SunLife

Founded in 1810, SunLife is a specialised over 50s insurance provider based in Bristol. It has been part of the Phoenix Group since 2016.

SunLife provides life insurance and funeral plans, as well as car, home and pet insurance.

Each year it produces a 'Cost of Dying' report which tells readers the cost of funerals in the UK according to their research.

SunLife
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Life insurance

Over 50s life insurance

SunLife

Guaranteed Over 50 Plan with Premium cap

4 stars
Age when premiums stop i Unique to the Insurance holder based on age
Cover for accidental death in waiting period i 100%
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i £125 gift card
Minimum age i 49
Maximum age i 85
Cover for non-accidental death in waiting period (% of premiums paid) i 100%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 180 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i £250
Funeral benefit option provider i Dignity

SunLife

Guaranteed Over 50 Plan

2 stars
Age when premiums stop i Death
Cover for accidental death in waiting period i 100%
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i £125 gift card
Minimum age i 49
Maximum age i 85
Cover for non-accidental death in waiting period (% of premiums paid) i 100%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 180 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i £250
Funeral benefit option provider i Dignity