SunLife life insurance review 2026
A look at SunLife’s Guaranteed Over 50 Plan, with its included benefits, claims record and independent ratings.
- Trustpilot
- 4.8 / 5
- 27,717 reviews · whole company
- Defaqto
- 5 out of 5 stars
- Guaranteed Over 50 Plan
- Claims paid
- 100%
- SunLife’s own statement, end of Jan 2026
- Entry age
- 49–85
- Guaranteed acceptance
In a nutshell
A UK brand that traces its roots to 1810 and sells guaranteed-acceptance over 50s life insurance, provided by Phoenix Life Limited. It scores 4.8 out of 5 with customers on both Trustpilot and Feefo.
- The Guaranteed Over 50 Plan is whole of life cover for UK residents aged 49 to 85, with guaranteed acceptance and no medical questions.
- Cover starts at £500 and is capped at £18,000 across all your SunLife guaranteed-acceptance plans. Premiums start from £4 a month, depending on your age and smoker status, and never increase.
- In the first year, only an accidental death pays the full cash sum. For a death from other causes in that time, the premiums paid are refunded.
- SunLife scores 4.8 out of 5 on both Trustpilot and Feefo, and Defaqto gives the Guaranteed Over 50 Plan 5 stars for over 50s life assurance.
- SunLife says it pays 100% of claims in line with the terms, and that 98% were paid within 3 working days of it receiving the paperwork in the 12 months to December 2025.
- If you start a new Guaranteed Over 50 Plan, SunLife sends you a £135 gift card within 30 days after 6 monthly payments. The offer ends on 16 December 2026 and SunLife can withdraw it at any time.
Who are SunLife?
SunLife says it offers over 50 life insurance, funeral cover, equity release and travel insurance, some of them through partner companies. It traces its history back to 28 March 1810, when the Sun Fire Office launched a separate company offering life assurance, the Sun Life Assurance Society. Today SunLife is part of Standard Life, which describes itself as a retirement specialist.
- Insurer (Guaranteed Over 50 Plan)
- Phoenix Life Limited (trades as SunLife)
- Insurer FCA / PRA reference
- 110418
- Distributor
- SunLife Limited
- Distributor FCA reference
- 769427
- Registered in England and Wales
- No. 05460862 (SunLife Limited)
- Registered office
- 10 Brindleyplace, Birmingham, B1 2JB
- Bristol office
- Redcliff Quay, 120 Redcliff Street, Bristol, BS1 6HU
- Group
- Standard Life plc (formerly Phoenix Group Holdings plc)
- Chief executive
- Mark Screeton (April 2026)
- Plans sold (SunLife figure)
- Over 2.4 million Guaranteed Over 50 Plans
SunLife says that in 1900 it became the first UK company to offer life insurance without a medical, and that it introduced its first over 50s life cover plan in 1979. According to Wikipedia, the head office moved to Bristol in 1976–1977, and Axa bought the rest of the company in May 2000, renaming it Axa Sun Life Direct and then, in 2009, Sun Life Direct. In 2016 Phoenix Group bought AXA Wealth’s pensions and protection business, including SunLife. Wikipedia puts the value of that deal at £375 million.
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1810
The Sun Fire Office launches the Sun Life Assurance Society, with its first office opposite the Bank of England in London
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1900
SunLife becomes the first UK company to offer life insurance without a medical, it says
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1979
SunLife’s first over 50s life cover plan is introduced
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2014
Sun Life Direct becomes SunLife, with a new look and new products
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2016
SunLife joins the Phoenix Group
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2026
Phoenix Group Holdings plc is renamed Standard Life plc, and the Guaranteed Inheritance Plan closes to new applications on 30 June
Two companies sit behind the Guaranteed Over 50 Plan. Phoenix Life Limited, which trades as SunLife, is the insurer that provides it. SunLife Limited, its wholly owned subsidiary, is an insurance intermediary that arranges the plan and is paid commission by the insurer. SunLife’s website terms say that when it arranges an insurance policy, it acts as the insurer’s agent, not yours. Both companies belong to the group headed by Standard Life plc.
SunLife describes itself as a small business, with around 120 people in its Bristol office, while its registered headquarters is in Birmingham. At 31 December 2025, Phoenix Life Limited’s Solvency II own funds were £6,904m, which was £2,132m more than its solvency capital requirement.
Some products on SunLife’s customer pages come from partners. For example, it lists Family Life Insurance and the My Smarter ISA as provided by Scottish Friendly.
Whether it’s the right choice for you depends on the cover you need and the price you’re offered, which is why it’s worth comparing plans before you decide.
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SunLife life insurance ratings and reviews
Here’s how SunLife is rated by customers and by independent product experts. Its Trustpilot and Feefo scores cover SunLife as a whole, not just the Guaranteed Over 50 Plan, and Feefo’s score is a service rating.
| Review site | Rating | What it means |
|---|---|---|
| Trustpilot | 4.8 / 5 · Excellent | Based on 27,717 reviews, 6,234 of them in the last 12 months. 89% of the reviews are 5-star and 3% are 1-star. SunLife invites its customers to leave reviews, and Trustpilot says it has replied to 100% of negative reviews. View on Trustpilot (opens in a new tab) |
| Feefo | 4.8 / 5 · Exceptional | A service rating based on 1,332 ratings over the past year, 97% of them 4 or 5 stars. Feefo shows 32,266 SunLife reviews in total. View on Feefo (opens in a new tab) |
| Smart Money People | 4.39 / 5 · Good | Based on 25 reviews of SunLife life insurance. SunLife hasn’t registered to manage and respond to reviews there. View on Smart Money People (opens in a new tab) |
| Defaqto | 5 stars | Defaqto rates each product from 1 to 5 stars. It gives the Guaranteed Over 50 Plan 5 stars in its over 50s life assurance category. See the rating below. View on Defaqto (opens in a new tab) |
| Fairer Finance | 3 stars | A product rating for the Guaranteed Over 50 Plan, updated 19 August 2026. Fairer Finance shows no customer experience rating for the plan. |
Defaqto rating for the SunLife Guaranteed Over 50 Plan
Defaqto rates each product from 1 to 5 stars. SunLife’s Guaranteed Over 50 Plan has 5 stars in Defaqto’s over 50s life assurance category, and SunLife mentions the rating on its product page.
| Policy | Range | Defaqto rating |
|---|---|---|
| Over 50s life insurance | Guaranteed Over 50 Plan | 5 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Defaqto ratings: defaqto.com (opens in a new tab)
Put together, SunLife scores 4.8 out of 5 with customers on both Trustpilot and Feefo, and Defaqto gives the Guaranteed Over 50 Plan 5 stars, while Fairer Finance gives the same plan a 3-star product rating.
As with any insurer, reviews tend to focus on service moments such as buying a policy, claims and customer support, so it’s worth reading a selection of recent reviews as well as the headline score.
What does SunLife life insurance cover?
SunLife’s Guaranteed Over 50 Plan is whole of life cover, so it doesn’t end after a set number of years. After the first year, it pays a fixed cash sum when you die, as long as you keep up the premiums.
Each plan covers one person. SunLife doesn’t offer joint policies, but a partner can take out a plan in their own name.
The cash sum is fixed, from a minimum of £500, and the most commonly chosen payout is £5,000. SunLife says the plan is for people who want to leave a cash sum when they die, which could help pay towards:
- Funeral expenses
- Outstanding debts
- A legacy
SunLife points out that over 50s life insurance doesn’t guarantee to cover the full cost of a funeral, but can help towards it. Its own figure for the average cost of a simple attended funeral in the UK is £3,828.
For the first year, the full cash sum is only paid for an accidental death. If you die from any other cause in that time, the premiums you’ve paid are refunded instead. And because the cash sum is fixed, inflation will reduce its value over time.
SunLife life insurance policy options
SunLife sells the Guaranteed Over 50 Plan, a whole of life policy provided by Phoenix Life Limited with guaranteed acceptance for UK residents aged 49 to 85. You can get a quote and apply online, SunLife has a phone line for new enquiries, and existing plans can have a free Funeral Benefit Option added.
A second whole of life plan, the Guaranteed Inheritance Plan, closed to new applications on 30 June 2026. SunLife’s page for customers making changes also lists SunLife Insurance and Easycover (both term life insurance) and 50 plus protector (over 50 life insurance) among the products it provides, without saying whether they are still sold.
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Guaranteed Over 50 PlanWhole of life cover with guaranteed acceptance, no medical questions and a monthly premium that never rises.
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Funeral Benefit OptionA free add-on for existing plans. If your funeral is arranged by Co-op Funeralcare, your loved ones get 10% off its services and the payout goes to the funeral director.
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Guaranteed Inheritance PlanWhole of life cover underwritten by iptiQ, now closed to new applications.
Guaranteed Over 50 Plan
The Guaranteed Over 50 Plan is a guaranteed-acceptance whole of life policy. If you live in the UK and are aged 49 to 85 when it starts, you’re guaranteed to be accepted. There are no medical questions, and SunLife doesn’t ask for access to your medical records. For the plan, the UK means England, Scotland, Wales and Northern Ireland, not the Channel Islands or the Isle of Man.
Premiums start from £4 a month, depending on your age and whether you smoke, and SunLife guarantees never to increase them. The minimum cover is £500. The total cover across all your SunLife guaranteed-acceptance plans with Phoenix Life Limited must be £18,000 or less, and your total premiums no more than £100 a month.
Premiums stop at the policy anniversary on or after your 95th birthday, and your cover continues until you die. If you stop paying before then, the cover ends and you get nothing back.
Existing customers can take out another plan to increase their payout, within the same overall limits.
Funeral Benefit Option
The Funeral Benefit Option is a free benefit you can add to an existing Guaranteed Over 50 Plan by calling 0800 904 7655. SunLife has teamed up with Co-op Funeralcare to provide it, and it only applies if your funeral is organised by Co-op Funeralcare. Your loved ones then get 10% off Co-op Funeralcare services, and the plan’s cash payout goes directly to the Co-op funeral director towards the cost of the funeral. If the funeral costs less than the payout, the rest goes to your estate. If a different funeral provider is used, the option is removed and the payout goes to your estate.
The discount doesn’t cover additional fees or third-party products and services such as minister fees, flowers or memorial items, and the option doesn’t guarantee to cover the cost of the funeral.
You can’t add it if you already have a funeral plan or Funeral Benefit Option with SunLife or another provider, and Co-op Funeralcare doesn’t operate in Northern Ireland. While it’s in place, the plan can’t be put in trust. You can remove it at any time at no cost. SunLife receives a referral fee from Co-op Funeralcare when the option and the payout are used for a Co-op Funeralcare funeral.
Guaranteed Inheritance Plan (closed)
The Guaranteed Inheritance Plan closed to new applications on 30 June 2026. It was underwritten by iptiQ Life S.A. UK Branch rather than Phoenix Life. It had an application form, so unlike with the Guaranteed Over 50 Plan, acceptance wasn’t guaranteed. It was for UK residents aged 49 to 75, with cover from £5,000 to £50,000.
Existing customers don’t need to do anything: their plans continue under the terms agreed when they took them out. Claims and queries go to 0800 086 8937, Monday to Friday 8am to 5pm, excluding UK public holidays.
SunLife Guaranteed Over 50 Plan at a glance
The key limits of the plan. Your fixed premium is based on your age at the start, whether you smoke and the cash sum.
| Limit | Guaranteed Over 50 Plan |
|---|---|
| Age when you apply | 49–85 |
| Medical questions | None |
| Minimum cover | £500 |
| Maximum cover | £18,000 across all SunLife guaranteed-acceptance plans |
| Premiums | From £4 a month, fixed |
| Maximum premiums | £100 a month across all SunLife guaranteed-acceptance plans |
| First year | Premiums refunded, or the full cash sum for an accidental death |
| Premiums stop | Policy anniversary on or after your 95th birthday |
| Cash-in value | None |
| Joint policies | No |
| Insurer | Phoenix Life Limited |
From the Guaranteed Over 50 Plan terms and conditions (S-G050T12.25.V3) and SunLife’s product page, checked 25 September 2026.
What affects the cost of SunLife life insurance?
There are no medical questions. The terms say your fixed monthly premium is based on:
- Your age when the plan starts
- Whether you smoke
- The cash sum paid out when you die
Premiums start from £4 a month, depending on your age and smoker status, and SunLife says its over 50s cover could cost anything from £4 to £74 a month. You pay monthly by Direct Debit, and SunLife guarantees never to increase the premium.
As a guide, SunLife says a non-smoker paying £20 a month could get a payout of £5,694 if they started at 50, £4,470 at 60, £2,776 at 70 and £1,442 at 80. These figures are for new customers and were correct as at October 2025.
Depending on how long you live, you could pay in more than the cash sum. In SunLife’s £20-a-month example, a 65-year-old with a £3,647 payout would have paid in more than that after 183 monthly payments, about 15 years and 3 months. For an 80-year-old with a £1,442 payout, it takes 73 payments, about 6 years and 1 month.
You don’t pay SunLife Limited a fee for arranging the plan: it receives commission from the insurer, as a percentage of the total annual premium.
Comparing plans from several providers is the simplest way to see what’s available for your circumstances.
SunLife life insurance benefits & extras
The Guaranteed Over 50 Plan includes Accidental Death Benefit and interest on claims. The Health and Wellbeing Service and the Funeral Benefit Option are free extras:
| Benefit | What it does | Available with |
|---|---|---|
| Accidental Death Benefit | Pays the full cash sum if you die in the first year solely as a result of an accident, and within 90 days of it. It doesn’t apply to deaths caused by things such as your involvement in a criminal act, hazardous pursuits or war, self-inflicted injury, alcohol or drug abuse, or illness. | Available with: The first year of the plan |
| Health and Wellbeing Service | Free, unlimited support from RedArc, with the same registered Personal Nurse by phone or email, for any long-term physical or mental illness, even if it hasn’t been diagnosed. It also helps with bereavement and healthy living, can arrange a second medical opinion, and can organise counselling or therapy free of charge, subject to clinical assessment. Your partner and any children living with you can use it too. You contact RedArc directly on 0800 904 7612 (Monday to Friday, 9am to 5pm) or at referrals@redarc.co.uk. It’s a support service only, and primary care stays with the NHS or your consultant. It isn’t part of the plan’s terms and may be changed or withdrawn at any time. | Available with: Plans bought since 27 December 2024 |
| Funeral Benefit Option | 10% off Co-op Funeralcare services, with the plan’s payout paid directly to the Co-op funeral director. It isn’t available if you already have a funeral plan, and Co-op Funeralcare doesn’t operate in Northern Ireland. | Available with: Existing Guaranteed Over 50 Plans |
| Interest on claims | Interest is added to the cash sum from the date of death until payment, at 0.5% a year below the Bank of England Base Rate, with a minimum of 0.5% a year. | Available with: Guaranteed Over 50 Plan claims |
SunLife over 50s life insurance
SunLife’s Guaranteed Over 50 Plan is an over 50s plan: guaranteed-acceptance whole of life cover for UK residents aged 49 to 85, with no medical questions. SunLife says it introduced its first over 50s plan in 1979, that over 2.4 million Guaranteed Over 50 Plans have been sold, and that it had over 828,000 Guaranteed Over 50 Plan policyholders as of 20 February 2026.
You can get a quote and apply online, or call SunLife’s over 50 life insurance line on 0800 904 7674 (Monday to Friday 8am to 6pm, Saturday 9am to 4pm, closed Sunday). SunLife doesn’t give advice, so you need to be satisfied the plan meets your needs. It points people who want advice to unbiased.co.uk.
- Age when you apply
- 49–85
- Medical questions
- None
- Cover
- From £500, up to £18,000 in total
- Premiums
- From £4 a month, never increase
- First year
- Premiums refunded, unless the death is accidental
- Premiums stop
- Policy anniversary on or after your 95th birthday
- Cash-in value
- None
- Insurer
- Phoenix Life Limited (trades as SunLife)
The terms point out that inflation will reduce the value of the fixed cash sum over time, and that depending on how long you live, the premiums you pay could add up to more than the cash sum.
Compare other insurers’ over 50s plans in our guides to over 50s life insurance, guaranteed life insurance and over 60s life insurance.
Writing a SunLife policy in trust
SunLife’s guide to putting life insurance in trust says all forms of life insurance can be written in trust, including its Guaranteed Over 50 Plan. The plan’s terms say that, unless it is written in an appropriate trust, the payout will normally form part of your estate and may be subject to inheritance tax.
The guide says the process normally begins when you take the policy out, with your provider referring you to someone who can put it in trust. Neither SunLife Limited nor Phoenix Life Limited gives personal recommendations.
A plan can’t be put in trust while it has a Funeral Benefit Option.
Read how trusts work, and what other insurers offer, in our guide to life insurance in trust.
SunLife free gift offer
Note: Free gifts are offered by select brokers only, our life insurance brokers do not offer free gifts.
New Guaranteed Over 50 Plan customers get a £135 gift card to spend in shops such as M&S, Argos and Boots. It’s sent within 30 days after 6 monthly payments, and the offer ends on 16 December 2026.
The card comes with Love2Shop’s terms: it can’t be used online or by mail order, only in the UK and the Channel Islands, and it expires on the date printed on it. The balance isn’t protected by the FSCS but is held on trust.
SunLife can withdraw the offer at any time or limit the number of gifts for each customer. It may ask for proof of identity before sending a gift, and can refuse one to anyone who has held and cancelled a SunLife policy before.
Offer terms checked 25 September 2026.
See other insurers’ offers and their conditions in our guides to life insurance with a free gift and over 50 life insurance with a free gift.
Does SunLife pay out?
SunLife’s verification page gives these claims figures for the Guaranteed Over 50 Plan. They are SunLife’s own statements:
- Claims paid in line with the terms, SunLife says (as at end of January 2026)
- 100%
- Claims paid within 3 working days of receiving the paperwork, 12 months to December 2025
- 98%
Source: SunLife’s verification of product claims page.
The 100% figure is SunLife’s guarantee to pay claims in line with the terms and conditions. That matters here because, for a death in the first year from anything other than an accident, the terms refund the premiums paid rather than paying the cash sum.
There are no medical questions, but the terms let SunLife adjust your cover if information on your application, such as your age or smoking status, is wrong.
How to make a SunLife life insurance claim
A Guaranteed Over 50 Plan claim can be made by phone on 0800 008 6060 (Monday to Friday, 8am to 8pm), online with SunLife’s claim form, or in writing to SunLife, PO Box 1395, Peterborough, PE2 2TR.
On the phone, the person making the claim needs to confirm the death has been registered and the death certificate received, give the certificate’s entry number and registration district, and confirm the death happened on the UK mainland.
For a claim by post, SunLife needs the name of the person claiming, the policyholder’s name and date of birth, the original death certificate, the account number and sort code for the payment, and a copy of any will. Once it has everything, the payment is made by direct credit, with interest added from the date of death.
If the plan has a Funeral Benefit Option, contact Dignity, Co-op Funeralcare or Golden Charter directly, depending on the provider. Guaranteed Inheritance Plan claims go to 0800 086 8937.
- Claims phone
- 0800 008 6060
- Opening hours
- Mon–Fri, 8am–8pm
- Calling from abroad
- +44 (0)1733 793344
- Post
- SunLife, PO Box 1395, Peterborough, PE2 2TR
- Guaranteed Inheritance Plan
- 0800 086 8937 (Mon–Fri, 8am–5pm)
Key policy terms
A few terms that are worth knowing before you apply. Always check the terms and conditions for the exact plan you’re offered.
| Term | Guaranteed Over 50 Plan |
|---|---|
| Cooling-off period | 30 days from receiving your policy documents, with a refund of any premiums paid |
| First year | Premiums refunded for a death from anything other than an accident |
| Accidental death | Full cash sum in the first year, if death results solely from an accident and happens within 90 days of it |
| Medical exam | None. Acceptance is guaranteed for UK residents aged 49 to 85 |
| Missed payments | 30 days to pay, then a reminder and 14 more days. After that the plan is cancelled, but you can restart it within 6 months of the first unpaid premium by paying all the missed premiums |
| Cash-in value | None. Cancel after the cooling-off period and you get nothing back |
| Premiums stop | At the policy anniversary on or after your 95th birthday. Cover continues |
| Reducing your premium | Possible once, after the first premium, and it also reduces the cash sum. It can’t be reversed |
| Write in trust | Yes, but not while a Funeral Benefit Option is in place |
| Complaints | Call 0800 008 6060 or write to SunLife, PO Box 1395, Peterborough PE2 2TR. The FCA register lists complaints@sunlife.co.uk for SunLife Limited. Complaints Phoenix Life Limited can’t settle can go to the Financial Ombudsman Service |
| FSCS protection | Phoenix Life Limited is a member. If it couldn’t pay, your personal representative could claim 100% of the cash sum from the FSCS |
Is SunLife life insurance good?
If you live in the UK, are aged 49 to 85 and want to leave a fixed cash sum without answering medical questions, SunLife’s Guaranteed Over 50 Plan is designed for that. Defaqto rates it 5 stars, SunLife scores 4.8 out of 5 on both Trustpilot and Feefo, and SunLife says it pays 100% of claims in line with the terms.
The trade-offs come with this kind of cover. Cover is limited to £18,000 across all your SunLife guaranteed-acceptance plans. Only an accidental death pays the cash sum in the first year, there’s no cash-in value, and depending on how long you live you could pay in more than your family gets back. There are no joint policies, and Fairer Finance gives the plan 3 stars, lower than Defaqto’s rating.
Guaranteed-acceptance cover is only one option, so it’s worth comparing it with other over 50s plans and, if your health allows, with life insurance that asks medical questions.
Pros
- Guaranteed acceptance for UK residents aged 49–85, with no medical questions
- Premiums are fixed and SunLife guarantees never to increase them
- Rated 5 stars by Defaqto for over 50s life assurance
- Rated 4.8 out of 5 on both Trustpilot and Feefo
- Full cash sum for an accidental death from the start
- Free extras: nurse support from RedArc and the Funeral Benefit Option
- Premiums stop at the policy anniversary on or after your 95th birthday, and the cover continues
- A plan cancelled for missed payments can be restarted within 6 months
Cons
- Maximum cover of £18,000 across all SunLife guaranteed-acceptance plans
- Only an accidental death pays the cash sum in the first year
- No cash-in value: stop paying and you get nothing back
- You could pay in more than the cash sum
- The fixed cash sum loses value to inflation over time
- No joint policies
- A 3-star product rating from Fairer Finance
- The wellbeing service isn’t part of the plan’s terms and can be withdrawn
SunLife life insurance policy documents
Before you take out a plan, it’s worth reading the terms and conditions for the exact product you’re offered. These documents on SunLife’s website are a good place to start:
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Guaranteed Over 50 Plan terms and conditions (opens in a new tab)
The policy summary and full terms, including eligibility, the first-year rules, missed payments and how to claim.
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Funeral Benefit Option terms and conditions (opens in a new tab)
How the Co-op Funeralcare Funeral Benefit Option and its discount work, and when it can’t be used.
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Guaranteed Inheritance Plan policy summary and conditions (opens in a new tab)
For existing customers of the closed plan underwritten by iptiQ Life S.A. UK Branch.
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Love2Shop gift card terms and conditions (opens in a new tab)
The terms of the gift card sent with the welcome gift offer.
Documents are published by SunLife and open on its website. SunLife may update them, and the version you receive with your plan is the one that applies.
SunLife life insurance FAQs
You can take out the Guaranteed Over 50 Plan if you live in the UK and are aged 49 to 85 when it starts. Premiums stop at the policy anniversary on or after your 95th birthday, and the cover continues until you die.
The Guaranteed Over 50 Plan is provided by Phoenix Life Limited, which trades as SunLife. SunLife Limited arranges the plan as an insurance intermediary and is paid commission by the insurer. Both companies are part of the group headed by Standard Life plc, formerly Phoenix Group Holdings plc.
SunLife says it pays 100% of Guaranteed Over 50 Plan claims in line with the terms and conditions (as at the end of January 2026), and that 98% of claims were paid within 3 working days of it receiving the paperwork it needed, in the 12 months to December 2025.
Keep in mind that for a death from causes other than an accident in the first year, the plan refunds the premiums paid rather than paying the cash sum.
When you apply for cover you will be asked questions about your health and lifestyle, and based on this and the amount of cover requested, the insurer will decide if a medical is required or not.
SunLife’s Guaranteed Over 50 Plan is different: UK residents aged 49 to 85 are guaranteed to be accepted, with no medical questions, and SunLife doesn’t ask for access to your medical records.
With the Guaranteed Over 50 Plan, if you die in the first year from anything other than an accident, all the premiums paid are refunded. If you die solely as a result of an accident in that year, and within 90 days of it, the full cash sum is paid.
You can cancel a Guaranteed Over 50 Plan within 30 days of receiving your policy documents and get back any premiums you’ve paid. You can cancel at any time after that, but the plan has no cash-in value, so your cover stops and you won’t get anything back.
No. SunLife doesn’t offer joint policies, but your partner can take out a plan in their own name.
Yes. SunLife’s trust guide says all forms of life insurance can be written in trust, including the Guaranteed Over 50 Plan. The plan’s terms say that without an appropriate trust, the payout will normally form part of your estate and may be subject to inheritance tax. A plan can’t be put in trust while it has a Funeral Benefit Option.
Yes. New Guaranteed Over 50 Plan customers get a £135 gift card to spend in shops such as M&S, Argos and Boots, sent within 30 days after 6 monthly payments. The offer ends on 16 December 2026, and SunLife can withdraw it at any time.
For a Guaranteed Over 50 Plan, call 0800 008 6060 (Monday to Friday, 8am to 8pm), use SunLife’s online claim form, or write to SunLife, PO Box 1395, Peterborough, PE2 2TR. For a claim by post, send the name of the person claiming, the policyholder’s name and date of birth, the original death certificate, the bank details for the payment and a copy of any will. Guaranteed Inheritance Plan claims go to 0800 086 8937.
Sources
The facts on this page come from these sources.
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