Sun Life Over 50 Life Insurance – No Medical Or Health Questions

Features of Sun Life Over 50 Life Insurance With No Medical Checks

Sun Life’s Over 50 Life Insurance plan is an easy, affordable way for policyholders to leave a fixed cash sum for family and loved ones or funds to help offset expensive funeral costs.

Better yet, the policyholder’s first month’s premium is free.

• Under this policy, coverage from Sun Life is guaranteed for any resident of the United Kingdom between the ages of 50 and 85.
• Additionally, Sun Life can guarantee this coverage without requiring a medical exam, asking health questions, or requesting information on your family’s medical history.
• Sun Life also offers policyholders affordable premiums that are guaranteed never to increase and coverage guaranteed never to decrease.
• Premiums range from £4 to £74 a month, provided the policy’s cash sum does not exceed £25,000.
• The payout is guaranteed between £500 and £18,000
• The plan has a 12-month qualifying period for death from natural causes. If you die in the first year from non-accidental causes, SunLife refunds the premiums paid. Accidental death can pay the full cash sum in year one if it meets the policy definition.

New policyholders will also receive a welcome gift from Sun Life, including an LED TV, a Kindle, or a Bigger £140 gift card which can be redeemed in top stores like Argos and Boots.

Get Over 50’s Cover Without A Medical – Compare Quotes Below

You may have seen adverts on daytime TV recently featuring Sun Life over 50 life insurance

Many options are available for older individuals seeking life insurance coverage—weeding through all offers can be confusing.

Luckily, SunLife over 50 has developed a comprehensive life insurance plan specifically suited for individuals in their golden years.

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Here, we will discuss the features and benefits of Sun Life’s Over 50 Life Insurance Plan and why this may be the perfect choice for your life insurance needs.

However, it is essential to note that inflation may affect its value, as the cash amount is fixed.

Affordable premiums starting from £4 per month

Premiums can start from £4 a month, so many people fit cover into a tight budget without having to rethink their whole monthly outgoings.

If you want a sanity check, use your normal spending as a reference point.

In our opinion, a premium that feels like a pay-as-you-go SIM top-up or a weekly lottery ticket is often easier to sustain in the long term.

Illustrative monthly premium	What you should check beforehand
£4–£10	Will the likely payout properly cover a basic funeral contribution, or is it only a small bill buffer?
£10–£30	Does the payout cover your priority costs (funeral, urgent bills, short-term debt) without risking you paying in far more than you get out?
£30+	Would standard life insurance or a different product offer a higher payout for similar money if your health allows it?

A Guaranteed Cash Sum Payment from Sun Life Over 50 Life Insurance

This plan provides a guaranteed fixed cash sum that will be paid upon the policyholder’s death, provided they have paid premiums for at least 2 years.

The plan pays a fixed cash sum within the advertised range of £500–£18,000, provided you keep up with payments and meet the qualifying period.

That payout is flexible. Your beneficiaries can use it for funeral costs, to reduce pressure on mortgages, or to clear short-term credit and other debt that would otherwise burden your family at the worst moment.

Premiums must be paid for life, and ceasing payments will void any and all life insurance coverage.

If you want the money to reach a family member quickly, consider how it will be claimed and who will have the paperwork.

Many delays happen because the claimant cannot locate policy details, not because the insurer refuses to pay.

• Keep policy details with your will and tell your executor where they are.
• Make sure your loved ones know the plan has a year-one qualifying period.
• Keep direct debit details stable; missed payments can cancel cover with no cash-in value.

If the policyholder dies within the first two years of owning the policy, Sun Life will honour their premium payments and pay out that amount.

In the case of accidental death, the cash sum will be paid out at any time and even three months after the accident if the policyholder should pass away due to accident injury.

How to Get a Quote and Apply for a Plan

You can get a quote online or call 0800 904 7674 (Mon–Fri 8 am–6 pm, Sat 9 am–4 pm).

If you use our free life cover comparison service, we will include SunLife in the Over 50 comparison and give you a broader range of options. This is often much better and less limiting than going direct.

Their application is designed to be completed in one sitting and is for applicants aged 49–85 who are permanent UK residents.

Before you apply, you have the option to use the over 50s life insurance calculator to choose a cover amount that matches what you want the money to do.

• Payment method: set up monthly payments and keep them stable. Missed payments can cancel the plan, and there is no cash-in value to fall back on.
• Cooling-off period: SunLife’s terms include a 30-day window after you receive your policy documents, where you can cancel and receive a refund of premiums paid.
• If you miss a payment: SunLife’s process includes time to catch up, and the terms describe an option to reinstate the plan within six months by repaying missed premiums, but you should act quickly to avoid a lapse.
• Extra support: policyholders can access a free Health and Wellbeing Service provided by RedArc, with nurse-led support by phone.

If your partner also wants cover, you’ll each need your own policy. Joint policies do not apply.

Funeral Benefit Option through The SunLife Plan Over 50

This plan also offers a Funeral Benefit Option to policyholders.

This option allows the cash sum from the over-50 Life Insurance policy to be paid directly to Golden Charter upon the holder’s death.

As a thank-you for allowing Golden Charter to handle your burial services, they will contribute an additional £250 toward your funeral costs.

This feature of the Over 50 Life Insurance plan is a great option when considering the rising costs of funeral and burial services.

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Sun Life’s Over 50 Life Insurance plan offers many benefits to older individuals seeking life insurance coverage.

Guaranteed acceptance, no medical exam, premiums that will not increase, and coverage that will not decrease, paired with comprehensive Funeral Benefit options and a generous welcome gift from Sun Life, make this policy a great option.

If you need more information on this policy or assistance making sure it is right for you, contact Claybrooke.

You can also consider a funeral plan and use the Sun Life Funeral plan calculator on the official Sun Life over 50 plan website.

Their knowledgeable advisors can help you make the best life insurance decision for you and your family.

Questions and answers for potential SunLife customers in the UK

Further Company Information:

SunLife Limited is authorised and regulated by the Prudential Regulation Authority and Financial Conduct Authority and is entered on the Financial Services Register, registration no. 769427.

Registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom.

Registered in England and Wales, number 05460862.

Part of Phoenix Group, SunLife Limited. Other over 50’s insurers include AXA, Tesco, LV and Asda.

Claybrooke’s Observations:

• You can tailor the level of cover to your personal circumstances and your ability to pay the monthly premium.
• It is straightforward, as it is not a savings or investment product. The claims process is fast to get the guaranteed cash payout.
• Life insurance providers take your cash when you pay monthly premiums and invest it in the stock market and bond market.
• A permanent UK resident can use the lump sum payout to cover funeral costs (like Dignity Funerals Limited), settle unpaid bills and cash for your family’s future.
• You can add a funeral benefit option to separate the benefit amount.
• There is no need for medical questions, smoking status questions, or a medical examination; you are guaranteed to be accepted.
• The life insurance provider may find that the total premiums paid exceed the guaranteed payout.
• They have affordable cover for mental health from a UK team.
• This financial protection can impact your inheritance tax.
• The cover amount buying power with over 50s life insurance cost can be eroded by inflation.
• A UK resident aged between 50 and 80 can be fully covered in minutes.
• The financial security support services will help you with the policy documents and claim form.