CII CF8 - Long Term Care Insurance
Master the fundamental concepts, regulations, and financial impacts of long term care in the UK, fully updated for the latest standards.
Updated for 2026. 100% matching with the latest official workbook revisions.
Long Term Care Insurance (CF8) with Smart Practice
This is not just revision material. It's a complete exam simulation system designed specifically for the CII CF8 examination.
We replace traditional, dry workbooks with a dynamic learning environment that adapts to your pace. Our system ensures you are studying exactly what will appear on exam day, with a specific focus on the latest tax bands and regulations.
Key Benefits
Four Full Exam Simulators
Practice exactly how you'll be tested, including the required 5 case studies per exam.
- ✓ Case Study Integration: 5 detailed case studies per exam.
- ✓ وضع التدريب موضوع بموضوع: ركّز على نقاط الضعف.
- ✓ Real Exam Mode: 50 MCQs + Case Studies under pressure.
225+ High-Quality Practice Questions
Crafted to match the exam-standard wording and logic used by CII examiners.
- ✓ أسئلة مبنية على سيناريوهات للتطبيق العملي.
- ✓ شروحات مفصلة خطوة بخطوة لكل إجابة.
- ✓ مقاييس لتتبع السرعة والدقة عبر الوقت.
معلم امتحان بالذكاء الاصطناعي (دعم فوري)
Meet your private mentor, specifically trained on UK taxation and LTC regulations.
- ✓ Instant Clarification for complex rules like IHT and Care Acts.
- ✓ متاح على مدار الساعة أينما كنت في وضع الدراسة.
- ✓ شروحات مخصصة بمنطق أعمال مبسط.
Rapid-Recall CF8 Flashcards
Digital flashcards optimized for quick reinforcement of tax limits.
- ✓ العتبات الحرجة والجداول الزمنية للتقارير.
- ✓ مصممة لتثبيت النقاط السهلة بشكل دائم.
- ✓ متوافقة مع الجوال للدراسة أثناء التنقل.
High-Yield Cheat Sheets
The distilled 'Golden Rules' of the LTC landscape.
- ✓ Condensed summaries of Local Authority limits.
- ✓ مصممة للاسترجاع السريع في الساعات الأخيرة.
- ✓ Essential Means Testing thresholds.
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Experience our interactive learning tools — right here, right now
What is the current 2025/26 IHT Nil Rate Band limit?
Who Is This For?
Frequently Asked Questions
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 Clinical Commissioning Groups.
- • 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 a comprehensive care funding plan.
- • Case study analysis and practical application.
CII CF8 - Long Term Care Insurance
Course Features
Student Reviews
Verified purchases from actual professionals preparing for their CISI exams.
Recent Reviews
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 r 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 helpfull... They test this literally every time in the center. Passed easily. Thanks!"
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 absoluteley the easiest way to prep. Much better than just regular self-study. Helpfull content."
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