Who are SunLife?

SunLife traces its origins back to the early 19th century — over two hundred years of operating in UK financial services — and is widely credited as the first UK insurer to offer life cover without a medical examination.

Today the SunLife name covers a focused range of products aimed at the over-50 market, including:

SunLife over 50 plan reviews

SunLife maintains positive customer-review ratings across the major independent feedback platforms, with reviewers most often citing the simple application process and the certainty of the fixed monthly premium as the main reasons for satisfaction.

Where SunLife sits on the major independent feedback platforms (figures move fortnightly, but the picture has been broadly consistent for several years):

• Feefo — typically scoring in the 4.5–4.7 range out of 5 across tens of thousands of verified service reviews; complaints cluster around premium-vs-payout expectations rather than service.
• Defaqto — SunLife's Guaranteed Over 50 Plan generally holds a mid-range product rating; this is not a customer-feedback score but a structural rating of the contract terms.

Life insurance calculator

Use the cover-amount tool below to work backwards from the costs your family would face — typical UK funeral spend, any outstanding debts, and a buffer for the surviving partner — to a sensible lump-sum figure.

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.