Saga Personal Finance has entered the life insurance market with an over 50s cover plan which is aimed at rewarding those with no underlying health problems.
The provider's guaranteed acceptance 50 plus life cover plan will enable people with no health problems to get up to 15 per cent more cover, a feature it claimed was worth £685. Clients that declare a health issue will still be guaranteed cover and will get a one year no- claims moratorium.
Also, the product features a fixed-premium level selected by customers from £10 to £50 per month payable up to the age of 90 and free after that. There is a 100 per cent premium refund if the client should die during the no-claims moratorium.
Andrew Goodsell, executive chairman of Saga, said: "We believe the over 50s have been poorly served by the life industry in the past, a problem we aim to put right by offering better terms to those who lead healthy lives. We believe our product is unique in this market."




