CII CF8: Long Term Care Insurance
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.
Updated for 2026. 100% matching with the latest official workbook revisions.
AI Audio Summaries New
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%.
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 current CII syllabus and the learning material used to build the platform. CII Academy is an officially accredited training provider.
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! You can test your knowledge and see our AI tutor in action with our free CII CF8: Long Term Care Insurance Sample Paper.
Student Reviews
Submitted directly to CII Academy. These testimonials are not presented as independently verified by Trustpilot, Google, or another third-party platform.
Recent Reviews
Passed on my first attempt
The mock tests teach you how to analyze the questions properly. It is much better than the official workbook.
Perfect for financial planners
This course covered all the mandatory CF8 topics I needed. It made studying much easier than trying to do it alone.
Passed with an 80%
The section on care home fees and top-up rules was very helpful. I passed on my first try.
Good prep for IFA
This was the easiest way to learn care home funding rules for my job. The price is also very reasonable compared to other options.
Easiest way to study
The CF8 exam is required for my job, and this course made studying simple. It is much more effective than self-study.
Cleared the exam
The lessons on top-up rules were extremely helpful. They ask about this frequently in the exam, and this course prepared me perfectly.
Thank you for the review, Bassem. We have noted your feedback and are always working to make the course even better.
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