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National Equity Release Pension Conference

Pre Funded Long Term Care Insurance Products

Due to the ever-increasing costs of providing care for the elderly, many people have taken specialist financial advice surrounding Long Term Care Insurance (LTCI) products. Whilst many of these products are no longer available to new investors it is important to understand how they all work as legacy products are still in existence and could be called upon in the future to help you pay for your care needs.

The types of care plans fall into two categories:

has more or less disappeared from the market, one of the explanations for this is a higher than expected level of claims on the policies, in other words, the underwriters got their calculations wrong. Actuaries would have based the premiums for such policies on anticipated life expectancy and how likely a claim would be for individuals taking into account such things as their current health, medical history, family history and even where in the country they lived. Due to improvements in medical care many, more people can expect to live for longer and therefore the insurance companies would be expected to pay the income to the residential home for far longer than initially expected.

There are two main types of pre-funded care the first of which is a typical insurance policy that would have required the regular payment of premiums and would have provided protection just in case care was required. As with most life insurance policies, this type of protection would not provide a repayment of premiums if not claim were ever made or generate cash in value at any time.

The other type of pre-funded care plan was a combination of a lump sum investment bond with a protection policy. The idea behind this arrangement was for the long term care investment bond to produce the income to pay for the premiums to a care protection plan. The main benefit to this type of plan is that with careful planning some of their assets would be able to pass onto their beneficiaries on death. However, due to falling investment markets, the returns were unlikely to be able to maintain the premiums required on the policy.


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  • Equity Release Plans Online
  • An Easier Retirement
  • Various Equity Release Solutions for Pensioners
  • Discover the bounty that lies beneath equity release
  • A Brief History on the Growth of Equity Release
  • Brighten up your financial portfolio with equity release
  • Why property owners should request an equity release guide
  • Get True Value from your Investment
  • Can I get an online equity release quote?
  • Make your home sparkle today
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  • Evaluate Different Equity Release Plans Before You Invest In Any
  • Equity release tips for the financially savvy
  • Different types of annuity
  • Understanding the Costs of Care for the Elderly in Their Own Home
  • Assessing your ability to pay for Long Term Care
  • Charitable Funding for UK Care Fees
  • How Care Fees Can be Affected by Rules Governing Deprivation of Capital
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  • Can You Reclaim the Cost of Residential Care?
  • The Regulation of Long Term Care Homes
  • Is the Government Finally Going to Change Legislation on Elderly Care?
  • Home loans to help pay for elderly Long Term Care
  • Deadline Looming to Reclaim Entitlement to Care Home Fees
  • Is the Social Care Insurance Scheme the answer to care costs?
  • The Purchase of a Care Plan can Help Protect your Beneficiaries
  • Financial and Elderly Care Assessments
  • How Your Home is Affected by the 12 Week Property Disregard
  • Local Authority View on Deliberate Deprivation of Assets
  • Point of Care Long Term Care Annuities
  • Pre Funded Long Term Care Insurance Products
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  • What are the typical costs for providing Care for the elderly
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  • How Poor Health Can Enhance Your Lifetime Mortgage
  • With the enhanced lifetime mortgage, poor health is your advantage
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  • Questions to Ask Yourself Before Committing to Purchase Your Annuity
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  • The Alternatives to Releasing Equity
  • Advice on Which Equity Release Schemes Have No Early Repayment Charges
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  • Can Interest Only Mortgages Survive the Recent Cull Delivered by the FCA and Mortgage Providers?
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  • Where Can I Find Information on Halifax Retirement Mortgages
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  • Benefits of Using an Online Lifetime Mortgage Calculator
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  • Fresh Competition From Hodge Lifetime in the Interest Only Lifetime Mortgage
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  • How Stonehaven Helps You to Fund the Education of Your Children
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  • Finding the Best Home Reversion Schemes for You
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  • Know More about Equity Release Schemes
  • An Introduction to Stonehaven Equity Release Schemes
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  • Why Prudential Equity Release Remains a Lifetime Mortgage Lender
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  • The Virtues of Using a Lifetime Mortgage Calculator
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  • Two Different Sides to an Equity Release Mortgage
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  • Interest Only Mortgages for Individuals Over 55
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  • Equity Release Mortgage Set Up Costs
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  • A Look at Interest Only Mortgages
  • The pros and cons of an Interest Only Lifetime Mortgage
  • What Options Do I Have to Pay off an Interest Only Mortgage?
  • Interest Only Mortgages Help Us Finance Our Housing Dream
  • Why Arent More People Considering a Pensioner Mortgage?
  • Threat for Pension Mortgage Holders
  • Do Halifax Still Offer Mortgages for People in Retirement
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  • The Difficulties of Obtaining a Mortgage in Retirement
  • Mortgage in Retirement
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  • How to Find a Mortgage for Someone Aged 60 Plus
  • Where Can I Obtain a Pensioner Mortgage to Help Purchase My New Retirement Home?
  • Factors to Consider before Taking a Mortgage into Retirement
  • The Scary Term: Mortgage in Retirement!
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  • The Value in Mortgages for Pensioners
  • Market Review of the Stonehaven Interest Select Lite Plan
  • Consider an Interest-only Lifetime Mortgage
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  • Interest Only Lifetime Mortgage Inheritance Protection
  • Understanding a Lifetime Mortgage or also known as a Reverse Mortgage
  • All Lifetime Mortgages Explained
  • Releasing Equity for Mobility with Lifetime Mortgages
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  • Lifetime Mortgage Explained
  • Dont Be Afraid to Ask a Question about Your Lifetime Mortgage!
  • Time for a Lifetime Mortgage Review
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  • How Your Health Can Affect a Lifetime Mortgage
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  • Get the Latest Lifetime Mortgage Rates Now
  • Why Should You Choose an Equity Release Lifetime Mortgage
  • Compare Lifetime Mortgages
  • Will UK House Prices Fall Because of Brexit?
  • What is a Financial Introducer?
  • Drawdown Equity Release
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  • Is equity release safe?
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  • Equity release for pensioners in retirement
  • Plan for retirement with better rates of Equity Release
  • Equity Release Calculator
  • Compare Equity Release
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  • Compare the equity release market
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  • Benefits of equity release
  • Calculate the equity in my home
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