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Long term care advice

We all want the best possible long term care for ourselves or our loved ones. We can help you tackle this tricky and often delicate aspect of financial planning.

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Why get advice about financing long term care?

State funding towards long term care could be available but it may not be up to the standard you want for yourself or a loved one. Other options for long term care can look expensive even to the point of being unaffordable.

The cost and complication of arranging long term care can cause considerable stress. Our advice service can help you understand your options and establish how best to use the resources available to you.

It’s a difficult subject to talk about and it can be a big worry. Our advisers will handle your case sensitively and help put your mind at rest that the cost of care for you or your loved ones is all planned out.

After taking advice you will:

  • Understand your options for funding long term care
  • Get recommendations on how best to cover shortfalls
  • Understand the state benefits available to you or your loved ones and how these fit into your plan
  • Have a plan to help put enough aside to get the care you want for yourself or a loved one
  • Have the recommended investments implemented for you if required

Our accredited long term care advisers

All advisers must have a diploma in financial planning (or equivalent) which is recognised by the Financial Conduct Authority and complete training and development each year to keep their knowledge up to date.

The majority of our advisers’ qualifications are awarded by the Chartered Institute of Insurers (CII) and they are members of the Personal Finance Society (PFS).

We also have specialist long term care advisers who are SOLLA (Society of Later Life Advisers) accredited. This means they’ve undertaken extra certification and training to advise on long term care with specialist knowledge and practical experience.

Rest assured all our advisers are fully qualified to advise you on long term care advice.

Charges for long term care advice services

Our financial advisers typically charge 1-2% (+VAT where applicable, minimum charges apply) of the assets advised upon for complex areas such as long term care planning.

We don’t believe in tying people into yearly reviews so with HL you can choose one off advice. Ongoing advice is available if you request it for an extra charge.

Our advisers will always look at your circumstances and plans as a whole before giving long term care planning recommendations. More about our charges.

Book a call

Book a call with our advisory helpdesk

Book a call with our advisory helpdesk to start your financial advice journey. They’re here to answer any outstanding questions you have about our service.

There’s no obligation to take advice and there’s no hard sell. In fact, they’ll let you know about our free information and tools if advice is not for you.

They won’t provide personalised advice but they’re essential to making sure you get the most out of our service. If you’re happy to proceed, they’ll put you in touch with an adviser within two working days to arrange your initial consultation.

Please note: We can only provide advice to UK residents. If you’re resident overseas, unfortunately we’re unable to advise you.