Immediate Needs Care Annuity

Are you worried about running out of money to cover care costs? A Paladin Advice Immediate Needs Care Annuity ensures you or your loved one receives a guaranteed lifetime income, preventing financial shortfalls while maximising tax efficiency. With the ability to link payments to inflation and protect capital, this solution provides peace of mind, ensuring funds last no matter how long care is needed.

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Guaranteed Lifetime Income

Ensures care costs are covered without the risk of funds running out.

Tax Efficiency

Payments made directly to a registered care provider are tax-free, saving up to 40% in tax.

IHT Mitigation

Funds used for the annuity are removed from the taxable estate immediately.

Customisable Options

Inflation-linked payments and capital protection to pass on remaining funds to beneficiaries.

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Manage all of your insurance with Insura App?

Insura App, the ultimate insurance management application. With our app, you can easily manage all of your insurance policies, documents and key dates in one place.

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Need to manage your policy, add a new one or make changes?

Use our customer portal.

Have a Question?

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Dermot

Great service

Sep 10, 2026

VIV Claxton

Very quick efficient service and very helpful people to deal with

Sep 10, 2026

Mr John Steel - Taylor

Good communications

Sep 10, 2026

Mr Joseph McCaffrey

Everything was explained and made easy to understand, paperwork sent out which is very helpful as not good wirh internet so far all seems goid

Sep 10, 2026

customerEve

The lady we spoke to was excellent, explained everything sometimes more than once. As to price we were surprised, with car insurance you get a no claims bonus, we haven’t claimed at all.

Sep 10, 2026

Bev m

Brilliant, quick quote meeting all my needs including sick cover. Documents sent quickly. Brilliant value.

Sep 10, 2026

Sharon evans

Cannot fault anything with mark Bates. From start to finish they have been very good. I have mobility warranty with them and dealt with everything over phone. A friendly company to deal with.

Sep 10, 2026

Tracy

I’ve been using this company for a few years now.Drama free provider for my PA’s

Sep 10, 2026

Vivian Neish

always keep in touch. very professional company

Sep 10, 2026

Marcia Sutton

Easy . I do need a hard copy of the insirance certificate as the manager of my flats needs it for the recorda Please can you send me a copyanm d quick to arrange over the pjone

Sep 10, 2026

Daniel

Good customer service and great product

Sep 9, 2026

MR PETER JONES

everything was so straight forward and quickly done 👍

Sep 9, 2026

Christine Willaims

Very helpful when l rang with a query

Sep 9, 2026

Keith

Great service everything explained to detail would definitely recommend.

Sep 9, 2026

S.R

Contacted before policy was due for renewal giving plenty of time and easy to renew

Sep 9, 2026

Rachel Heywood

I rang with a query, the person I spoke with was lovely, as well as being professional, she didn't make me feel 'stupid' for asking a simple question and then took payment immediately when I asked.

Sep 9, 2026

GrahameKingshott

I found them a good company to deal with

Sep 9, 2026

Dear Mr Hopkins

We were met by Andrew one of your sales team at careco Swansea. We told him what we needed, he answered all our questions. Then showed us two scooters which he thought would be what we needed. No pressure we tried both and we settled on one. Very pleased

Sep 9, 2026

sandra coates-ashton

All dealings are dealt with friendliness and efficiency

Sep 9, 2026

Mr Kevin Browne

Helpful friendly customer service hassle free renewal insurance for our home. Thank you

Sep 9, 2026