Please note: For advisers only, not for use with customers. If you're a customer please go to our customer site.

Lifetime Care

Friends Life offers a range of solutions for people needing long term care. The following plans are specifically designed to help those who already need care fund their care fees. They can also help protect their assets from unlimited erosion by capitalising the ongoing cost of care.

The monthly long term care 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 paid direct to the policy holder although under those circumstances they will be taxed in the same way as a purchased life annuity.


Immediate Lifetime Care Plan

This is a plan to take care of costs for your clients who are already suffering from physical or mental disability and are either already receiving or about to receive care. Purchased with a single premium that can be protected, to some extent, in the event of early death.

Secured Lifetime Care Plan

Similar to the Immediate Lifetime Care Plan, this is an Immediate Needs Annuity that has a deferred period before benefits are paid out. The client can choose a deferred period of between 1 and 5 years and premiums can be either single or paid annually during the deferred period.


We have built a set of useful tools to help you in the long term care market. These include a set of suitability paragraphs, a comparison tool to show the impact on the client's capital using investments and immediate needs annuities to fund long term care costs together with a shortfall calculator.

Useful links

Click on the links below to use our quote and application options.


To download documents and literature, please visit our document library.