Get help with the costs of care later in life

Our Lifetime Care plan

A lifetime care plan is a financial cushion in case an illness, condition or disability leaves you needing long-term care later in life. If you’re over 60, you can buy our Lifetime Care plan to help cover the cost of that care. 

When you opt for our Lifetime Care plan, you make a single one-off payment. In return, you’ll receive a monthly payment for the rest of your life. You can choose if you want these payments to start right away or wait for up to 5 years. 

  • Tailored comfort, your way

    You get to decide how your money is used, whether for in-home or care home services.

  • A guarantee for a lifetime

    We’ve got you covered for the long haul. Your care costs are secured for the rest of your life.

  • Tax-savvy care connections

    When your payments go to a registered care provider, they stay UK tax-free.

Tax treatment will depend on your individual circumstances and could change in the future.

Our Lifetime Care options

Understanding long-term care can be a bit tricky sometimes. Take a look at how our two options work and how they could make life smoother for 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. You’ll also have some extra options to choose from, like inflation protection and premium protection, depending on what suits your needs best.

Secured lifetime care

With this option, you can delay the payments by up to 5 years. During that time, you’ll be responsible for your care costs. Afterwards, you’ll start receiving at least £200 a month, which is still tax-free if paid directly to your registered care provider. We take your health into account and might increase the amount before or after the deferral period. This can be a suitable option if you’ve got some money saved that could cover your care expenses for a while, but may fall short if you live longer than expected. You can also pick from different inflation protection options to tailor your plan to your needs.

A closer look at our Lifetime Care plan

What our Lifetime Care plan offers:

  • Freedom of choice
    You can use the money for a care home or in-home care, so you’re covered no matter what your circumstances are
  • Regular payments
    Your money will be paid every month to help with the ongoing cost of your care
  • Lifelong security
    Our payments will help towards the cost of your care for the rest of your life
  • Tax-efficient
    There is no UK tax to pay on payments made to a UK registered care provider
  • Easy payment options
    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

Things to keep in mind, if you take out our Lifetime Care plan:

  • The cost of your care may be more than the payments we make. This means you might need to cover the difference
  • The cost of care services may rise faster than the payments from the plan. If that happens, you may need to cover the difference yourself
  • The total payments we’ve made by the time of your death might end up less than what you initially paid to purchase the plan
  • The payments from the plan could impact some means-tested benefits. A financial adviser will be able to dive into the details with you
  • Tax treatment will depend on your individual circumstances and could change in the future.

What are the costs of care?

There’s no fixed price for a lifetime care plan. Your quote will take into account a number of factors. Things like your medical information, the level of protection you choose and how long you wait before payments start, all affect how much you pay.

Covering the cost of your care

Besides a lifetime care plan, there are other routes you can explore to help with care costs:

State-sponsored care

You may be able to get financial help from the government. Being able to get this depends on your unique care needs, as well as how much money and assets you have. You can find out more on

Take steps towards a reassured tomorrow

Your first step is to speak to a financial adviser, who’ll walk you through your options, break down our plans and help you buy one if you decide to – all based on your individual needs. 

To find an adviser, explore the Society of Later Life Advisers to find a specialist in your local area.

Find an adviser

If you’d like support with your pension or retirement, our financial advice team can help.

Explore advice

Help and support

If you have any questions regarding our Lifetime Care plan, please contact your financial adviser or call:

  • Call us

    0345 777 7543

    • Monday to Friday: 8:30am - 5:30pm
  • Write to us

    Aviva Centre,

    PO Box 582,


    BS99 5SN

To keep both of us safe, calls to and from Aviva may be recorded and listened to and will be saved for a minimum of 5 years. Calls to 03 numbers from UK landlines and mobiles are charged at national call rates (charges can vary depending on your network provider) and are usually included in inclusive minute plans.

Exploring your retirement options

We've got a bunch of retirement options that could be right for you. Check out the links below to dive into the detail.

Flexible income

Income drawdown puts you in control by letting you withdraw as much of your pension as you like - whenever you want.

Pension annuity

Know exactly how much money you’ll get with our annuity that gives you a guaranteed income for the rest of your life.

Equity release

If you're thinking about unlocking a cash lump sum from your home, our lifetime mortgage could help. You can even safeguard a percentage of your home's value to pass to your loved ones, although this will reduce the amount you are able to borrow.