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.
Call 01227 937 793
Rated Excellent
TrustScore4.822,651 reviews on Trustpilot

Paladin Advice Logo

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.

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.

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.
App Store linkGoogle Play link
Insura app mock up
Existing Customer?

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

Use our customer portal.

Have a question?

Speak to one of our UK-based customer service advisers.

Request More Information

What our customers say

Independent reviews collected by Trustpilot.

The whole process was handled very quickly and professionally.

FFrancis Cassidy
Oct 9, 2026

The company are very good and helpful. You ask anything they help you no problem.

MMrs Donna Kear
Oct 9, 2026

Sale assistant versus good at explaining all about the scooter very happy will be going to garden centre again as I would like to know if I can put next size wheels on my scooter

RRichard billich
Oct 9, 2026

No price increase is appropriated , good Company , easy to communicate with

TTony
Oct 9, 2026

I took out the insurance through careco when I purchased my scooter, very easy to do and a great price. Communication since then has been excellent . This has given me peace of mind when I go out on the scooter

BBarry Saunders
Oct 9, 2026

Very easy to contact....arranged my insurance very quickly

mmarlenr
Oct 9, 2026

very helpfull

DDennis Flack
Oct 9, 2026

Customer care very good

BBarrie Rowlands
Oct 9, 2026

Excellent advice and service

JJanet
Oct 9, 2026

Great deal at competitive price staff where very Frendley

JJohn Cook
Oct 9, 2026

A no hassle experience

TThomas Mcmillan
Oct 9, 2026

Had pleasant conversations with staff ,they were very helpful when I needed to review my policy .

ccustomer
Oct 9, 2026

The customer service lady helped me sort out what I needed to do. She did so with great patience and kindness. I had cause to ring again as I was unsure about something and, again, the customer service lady was so very patient and helped me find my account information on the app which I had trouble finding. This was my fault, I was pressing on the wrong part of the app. Once the lady directed me to the page I needed to be on I found all my information there and was very relieved and grateful for the help I got. I felt listened to and not rushed at all. I tend to overthink things and sometimes get myself in a mess but thanks to the lady I spoke to today I ended the call feeling much better and, dare I say, confident. At least I know if I get stuck again there is a great customer service team who I have every faith will give me as much help as necessary. Thank you so much.

CCarina
Oct 9, 2026

Lady on phone was very polite helpful made it all very easy.

SStuart Blaydon
Oct 9, 2026

A very helpful and friendly call centre. Helpful and informative. I would certainly recommend this company. After sales help first class. Thank you yours, H. McBride

MMr Mcbride
Oct 9, 2026

Great service

DDermot Kavanagh
Oct 9, 2026

Used Mark Bates insurance for 7 years and never occurred any problems, reasonable price and very helpful

EEmily Pridmore
Oct 9, 2026

Very easy to understand policy and helpful. Consistence prices.

ccustomer
Oct 9, 2026

Recomended by Careco, seamless transaction, excellent

MMrs CAROL WRIGHT
Oct 9, 2026

Friendly and pleasant, and reasonable rates.

CChris Gillett
Oct 9, 2026