Sunlife Over 50 Plan Review

  • SunLife over 50 plan review 2026
  • UK's most recognised over 50s brand
  • Compare SunLife vs other providers
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Sunlife Over 50 Plan Review

Comprehensive 2026 review of SunLife's over 50 plan. As the UK's most recognised over 50s life insurance brand with 200+ years of experience, SunLife was the first insurer to offer life insurance without medical exams. Their guaranteed over 50 plan offers guaranteed acceptance for ages 50-85, no medical exams or health questions required, cover from £2,000-£20,000, fixed monthly premiums that never increase, and payout increase feature (up to 120% after 2 years). SunLife has positive Trustpilot ratings and strong claims record. Compare SunLife vs alternatives through LifePro to ensure best value - prices can vary 20-30% for identical cover.

By: Matt Taylor Project Manager Updated: 2nd January 2026

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Who are SunLife?

SunLife started out more than 200 years ago and were the first ever insurer to offerlife insurance without a medical.

Nowadays, SunLife provide a range of financial services designed for people over 50, including:

SunLife over 50 plan reviews

According to SunLife reviews on Feefo andTrustpilot, customers are satisfied with the product and service offered by SunLife.

Below, we’ve compiled SunLife star ratings from different review sites:

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Review site | Star rating | Analysis

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Life insurance calculator

Use our calculator to easily calculate how much over 50 life insurance you may need. complete the costs that you would like your policy to cover and calculate your ideal payout amount.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Sunlife Over 50 Plan, and find the right level of cover for your needs at the best available price.

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Frequently Asked Questions

Is SunLife over 50 plan any good?

SunLife is the UK's most recognised over 50s life insurance brand with 200+ years of experience. They were the first insurer to offer life insurance without medical exams. SunLife over 50 plan offers: Guaranteed acceptance (ages 50-85), Fixed monthly premiums, Cover £2,000-£20,000, No medical exams or health questions, 24-month payout increase (up to 120% after 2 years). SunLife has positive Trustpilot ratings and is known for straightforward, reliable over 50s cover.

How much does SunLife over 50 plan cost?

SunLife over 50s premiums depend on age, smoking status, and cover amount. Example costs: 50-year-old non-smoker, £5,000 cover: £15-22/month, 65-year-old non-smoker, £5,000 cover: £28-38/month, 75-year-old non-smoker, £5,000 cover: £50-65/month. Fixed premiums never increase. Compare SunLife with other providers through LifePro - prices can vary 20-30% for identical cover.

What is the SunLife over 50s waiting period?

SunLife over 50 plan has a 12-24 month qualifying period depending on the plan: Standard plan: 12-month wait for natural causes (accident: full payout from day 1), After qualifying period: Full payout for any cause. Payout increase feature: Cover increases by 10% each year for first 2 years (up to 120% total). This waiting period is standard for guaranteed acceptance over 50s policies.

Does SunLife over 50s insurance pay out?

Yes - SunLife has a strong claims record and pays out on valid claims. They publish an annual 'Cost of Dying' report showing transparency. Key points: 12-month qualifying period for natural causes, Full payout for accidental death from day 1, After qualifying period: pays out for all causes, Straightforward claims process. SunLife is financially stable (part of AIG group) and has paid millions in claims over 200+ years.

Can I cancel SunLife over 50 life insurance?

Yes - you can cancel SunLife over 50s insurance anytime. Cancellation terms: 30-day cooling off period: Full refund if you cancel, After 30 days: Cancel anytime but no refund of premiums paid, No cash-in value: Over 50s policies don't build cash value. If you stop paying: Policy lapses immediately, no payout. Consider carefully before cancelling - you may not get cover elsewhere at your current age/health.

Should I choose SunLife or compare alternatives?

While SunLife is a trusted brand, comparing alternatives can save money. Pros of SunLife: Brand recognition and trust, 200+ years experience, Straightforward guaranteed acceptance, Payout increase feature. Cons: May be more expensive than competitors, Limited cover (max £20,000), 12-month waiting period. Through LifePro, compare SunLife with: OneFamily, Aviva, Legal & General, LV=, Plus 50+ others. Prices can vary 20-30% for identical cover.

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