1. How would you pay for care in later life?
Zurich UK Life
How would you pay for care in later life?
Zurich Adaptable Life Plan

2. How likely are you to need care in later life?

3. For women it’s 9.2 years on average.
Men aged 65 in the UK can expect to live their last 7.4 years with a disability.
For women it’s 9.2 years on average.
(Health expectancy at birth and at age 65 in the United Kingdom, , Statistical Bulletin, Office for National Statistics, 2012)

4. Around 4 million older people in the UK have a limiting longstanding illness.
This is 40% of all people aged over 65.
(The estimate is for the UK, based on Great Britain data from the General Lifestyle Survey 2011, Office for National Statistics, 2013)

5. How much is this care likely to cost?

6. £11,000 If you have a carer coming in for 14 hours a week a year(

7. £28,600 For a residential care home a year
(Calculated on weekly figures published in Care of Elderly People Market Survey 2013/14, Laing and Buisson, 2014)

8. £37,700 For a nursing home a year
(Calculated on weekly figures published in Care of Elderly People Market Survey 2013/14, Laing and Buisson, 2014)

9. How will you pay for it?

10. Currently, anyone with assets over £23,250
Currently, anyone with assets over £23,250* has to pay the full cost of their care.
If you don’t make any plans, you will likely have to use your assets – including your home – to pay any care costs.
*Wales £23,750, Scotland £25,250 (Source:

11. And it’s not all about money…
How would you maintain your independence and self-sufficiency?
Will you have control over the choices made and the care you receive?
What would be the impact on your family?
Do you want to leave a legacy for your loved ones?

12. So what’s the answer?
I can show you a way to:

13. Spend your money on the things you want to.

14. Pass on your assets to your loved ones.

15. Provide a safety net for potential care costs.

16. Enjoy greater peace of mind.

17. Introducing the Later-life flexible option.
The Later-life flexible option is available as part of the Zurich Adaptable Life Plan

18. Introducing the Later-life flexible option.
This is an option that caters for later-life uncertainty

19. Introducing the Later-life flexible option.
It allows you access to 70% of your sum assured if you start to lose your independence and need extra support or care after age 70. You won’t have to pay any additional premiums to add this option to your plan.

20. Introducing the Later-life flexible option.or

21. Introducing the Later-life flexible option.
If you don’t use it, your beneficiaries will receive 100% of the sum assured when you die.

22. Zurich Assurance Ltd
Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham GL52 8RD.