Financial Planning & Wealth

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.

Mapped to the public CII CF8 2026/27 syllabus, indicative content, examination guide and tax tables for exams from 1 September 2026 to 31 August 2027. Full current-study-text reconciliation remains pending.

300 Unique Questions · 5 Mocks × 75 Detailed Study Notes Realistic mock exams

Course syllabus information reviewed for 2026. Always check the awarding body’s latest official syllabus and candidate updates before booking or sitting your exam. Exams Academy is an independent education provider and is not affiliated with the CII.

Exactly what is included

5 mock exams × 75 questions · 300 unique questions · 375 total question slots · unlimited retakes
Focus Learn · key areas, pitfalls, exam traps & key numbers
Flashcards · fun, fast and effective recall
Exam cheat sheet · key facts, rules and numbers by chapter
Audio Learning · every chapter in audio
AI Analyzer & Mentor · pinpoints your weak areas
Study Mode Exams · learn while you train
AI Chat trained specifically for this exam
Community-polished data, improved every day
Up-to-date, accuracy-checked content

AI Audio Summaries New

Listen to course modules on the go. Perfect for studying while driving or commuting.

🎧 Audio

* This is a chapter sample. All audio is available in the full version.

Syllabus

Module 1: Long term care: the background

🎧 Audio

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 the provision of long term care

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 financial resources

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: Care provision: other sources of assistance and their 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 related 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: understanding the relationship

Adviser-client dynamics, capacity, third-party authority, vulnerability and conflicts.

• Mental Capacity Act 2005 & Third parties.
• FCA conduct of business for vulnerable clients.
• Confidentiality, authority and safeguarding.
• Managing family and beneficiary conflicts.

Module 10: Long term care planning – putting it all together

Constructing suitable care-funding recommendations and reviewing them as circumstances change.

• Constructing an integrated care funding plan.
• Case study analysis and practical application.
• Product, investment, tax and benefit interactions.
• Review triggers and consequences of failing to review.

Student Reviews

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From finance professionals who prepared for and passed their CII exams.

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Ahmad K.

VERIFIED · Aug 3, 2026

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4.0 out of 5

★ Trustpilot

Great value and clear explanations

Great practice tool. The AI mentor helped me spot my weak areas instantly, which saved me so much time during my final revision week.

Zara S.

VERIFIED · Jul 31, 2026

★

4.0 out of 5

★ Trustpilot

Best study tool

This platform completely changed how I study. The chapter summaries are brilliant for last-minute review, and the mobile dashboard works flawlessly.

Mia L.

VERIFIED · Jul 30, 2026

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Best study tool

This platform completely changed how I study. The chapter summaries are brilliant for last-minute review, and the mobile dashboard works flawlessly.

Nicola W.

VERIFIED · Jul 23, 2026

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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.

James B.

VERIFIED · Jul 19, 2026

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Google

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.

Sarah P.

VERIFIED · Jul 11, 2026

★

5.0 out of 5

★ Trustpilot

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.

Interactive preview

Free CII CF8: Long Term Care Insurance Practice Questions & Exam Preview

Try 15 CII CF8: Long Term Care Insurance practice questions from Chapter 1: Long term care: the background

Practice CII CF8: Long Term Care Insurance exam questions with answers and explanations. The full course includes 5 mock exams and complete syllabus coverage.

Exam Preview

Chapter 1: Long term care: the background

Question 1 of 15

Where is domiciliary care delivered?

1 / 15

Flashcards

Card 1 of 10Chapter 1

Question

Which feature is central to the FCA definition of long term care insurance? (1.1.1)

Tap to reveal answer

Focus Learn

Key Examinable Areas5

FCA definition of LTCI
Disability trends
Regulatory background
Care cost implications
Types, settings and providers of care

Common Pitfalls to Avoid3

Exam Traps3

Key Numbers4

Chapter 1: Long term care: the background

Long term care insurance (LTCI) addresses the cost and practical consequences of a person losing the ability to live independently. The FCA definition links the insured event to health deterioration that is not expected to change and requires assistance with independent living; a qualifying contract can provide periodic benefits for all or part of that period. Pre-funded policies are arranged before care is needed, whereas immediate-needs care plans are purchased when care is already required or imminent. UK provision is mixed: informal, public, private and voluntary providers may all contribute, and provider identity does not by itself decide who ultimately pays. The FCA's regulatory framework underpins the advice process through specific rules: COBS includes specific long-term-care insur…

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Open every chapter’s key areas, pitfalls, exam traps and key numbers.

Adaptive study tools

Focus weak topics, learn with feedback, then switch to exam conditions.

Practice modes

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Learn with feedback, then switch to exam conditions.

Study Mode

Instant feedback & explanations

See the answer and explanation after each choice.

Exam Mode

Realistic exam simulation

Use the timer, keep answers hidden, then review your result.

Preparation Package at a Glance

Feature	Exams Academy	Details
Access Period	Lifetime Access	One-time enrollment with no recurring fee
Practice Exams	Unlimited Retakes	Four primary mocks with 300 independently authored questions covering all 164 syllabus objectives
Study Support	Instant 24/7 AI Tutor	Self-service AI support; live instructor support is not included
Cost	$151 (One-Time)	One-time payment with no recurring subscription

Preview & See What You Will Get

Preview of CII CF8: Long Term Care Insurance

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 review detailed explanations with the free CII CF8: Long Term Care Insurance Mock Exam Preview below. It contains 15 exam-style questions from one named topic; the full course provides complete mock exams and syllabus coverage.

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.

Listen to a sample

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.

300 Original Practice Questions

Apply the syllabus through standalone questions and connected scenarios.

✓ Five full mocks, including a mixed review of the first four papers.
✓ 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.

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%

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 300 original practice questions across Mocks 1-4, covering all 164 syllabus objectives through recall, calculations, applied decisions and connected case studies. Mock 5 brings together 75 questions from the first four mocks for mixed revision. Every paper includes complete case-study sets, answer explanations and unlimited retakes. The 169-item quick-reference sheet, including 21 complete worked calculations, 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%.

Who Is This For?

✓ Financial Advisers taking the CF8 exam

✓ UK advisers developing later-life planning knowledge

✓ Paraplanners and technical support professionals

✓ Professionals working toward the CII Award in Long Term Care Insurance

Preparation centre

Use these connected guides for the syllabus, exam format, booking and revision strategy.

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Exam guide

The Comprehensive Guide to CII CF8: Long Term Care Insurance

Master the CII CF8 Long-Term Care Insurance exam. Explore state benefits, funding mechanisms, care types, and test your knowledge with our interactive quiz.

★★★★★ 4.3 (13 course reviews)