Provides your loved ones with a cash pay out if you pass away during the policy term.
Life insurance with no medical questions that guarantees a cash pay out to your loved ones.
Helps to replace a percentage of your income if you’re unable to work due to illness or injury.
By: Matt Taylor
Protection Expert
8 min read
'Excellent'
Rated 4.8 out of 5
based on
103,685
reviews
In this review, we explore the key features, benefits and drawbacks of the SunLife guaranteed over 50 plan to help you decide if it’s the right option for you.
We also include reviews and ratings from trustworthy sources, such as Feefo, to give you a better understanding of what customers think of SunLife’s product and service.
Read on to learn more about their over 50s life insurance and how it compares to other options you can buy on the market.
The SunLife guaranteed over 50 plan is a straightforward whole of life insurance policy designed for UK residents aged 49 - 85.
It pays out a cash lump sum to your loved ones when you pass away, helping them to cover essential costs, such as:
You pay a monthly premium that suits your budget and you could secure up to £18,000 depending on your age and smoking status.
Below are the key features of the SunLife over 50 plan and some important details to know:
Feature | Description |
|---|---|
Guaranteed acceptance | If you’re a UK resident aged 49 to 85, you’re guaranteed to be accepted for cover |
No medical questions | Unlike traditional life insurance, the application doesn’t include any medical questions |
Fixed pay out (sum assured) up to £18,000 | The minimum sum assured is £500 and the maximum is £18,000. Your age, smoking status and budget will affect how much cover you can take out |
12 month waiting period before full cover starts | Accidental death is fully covered as soon as you take out the policy, while natural death is fully covered after a 12 month waiting period |
Monthly premium to suit your budget | The cost ranges from £5 to £74 a month depending on your personal circumstances. Your premiums will never go up |
Premium payments stop age 95 | You’ll need to keep paying premiums until you pass away or the policy anniversary date after your 95th birthday (whichever comes first) |
Like other providers, SunLife offer additional benefits and incentives for new over 50 plan customers. These include:
Free health and wellbeing service
Customers who purchase a plan after 27/12/24 receive unlimited access to health and wellbeing services provided by RedArc¶.
This includes:
Please note, this benefit can be changed or withdrawn at any time by SunLife.
Free welcome gift (£130 Love2Shop gift card)
New customers who buy an over 50 plan directly from SunLife may be eligible for a free £130 Love2Shop gift card, which can be used at various high street retailers including M&S, Boots and Argos.
The gift card is sent within 30 days after six monthly payments have been made. The offer is currently due to end on 18/08/26, and terms and conditions apply.
Please note, the SunLife over 50 plan welcome gift is not available on policies purchased through Reassured.
SunLife is highly rated by thousands of customers on Feefo and Trustpilot.
They’re also recognised as a Feefo Platinum Trusted Service provider, receiving this award in 2026.
The SunLife over 50 plan is rated 5 out of 5 stars by financial experts at Defaqto, the independent ratings specialist.
Review site | Star rating | Analysis |
|---|---|---|
|
| SunLife is rated ‘exceptional’ overall by customers from over 1,400 reviews (as of 07/26) |
|
| SunLife is rated ‘Excellent’, scoring 4.8 out of 5 stars from over 26,000 reviews |
|
| A 5 star rating from Defaqto indicates that the SunLife over 50 plan offers a comprehensive range of features and benefits |
In 2025, SunLife was named the UK’s ‘Top Over 50s Life Insurance Provider’ in The Telegraph and Statista UK's Top Insurance Companies rankings.
The SunLife over 50 plan costs between £5 and £74 a month through Reassured.
The following details will determine your monthly premium:
Like with other over 50s policies, you can choose a monthly premium that fits in with your budget.
2026 pricing examples
The table below provides some examples of the monthly cost of over 50s life insurance with SunLife vs One Family.
Quotes are for a non-smoker taking out £5,000 of cover.
Age |
|
|
|---|---|---|
50 | £17.41 | £15.00 |
55 | £19.59 | £18.00 |
60 | £21.92 | £20.00 |
65 | £26.59 | £25.00 |
70 | £35.25 | £35.00 |
75 | £48.85 | £51.00 |
80 | £67.70 | £75.00 |
85 | £74.00 | N/A |
For a free, personalised quote without obligation, get in touch with Reassured.
Easily compare the key features and benefits of popular over 50 plans in the table below:
|
|
|
| Post Office |
|---|---|---|---|---|
Age limit | 49 - 85 | 50 - 80 | 50 - 80 | 50 - 80 |
Maximum pay out | £18,000 | £20,000 | £10,000 | £10,000 |
Waiting period (before full cover starts) | 12 months | 24 months | 12 months | 12 months |
Defaqto rating | 5 stars | 5 stars | 5 stars | 4 stars |
Additional policy benefits |
|
|
|
|
SunLife’s guaranteed over 50 plan could be an ideal option for people looking for simple and affordable cover that doesn’t include any medical questions.
However, it’s important to compare the policy with other over 50s plans and alternative types of life insurance to help you make an informed decision.
No matter which option you choose, shopping around can help you find the cheapest possible premium for the cover that you need.
At Reassured, an award-winning broker, we compare policies and prices from top UK insurers, including SunLife, free of charge and without obligation.
Make the most of our award-winning and FCA-regulated service today.
Who are SunLife?
SunLife is a financial services company that focusses on products designed for people over 50.
Founded over 200 years ago, they were the first UK company to offer life insurance without a medical.
They’re now a leading over 50s plan provider and a well-known household name, having partnered with a range of influential celebrities including:
Is SunLife over 50s life insurance worth it?
SunLife over 50s life insurance could be worth considering if you:
If you’re in good health and looking for the cheapest cover, it could be worth also looking at standard whole of life polices or term life insurance.
When will SunLife life insurance pay out?
SunLife typically pay valid claims within three working days once they’ve received the information they need, including the policy details and death certificate.
Can you have more than one SunLife over 50 plan?
Yes, you can take out more than one over 50 plan with SunLife.
However, the total combined monthly premium for all policies can be no more than £100.
Can you have a joint SunLife over 50 plan?
No, it’s not possible to take out a joint SunLife over 50 plan.
How do you make a SunLife over 50 plan claim?
There are several ways to make a claim:
In writing:
SunLife
PO Box 1395
Peterborough
PE2 2TR
United Kingdom
For more information visit the SunLife website or contact Reassured.
¶RedArc is a support service that isn’t regulated by the Financial Conduct Authority. These services aren’t part of the terms and conditions of the SunLife Guaranteed Over 50 Plan and may be amended or withdrawn at any time
All the information in this review is correct as of 08/2026 and could be subject to change at any time
7 min