Sesame, the adviser network, is to offer Elderly Care Benefit (ECB) as a free standing plan to consumers after its panel gave the move the go ahead
The Lincoln Financial Group product, also to be offered as an option on its Financial Foundations life policy, will provide cover against age-related diseases and illnesses .
Dale Tranter, protection research manager at Sesame, says: "Lincolns Elderly Care Benefit provides advisers with further options and flexibility at a time of limited product choice and when the UK population is ageing and age-related diseases are becoming more prevalent."
ECB can give a lump sum which could be used for elderly care, but it is not designed or classified as a long-term care product as outlined by the FSA.
Financial Foundations is a non-qualifying, multi-benefit protection product which provides whole of life cover with one provider, in a single policy. Critical illness, permanent disability and income protection cover are among those included in the product menu plan.




