CII CF8 Long Term Care Insurance Exam Prep
Prepare for the 75-question CII CF8 assessment with focused coverage of UK care funding, long-term care products, legal issues, taxation and client advice.
Built around the current published CII syllabus and official assessment requirements. Exams Academy is an independent education provider and is not affiliated with the CII.
Listen to course modules on the go. Perfect for studying while driving or commuting.
* This is a chapter sample. All audio is available in the full version.
CII CF8 revision built around the real assessment
CF8 tests more than product recognition. Candidates need to connect UK care provision, local-authority responsibilities, State support, taxation, legal capacity and suitable funding arrangements across both standalone questions and case studies.
This course turns those connected topics into a structured revision workflow: read the topic notes, reinforce the distinctions with flashcards, ask the AI tutor for clarification, then apply what you have learned in five timed 75-question mocks.
What your CF8 preparation includes
You receive 375 practice questions, including case-study sets, with answer explanations and unlimited retakes. The quick-reference sheet supports final-stage recall, while audio summaries make it easier to maintain momentum away from your desk.
The official CF8 assessment is two hours and contains 50 standalone multiple-choice questions plus five case studies with five questions each. The standard pass mark is 70%.
Exam Format & Details
| Assessment | 75 multiple-choice questions: 50 standalone questions plus 5 case studies with 5 questions each |
| Duration | 120 Minutes |
| Standard Pass Mark | 70% |
| Level | CII Level 3 |
| Recommended Study Time | 70 hours |
| CII Credits | 15 |
| 2025 Published Pass Rate | 87.96% |
What This CII Revision Course Includes
| Feature | Exams Academy | Other Revision Options |
|---|---|---|
| Access Period | Lifetime Access | Varies by provider |
| Practice Exams | Unlimited Retakes | Varies by package |
| Study Support | Instant 24/7 AI Tutor | Scheduled or limited support |
| Cost | $189 (One-Time) | Varies by package |
Key Benefits
AI Audio Summaries New
Listen to course modules on the go. Practice anytime, anywhere - even while driving or commuting.
- ✓ Studio-quality AI voice narration.
- ✓ Perfect for auditory learners.
- ✓ Maximize your study time during daily commutes.
Five Full Exam Simulators
Build timing and application skills with five 75-question mock exams.
- ✓ Case-study question sets alongside standalone MCQs.
- ✓ Topic-by-Topic Drill Mode: Focus on weak areas.
- ✓ Timed exam mode based on the official two-hour assessment.
375 Practice Questions
Apply the syllabus through standalone questions and connected scenarios.
- ✓ Scenario-based questions for practical application.
- ✓ Detailed Step-by-Step Explanations for every answer.
- ✓ Performance tracking to identify weaker topic areas.
AI-Powered Study Assistant
Ask questions against the CF8 study material whenever a topic needs clarification.
- ✓ Instant Clarification for complex rules like IHT and Care Acts.
- ✓ Available 24/7 directly within your study environment.
- ✓ Clear explanations linked to the course topics.
Rapid-Recall CF8 Flashcards
Digital flashcards for definitions, responsibilities, products and planning distinctions.
- ✓ Critical thresholds and reporting timelines.
- ✓ Designed for short, repeatable active-recall sessions.
- ✓ Mobile-friendly for studying on the go.
High-Yield Cheat Sheets
A searchable quick-reference layer for final-stage revision.
- ✓ Condensed summaries of Local Authority limits.
- ✓ Care-funding responsibilities and product distinctions.
- ✓ Means-testing concepts and client-planning considerations.
Syllabus
Module 1: Long Term Care: The Background
FCA definition of LTCI, the need for care, and factors driving the long term care market.
- • FCA definition of a long term care insurance contract.
- • The ageing population and demand for care.
- • Types of care: residential, nursing, and domiciliary.
- • NHS Continuing Healthcare eligibility criteria.
Module 2: Responsibilities for Care Provision
Health authority and local authority responsibilities for care provision and funding.
- • NHS vs Local Authority responsibilities.
- • NHS Continuing Healthcare assessments.
- • The role of NHS bodies in assessing continuing healthcare.
- • Registered nursing care contributions.
Module 3: Local Authorities: Charging and Assessing
How local authorities means-test individuals and the financial thresholds that apply.
- • The means testing framework and capital limits.
- • Upper and lower capital thresholds.
- • Property disregards and the 12-week property disregard.
- • Deprivation of assets rules.
Module 4: Other Sources of Assistance and Costs
Alternative funding sources including equity release, family support, and disability benefits.
- • Equity release schemes for care funding.
- • Deferred payment agreements with local authorities.
- • The costs of residential and domiciliary care.
- • Third-party top-up payments.
Module 5: Long Term Care Insurance Products
Pre-funded and immediate need insurance solutions for long term care.
- • Pre-funded long term care insurance policies.
- • Immediate needs annuities (INAs).
- • Investment bonds for care fees.
- • Tax treatment of care insurance benefits.
Module 6: LTCI Underwriting and Claims
How long term care insurance is underwritten and the claims process.
- • Eligibility criteria for LTCI claims.
- • Activities of Daily Living (ADLs) assessments.
- • Underwriting factors and premium calculations.
- • Deferred periods and benefit escalation.
Module 7: State Benefits
State benefits relevant to individuals requiring long term care.
- • Attendance Allowance and eligibility.
- • Personal Independence Payment (PIP).
- • Pension Credit and its interaction with care costs.
- • Carer's Allowance and other carer benefits.
Module 8: Estate Planning and Legal Matters
IHT, wills, intestacy, and legal considerations in long term care planning.
- • Inheritance Tax (IHT) and the nil rate band.
- • Wills and rules of intestacy.
- • Gifts and potentially exempt transfers (PETs).
- • Lasting Powers of Attorney (LPA) and Court of Protection.
Module 9: Adviser and Client Relationship & Care Planning
Adviser-client dynamics, capacity, holistic care planning, and ongoing review requirements.
- • Mental Capacity Act 2005 & Third parties.
- • FCA conduct of business for vulnerable clients.
- • Constructing an integrated care funding plan.
- • Case study analysis and practical application.
Interactive Playground
Explore our interactive learning tools below
What happens to Attendance Allowance if an individual moves into a local authority funded care home?
Who Is This For?
Frequently Asked Questions
CF8 is a two-hour multiple-choice assessment. It contains 50 standalone multiple-choice questions and five case studies, each followed by five multiple-choice questions, giving 75 questions in total. The standard pass mark is 70%.
CF8 is suitable for financial advisers, paraplanners and other professionals who want to develop knowledge of long-term care planning. When held with specified CII diplomas, it can contribute to the FCA appropriate-qualification requirements for advising on long-term care products.
CF8 covers the funding of long-term care in the UK including local authority assessments, state benefits like Attendance Allowance, immediate needs annuities, investment bonds for care fees, powers of attorney, and the Care Act 2014.
The CII published an 87.96% pass rate for CF8 in 2025, but candidates still need to connect care funding, benefits, legal issues, taxation and product suitability across standalone and case-study questions.
The course is organised around the published CII CF8 syllabus and the learning material used to build the platform. Exams Academy is an independent education provider and is not affiliated with or endorsed by the CII.
We do not guarantee a pass. Results depend on the candidate's study and exam performance. The platform provides structured revision, active recall and timed practice to help candidates identify and close knowledge gaps.
You get lifetime access from the moment of purchase. Study at your own pace with no time limits or recurring fees.
Yes — the entire platform is mobile-responsive and works on any device with a browser. Flashcards, summaries, and the AI tutor are all optimised for on-the-go study.
Yes! Test your knowledge and see our AI tutor explanations with the free CII CF8: Long Term Care Insurance Sample Paper. It contains 15 questions from one named topic and is not a full mock exam or overall readiness assessment.
Student Reviews
From finance professionals who prepared for and passed their CII exams.
Recent Reviews
Perfect for busy IFAs
I didn't have time to read the whole workbook. The mock exams showed me exactly where my knowledge gaps were. Highly recommend for the CF8.
Mental Capacity Act summaries
The legal sections of CF8 are dry, but the cheat sheets on powers of attorney and the Mental Capacity Act are fantastic. Passed on my first attempt.
CF8 passed comfortably
Long term care funding rules change so often, but this material was perfectly up to date. The care home fee top-up arrangements were explained beautifully.
Decent prep for IFA role
Mandatory course for my current role. Made the care home funding regs actually digestible. Decent price too compared to some other providers out there.
Equity release success
Lifetime mortgages explained so clearly... The care funding rules are great too. Passed cf8 with 82%.
Care home fee's
The section on top-up arrangements was so helpfull... They seem to test this literally every time. Pass with 80% first attempt.
Top-up info was key
The section on top-up arrangements was super helpful... They test this literally every time in the center. Passed easily. Thanks!
Thanks for taking the time to write this, Yousef. We've noted your feedback and are working on improvements.
Good for planners
Im an IFA doing later life planning... CF8 is mandatory and this course covered every single thing I needed. Way easier than self-study.
Better than self-study
CF8 is mandatory for my role and this was absolutely the easiest way to prep. Much better than just regular self-study. Helpful content.
Exam technique is on point
Honestly, the official workbook is terrible for exam technique. The mocks here actually show you how to think about the answers. Passed first time!!
Ready to Pass Your Exam?
Review the CII syllabus efficiently with structured study notes, active practice, flashcards and an AI tutor available when you need it.