Lifetime Care

Care costs covered for life

Covering the cost of your care

If an illness, condition or disability leaves you needing long-term care later in life, and you are over 60, you could buy one of our Lifetime Care plans with a one-off lump sum to help cover the cost of that care. 


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


Your payments aren’t taxable when paid to a registered care provider, so you could 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. Please note that tax treatment will depend on your individual circumstances and is subject to change in the future.

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, which is tax-free if paid directly to your registered care provider. 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 help towards the cost of your care for the rest of your life
  • Tax-efficient
    If we pay the money to a registered care provider they aren’t taxable, which could save you money
  • 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 be aware of

If you take out one of our Lifetime Care plans

  • The cost of any care services may be more than the payments we make. Therefore, you might need to make up the difference.
  • The cost of care services may rise faster than the payments from the plan. If it does, this may mean you need to make up the difference yourself.
  • The total payments we have made by the time of your death may be less than single premium you have paid to purchase the plan
  • The payments from the plan may impact some means-tested benefits. A financial adviser will be able to tell you more about this
Portrait of an elderly woman

Covering the cost of your 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 on GOV.UK.

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.

Help and support

If you have any questions regarding our Long Term Care Plans, please contact your Financial Adviser or call:

From the UK

0345 777 7543

Monday to Friday: 8:30 - 17:30

For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.

From abroad

0117 989 9000

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.

More options at retirement

We've got a range of retirement options that could be right for you. Follow the links to find out more about how these work, their benefits, risks and costs.

Lifetime Care articles

Take a look at our helpful articles and guides.

Aviva Life & Pensions UK Limited. Registered in England No. 3253947. Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number: 185896.