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The triple lock was introduced by David Cameron's 2010 coalition government and has proved a reliable way of wooing the grey vote for every administration since.

Oh, and there is also the power of the grey vote.

The answer lies, one suspects, in the grey vote.

Hugh Nolan, president of the Society of Pension Professionals, said: "Pensioners have been the main beneficiaries of political tinkering with pensions and benefits recently, reflecting the power of the grey vote over unregistered youngsters."

But Saga's communications director Paul Green said: "The notion that older voters are selfish is just plain wrong. In fact, the grey vote is more community spirited and less self-centred than younger voters."