"If sensible policies are not covered by the age of 30+ at the latest, new customers at 40+ or ​​50+ have to pay more for them," says Sascha Straub, insurance expert at the Bavarian Consumer Center. A special risk calculation applies to seniors. Age is playing an increasingly important role in setting premiums. Many policies therefore need to be scrutinized long before they hit the home stretch for retirement. If you are late, you can only save by comparing. Because: The senior surcharges are not the same for every insurer. What consumers need to pay attention to.