Great news!

Average life expectancy across the UK as a whole has risen from 75.9 years in 1990 to a current average of 81.3 years.

Those are fantastic numbers if you are fit and healthy but what if you have to go into care? What if you have to spend a long time in care? How will it be paid for?

Firstly, let’s look at a very typical situation that a number of older couples may find themselves in.

Mary and Peter are in their early 70s, married and own a house on a