Guaranteed life insurance

Saga Guaranteed Life Insurance, provided by PruProtect, guarantees to pay out a fixed cash lump sum when you die and starts from just £10 per month (that's equivalent to 33p per day).

  • Guaranteed acceptance for the over 50s, regardless of your health
  • Full payout after just one year
  • Fixed cover and fixed premiums for life (depending on how long you live you may pay in more than you get back) 
  • If payments are not paid when due, all cover will cease

NEW: We've just increased our non-smoker payouts for 50 to 75 year olds^

£50 M&S voucher
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Guaranteed Life Insurance

If you are aged between 50 and 85 and live in the UK, you can take out Saga’s 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. 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.

*£50 M&S voucher offer: Offer available to new Saga Guaranteed Life Insurance customers who haven’t previously held a policy and it may be withdrawn at any time. Vouchers sent within 28 days of receiving your third premium. If you cancel your policy we reserve the right to reclaim the value of the vouchers issued. In the unlikely event that M&S vouchers become unavailable, a suitable substitute of an equal or higher value will be supplied instead. M&S vouchers subject to separate terms and conditions.

^Based on an average increase in payout amount (sum assured) since 25 March 2013, for 50 to 75 year old non smokers, for premiums of £15 and above. Smoker rates will vary.

Saga Personal Finance is a registered trading name of Acromas Financial Services Limited, which is authorised and regulated by the Financial Services Authority. Acromas Financial Services Limited is registered in England and Wales (registered no. 3023493). Registered office: Enbrook Park, Sandgate, Kent CT20 3SE. Saga Guaranteed Life Insurance is underwritten by The Prudential Assurance Company Limited (registered no. 00015454), which provides and manufactures benefits under the plan, and is administered by Prudential Health Services Limited (registered no. 05933141), trading as PruProtect, which distributes and services the product and issues the documentation. Both companies are registered in England and Wales. Registered offices at Laurence Pountney Hill, London EC4R 0HH. Authorised and regulated by the Financial Services Authority. PruProtect will introduce customers who select the Funeral Benefit option to Golden Charter, which is not authorised and regulated by the Financial Services Authority.