What we offer

We offer two different Lifetime Care plans to help cover the cost of long term care.

Both of the plans are ‘immediate needs annuities’, which in exchange for a lump sum, pay a guaranteed monthly benefit to people who require long term care because of a physical or mental impairment.

These may be suitable if a person is either already receiving or about to receive 'paid-for' care.

It is important to remember that neither of the plans have a cash in value. Benefit payments might not keep up with the increasing cost of care.

Immediate Lifetime Care

This plan pays benefits immediately and aims to pay part or all of the costs of the person's care during their remaining lifetime.

Pays out a tax free monthly benefit to a registered care provider. The benefit can be paid direct but may be taxable.

Secured Lifetime Care

This plan may be an option for someone who wants to limit their own liability.

The plan starts paying out benefits after a deferred period of up to five years. During this initial period, the plan holder is responsible for making all of their own care payments.

Additional support

In addition to the guaranteed benefits we pay, all Lifetime Care customers have ongoing access to an experienced and compassionate team of dedicated Care Counsellors for the rest of their lives.

Whether you need information on choosing a care provider, emotional support for your family or just a bit of help with filling in a couple of forms, our Care Support Service is just a phone call away.

How to buy one of our Lifetime Care plans

Our Lifetime Care policies can be arranged through a financial adviser. You cannot buy them directly from us.

Getting advice

Choosing how to pay for your long term care is a big decision. An independent adviser – especially one who specialises in long term care funding – can help you explore all of your options and choose the one that’s best for you. If you don’t have an adviser, you can find a specialist later life adviser local to you at http://societyoflaterlifeadvisers.co.uk/

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