Compare SAGA Over 50s Life Insurance

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Compare the top UK insurers including SAGA to get the best over 50 life insurance quote.

It is important to compare life insurance quotes from lots of different companies, as some insurance companies are much more expensive than others, for exactly the same life insurance policy. That could cost you £1000's.

We'll find the right life insurance cover for you at the right price in 3 easy steps:

  1. Complete our enquiry form on this page
  2. We search the life insurance market
  3. You receive free quotes without obligation

We compare the leading insurers including:

SAGA Life Insurance

Saga Life Insurance Company is a little different than most life insurance companies because in addition to all the other types of insurances, they offer accidental death benefits.

Saga accidental death benefit is a payment due the beneficiary of an accidental death insurance policy, but is often a rider or clause connected to a life insurance policy. The accidental death is usually an amount paid in addition to the standard benefit policy payable if the insured died of natural causes. Accidental deaths, as defined in accidental death insurance policies, is any death cause strictly due to an accident.

However it typically excludes such things as acts of war, death caused by illegal activities or hazardous hobbies in which the insured regularly engages in our general specifically excluded. Although somewhat morbid, in the case of a fatal accident, death must occur within appearing at times specified in the policy. Accidental death riders or clauses should be considered for those people who work around hazardous materials or hazardous conditions and can be used to beef up the benefits paid to their beneficiaries. These typical clauses end once the insured reaches the age of 70. The benefits of Saga Life Insurance Companies Accidental Death policy include a comprehensive cover with a plan that allows for a £25,000 payout.

Financial protection - under the current legislation, the benefits are free from income tax although subject to inheritance tax - if applicable. Your partner or family could spend the money whichever way they like to help safeguard their future.

No hidden catches - Saga Insurance aims to ensure that its insurance policies are straightforward. Guaranteed acceptance - unlike other plans, no medical exam is required and Saga guarantees acceptance for all customers age 50 to 89.

Sports coverage - Saga Insurance will cover an insurance policy holder against death resulting from any sporting activity except flying other than as a passenger in a license passenger aircraft.

The Saga Insurance Company also offers its customers a wide variety of insurance benefits including home insurance, car insurance, private medical insurance, travel insurance, pet insurance, Caravan insurance, breakdown coverage, motor home insurance, van insurance, boat insurance, holiday insurance and health cash plan.

Over 50 Term Life Insurance

Term life insurance or assurance is the cheapest and simplest form of life insurance. It covers you for a fixed period (known as the "term" which you can choose) and pays out a one off lump sum which you can select, if you die during the policy term.

You can add critical illness cover to some insurance plans, which will pay out on the diagnosis of a qualifying critical illness or if you die during the term of the policy. You are covered for as long as you pay the monthly premiums. If you stop paying the premiums, the policy stops. Premiums depend on a number of factors including the amount of lump sum chosen, the length of term, the applicants age, gender, and if you are a smoker.

There are two popular types of term insurance:

Type One - Level Term Life Insurance - Lump Sum Remains Fixed


Level term life insurance pays out a lump sum on the event of death during the selected term. The lump sum remains constant throughout the period of the life insurance term.

Type Two - Decreasing Term Life Insurance - Covers Mortgage Balance

Decreasing term life insurance which is also known as mortgage life insurance covers you for a set term and pays out a lump sum if you die during the policy term. Unlike level term insurance where the lump sum remains fixed, with this plan the amount of cover decreases over the term of the policy in line with the amount outstanding on a repayment mortgage. Although the lump sum decreases over the term with this type of cover the premiums remain the same.

Over 50's Life Insurance

It's a fact that life insurance cover is harder to come by the older you get. You may think you've left it too late to get affordable life cover - that's where Over 50 Life Cover can help.

We will search the UK life insurance market to find you the best over 50 life cover to suit your circumstances.

Many people aged between 50 - 80 don't have this simple, reassuring protection. Life insurance could be an ideal way to leave some money behind - for your partner, family or friends or perhaps to help towards funeral expenses, or outstanding bills.

Could your family afford to pay for your funeral?

None of us like to think about our funeral but taking the time now could help your family at a very difficult time. Most people underestimate the cost of a funeral and so you may be surprised just how much it can be.

Research has shown that the average cost of a basic funeral in the UK is £2,700 and is on the increase. When selecting life insurance cover it is important to make allowances for the increase in the cost of living as the amount you select now will not be worth as much in the future.

Over 50 Life Cover have helped 1000's of customers organise their financial affairs. Why not take 2 minutes to complete the short form on this page to see how we can help you!

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