Immediate and Deferred Care plans

How much does a care plan cost?

All of our care plans are individually written, and based on the personal circumstances of each client.

This means that the cost of each plan may vary considerably from client to client. For this reason, we strongly recommend that a fully underwritten quote is obtained for every client with a care need.

Please note that the cost of the plan will also depend on any product features you select (see our product features page).

However, in order to provide your client with a broad estimate of the cost of a care plan, we've calculated the average cost of providing an initial income of £20,000 pa at various ages. This has been based on the average health condition of a person entering either a Residential or Nursing care home purchasing our care plan, in which conditions such as dementia, heart disease and stroke commonly feature.

How much will an annual income of £20,000 cost to buy?




Age  Residential Nursing Residential Nursing
75  £107,103 £100,486 £126,196 £117,513
80 £99,144 £91,882 £114,687 £105,434
85  £89,960 £83,225 £101,893 £93,558
90  £74,389 £70,399 £81,813 £77,216
95  £63,014 £56,361 £67,993 £60,467
100 £57,881 £56,982 £61,949 £60,836

Rates correct at April 2023

In order to obtain a fully underwritten quote, please click here to go to our dedicated page.