Long Term Care Insurance

How will Worldwide help me access long term care insurance?

We will help you access long term care insurance in 3 simple steps. Our long term care service is designed to help you as quickly and easily as possible.

1. Our service to you starts the moment you contact us. We will appoint you your own dedicated independent financial adviser who will discuss with you all the requirements you have for long term care insurance.

The initial consultation with your adviser will be absolutely free of charge and obligation.

We also offer you our Fee Guarantee: You won’t pay any fees unless we can help you

2. Your adviser will use their expertise and access to the whole of the long term care insurance marketplace to research the very best policy and provider there is.

3. If you are happy with the policy that your adviser has found, they will begin the application process; helping you complete all the application forms and paperwork and remaining with you throughout the whole process.

Contact us:

Call your FT award winning independent financial adviser in confidence now on 0800 0112825 or complete the contact form and your dedicated adviser will contact you.

How does long term care insurance work?

With long term care insurance, you purchase a plan which will pay out if you need care in the future. The insurance policy will usually agree to pay out a regular sum if and when you need long term care, or if you become unable to perform certain daily living activities, or if you become mentally incapacitated.

Do I need to consider long term care insurance?

If you are concerned about long term care or think it is something you might need in the future, it is worth considering long term care insurance. As a population we are living longer, and the older we get, the greater our health needs become.

Recent estimates suggest that around 130,000 people enter care every year. Of that number, more than 42,000 are funding themselves. If you were one of these people, would you know the best way to pay your fees?

When it comes to long term care, planning ahead is vital and long term care insurance can be an important part of this planning.

How much does long term care insurance cost?

Costs for long term care insurance vary and will depend on a number of factors including your age, sex, health and the type of cover you require. Your independent financial adviser will be able to find you the best cover for your individual circumstances and requirements.

What does long term care insurance cover?

Long term care insurance helps you to cover the costs of care; whether that is care in your own home or in a residential or nursing home. Cover should last for as long as you require care.

Certain eventualities such as temporary health problems are unlikely to be covered.

Under what circumstances will my long term care insurance policy pay out?

Long term care insurance policies agree to pay out a regular sum if certain criteria are fulfilled. For example:

• If you become in need of long term care either in your own home or in a care home

• If you become unable to perform one or more Activities of Daily Living (ADLs) such as walking, bathing or feeding yourself.

• If you become mentally incapacitated.

What should I consider when choosing long term care insurance?

There are a few things to consider. Some of the questions we, as your independent financial adviser, will ask about a long term care insurance policy and provider are as follows:

• Does the provider offer a support service?

• What happens to the plan and payments if you live past the age of 99?

• How often will the premiums be reviewed?

• If you go into hospital, will your benefits continue?

These will help to differentiate between one plan and another. Your independent financial adviser will be able to help you decide what is best for your individual circumstances.

Can anyone take out long term care insurance?

Not everybody will be eligible to take out long term care insurance because there are maximum and minimum age restrictions on policies as well as conditions regarding your health. Your independent financial adviser will be able to advise you in more detail about this.

Call your FT award winning independent financial adviser in confidence now on 0800 0112825 or complete the contact form and your dedicated adviser will contact you.

Remember: You won’t pay any fees unless we can help you