sunlife.co.uk/gift for T&Cs.

3. Guaranteed acceptance for UK residents ages 49-85.

4. Insurance type – this is whole of life insurance, a payout is guaranteed when you die. Premiums cease to be due on the policy anniversary on or after your 95th birthday.

5. £4 premium – availability depends on your age and smoker status.

6. Further information at sunlife.co.uk/verify.

7. Terms and Conditions apply.