It’s no secret that we’re all living longer. The World Health organization estimates your life expectancy at 79, if you’re male, and 82, if you’re female. Long term care might not be something you want to think about now, but one day thinking about it may no longer be an option.

With an ageing population it is likely that there will be dramatic changes in the provision of long term care by the NHS and Local Authorities. The media is already highlighting issues that have arisen due to lack of social service resources, with people’s lifetime savings disappearing on care costs.

It saves to think ahead. It saves to have a plan in place and the confidence that, should you need some level of care later on in life, you will be provided for. Eclipse can offer advice on the future, with a range of policies to choose from to safeguard your long term financial situation.