This is the disclaimer text.
In exchange for a one-off payment, our Lifetime Care Plan provides a guaranteed monthly payment to help pay your care fees for the rest of your life.
If you're aged 60 and over and required to part fund or fully fund your own long-term care, you may be considering purchasing a Lifetime Care Plan.
- Escalation
You can choose either a fixed payment that does not change throughout the duration of the plan, or a payment that increases each year. - Death benefits
We automatically include a death benefit which pays a percentage of your original premium, less any payments we've already made, to your estate if you die within the first 6 months of the plan. You can also add an additional death benefit which protects a percentage of your initial one-off payment. Depending on when you die and the options you choose, you may get back less than you paid for the plan.
We’re unable to sell a Lifetime Care Plan directly to you. If you feel a Lifetime Care Plan may be suitable, you’ll need to contact a financial adviser who can help you understand your care funding options. A financial adviser will also be able to help you if you’re a legal representative of the person who requires care.
A Lifetime Care Plan may affect your ability to claim for means-tested state benefits.
If your financial adviser believes a Lifetime Care Plan is suitable for you, they’ll help you shop around for the best price, and help you through the process of setting one up. You can find a financial adviser by visiting Unbiased.
If you have questions around care funding and don’t know where to start, you can contact MoneyHelper, an impartial guidance service that’s backed by the government.
Care Costs Calculator
If you are unsure where to start and want to better understand the potential cost of care and any support you may be entitled to, you may wish to complete our Care Costs Calculator
Existing customers
If you already have a Lifetime Care Plan and need to contact us, we have various options for you:
Further Information
Amy Ellison
CEO, LANDGRE
10 years
Notes
Established in 1836, L&G is one of the UK's leading financial services groups and a major global investor, with £1.1 trillion in total assets under management (as at HY25) of which c. 43% (c. £0.5 trillion) is international. We have a highly synergistic business model, which continues to drive strong returns. We are a leading player in Institutional Retirement, in Retail Savings and Protection, and in Asset Management through both public and private markets. Across the Group, we are committed to responsible investing and dedicated to serving the long-term savings and investment needs of customers and society.
Established in 1836, L&G is one of the UK's leading financial services groups and a major global investor, with £1.1 trillion in total assets under management (as at HY25) of which c. 43% (c. £0.5 trillion) is international. We have a highly synergistic business model, which continues to drive strong returns. We are a leading player in Institutional Retirement, in Retail Savings and Protection, and in Asset Management through both public and private markets. Across the Group, we are committed to responsible investing and dedicated to serving the long-term savings and investment needs of customers and society.
