Guaranteed life insurance

Saga Guaranteed Life Insurance pays out a fixed cash lump sum when you die, providing you have held the policy for one year.  

  • Guaranteed acceptance for 50-75 year olds living in the UK
  • No medical questions 
  • Premiums start from £10 a month - the equivalent of 33p a day (based on an average 30 day month)
  • Fixed cover and premiums for life (depending on how long you live you may pay in more than you get back) 
  • If premiums are not paid when due, all cover will cease after 30 days
  • Provided by VitalityLife.

Plus choose our Funeral Benefit Option and receive £250 towards your funeral costs^.  

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Guaranteed Life Insurance

If you are aged between 50 and 75 and live in the UK, you can take out Saga Guaranteed Life Insurance regardless of any existing medical conditions. Please note inflation could reduce the buying power of the cash lump sum you leave behind and the plan has no cash-in value. You may cancel your policy at any time, but you will not receive any money back unless you cancel within 30 days of your policy starting, in which case we will refund any premiums paid.

^By selecting our Funeral Benefit Option, our partner Golden Charter will nominate a local funeral director on your behalf, who will attend to your wishes and as an additional benefit, contribute £250 towards your funeral expenses with them.

*Offer available to new Saga Guaranteed Life Insurance customers who haven’t previously held a policy and may be withdrawn at anytime. Vouchers are sent within 28 days of paying your third premium. In the event that M&S vouchers become unavailable, an alternative of an equal or higher value will be supplied. M&S vouchers subject to separate terms.

Saga Personal Finance is a registered trading name of Acromas Financial Services Limited (‘AFS’), which is authorised and regulated by the Financial Conduct Authority. AFS is registered in England and Wales (registered no. 3023493). Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Saga Guaranteed Life Insurance is underwritten by The Prudential Assurance Company Limited (registered no. 00015454), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and provides and manufactures benefits under the plan. The plan is administered by Vitality Corporate Services Limited (registered no. 05933141), trading as VitalityLife, which is authorised and regulated by the Financial Conduct Authority, and distributes and services the product and issues the documentation. Both companies are registered in England and Wales. Registered office at 3 More London Riverside, London, SE1 2AQ. VitalityLife will introduce customers who select the Funeral Benefit Option to Golden Charter. Golden Charter is a registered provider with The Funeral Planning Authority.