We tend not to think about how to pay for long-term care until one of our relatives has to go into a residential or nursing home.

Average weekly nursing home costs can and do run into hundreds of pounds. By paying a regular or single premium you can add to the amount that may be available through state benefits to fund the cost of such care and this could mean having to deplete less or none of your assets to meet the cost.

This is why long-term care should form part of your discussion with Berkeley La Roche. There is no doubt that the need for care is likely to increase as life expectancy continues to rise and with only limited care facilities available, the costs are also likely to rise.