For most people, a solution can usually be achieved by using a Care

   Fees Annuity, to cover the shortfall between their income and the care

   fees required. This has a number of valuable advantages:

• Peace of mind, that the benefit is guaranteed to be payable for life helping you to meet rising care costs, indefinitely.

• Because the benefit is paid directly to a registered Care Provider

           this will be completely tax free and will not affect any allowances

           you may be receiving.

• Options can be included, to offset future increases in care fees.

• The premium is calculated on the personal details of your health,            rather than just based on a general rate for your age group. For           people who need help with the ‘Activities of Daily Living’ this will           generally mean that a lower premium would apply to the care fees annuity, compared to an annuity for a person in full health.

• Where the total assets and capital exceed the Inheritance Tax (IHT)

          limit, making a payment to a Care Fees Annuity will immediately                    reduce the level of assets liable to IHT, leading to a potentially                    significant saving in Tax.

A Care Fees Annuity is not suitable for everyone.To determine whether a

Care Fees Annuity is suitable for you, we research the market for the most competitive costs and then prepare a financial plan outlining our recommendations. The work we undertake in providing you with the

financial plan is FREE, and without any obligation on your part.

Only once you have decided that our recommendation best suits your needs,

will we then go on to establish the Care Fees Annuity, at which time our costs  are then usually met by the commission payment from the Insurance Company issuing the Care Fees Annuity

Please note that as the Care Fees Annuity involves a single premium payment  to the Insurance Provider, this will reduce the amount left in your estate.

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