Covering the cost of your care
If an illness, condition or disability leaves you needing long-term care later in life, you could buy one of our Lifetime Care plans with a one-off lump sum to help cover the cost of that care.
Flexibility
In-home or care home, it’s up to you how your money is used
Lifetime guarantee
We’ll cover the cost of your care for the rest of your life
Tax-efficient
Your payments aren’t taxable when paid to a registered care provider, so you’ll save money
When you buy a plan, it will have no cash-in value but will pay a guaranteed monthly benefit for the rest of your life. Our payments can either start straight away or be deferred by up to 5 years.
Our Lifetime Care options
Long-term care can be difficult for you and your family to handle. Take a look at how our 2 plans work and see how they could help you.

Immediate Lifetime Care
The monthly payments for your care will start straight away and be guaranteed for the rest of your life. The minimum you’ll receive is £200 a month, which is tax-free if paid directly to your registered care provider. Choose between 3 inflation protection options, and optional long or short term premium protection, depending on your needs.
Secured Lifetime Care
With this option, you can defer the payments by up to 5 years. Before they start you’ll be responsible for the cost of your care, but then the minimum you’ll receive is £200 a month. We’ll consider your health and potentially increase the amount before or after the deferral period ends. You can also choose between 3 inflation protection options.

What our Lifetime Care plans offer
- Flexibility
You and your loved ones can use the money for care at home or in a residential setting, so you don’t have to worry whatever your circumstances - Regular payments
Your money will be paid monthly to help with the cost of your care
- Lifetime guarantee
Our payments will cover the cost of your care for the rest of your life – guaranteed
- Tax-efficient
If we pay the money to a registered care provider they aren’t taxable, which could save you money - Easy payment options
No need to worry about when or how to pay for your care – we can pay the money to your registered care provider directly
- Rising costs covered
Choose between 3 options that protect your payments from inflation so you can keep up with any rising costs for care
Covering the cost of your care
Critical illness and private medical insurance policies cover acute medical conditions where recovery is expected – but that might be unlikely with long-term care. Besides a Lifetime Care plan, there are 2 ways you and your loved ones can cover the ongoing costs:
State-sponsored care
You may be eligible for financial help from the Government. Qualification for help towards care fees is usually determined by your specific care needs as well as how much money you have and the total value of your assets. Find out more and see if you qualify by reading our article on state-sponsored care.
Self-funded care
If the values of your assets or income are higher than certain limits then you may not be eligible for financial support from your local authority. You’d then have to fund your own care. If you’d like further help, take a look at our list of organisations that offer support and advice.
Our Care Support Service
If you or your loved ones need guidance on any aspect of organising care, we’re here to help. Plus, if you have one of our Lifetime Care plans, you’ll have access to a dedicated support helpline.
- Over-the-phone counselling
- Advice on equipment for independent living
- Information on state benefits, domestic home care, care homes and local support groups
- Information and advice for carers
To speak to one of our team, just give us a call:
From the UK
Monday to Friday: 8:30 - 17:30
From abroad
Monday to Friday: 9:00 - 17:00
By post
Aviva Centre, PO Box 582, Bristol, BS99 5SN
Ready to get started?
Your first step is to speak to a financial adviser, who’ll explain your options, give advice on our plans and help you buy one if you decide to – all based on your individual circumstances.

Financial advice
For advice on Lifetime care, you’ll need to speak to an independent financial adviser – see opposite. If you'd like support with your pension or retirement, our financial advice team can help.

Independent Adviser
If you'd like to explore your options with an independent adviser, you can talk to the Society of Later Life Advisers to find a specialist in your local area.
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