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Lifetime Care Plans

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We can help your clients pay for long term care fees

We offer potential solutions for people who need long term care for a physical disability or mental impairment. Our plans can help to fund care fees for clients who are:

  • currently receiving care or
  • about to receive care.

Our plans can pay for all or part of your client’s on-going care costs. The plans can be taken out by the policyholder themselves, their legal representative or on their behalf by somebody else.

Tools & calculators

Long term care tools

Use our tools

The monthly benefits can be paid tax-free if they are paid to a registered care provider either for care at home or in a residential setting. They can also be indexed to keep pace with the rising cost of care. The benefits can also be made direct to the policyholder, although in this situation they will be taxed in the same way as a purchased life annuity.

Immediate Lifetime Care Plan  Secure Lifetime Care Plan 
  • This plan can take care of costs for clients who are already suffering from a physical or mental disability and are either already receiving or about to receive care.
  • It is an immediate needs annuity.
  • Your client has the option to purchase a premium protection option which will provide a one-off lump sum should your client die within the protected period.
  • This plan can take care of costs for clients who are already suffering from a physical or mental disability and are either already receiving or about to receive care.
  • It is an immediate needs annuity with a deferred period before we pay the benefits.
  • Your client can choose a deferred period of between 1 and 5 years.




We’ve built a set of useful tools to help you in the long term care market:

Lifetime Care comparison tool

Care cost shortfall calculator

Contact us

You can find contact details for each product area in the drop-down list:

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WA05124 02/2019