Please review the risk warnings below before considering any investment

Care fees are often an overlooked element of long-term financial planning. With government statistics indicating that one in four of us will require long-term care and with limited public funding available, the impact of care costs can be substantial.

At Ingenious, we believe that providing for potential care fees should be a critical first step in planning for a financially secure future.

IEP Care provides a simple and unique solution. A dedicated care fees planning service, it is designed to help investors plan for the costs of any long-term care they may require, while it can also be fully integrated with an investor’s estate planning strategy.

IEP Care Cover is a new service that combines the features of IEP Care with insurance cover for eligible investors who are concerned about the potential impact of inheritance tax (IHT) on the value of their investment should they die within the two year Business Relief (BR) qualification period. If eligible, this cover gives protection of 40% on an initial investment amount of up to £500,000 (net of initial investment and dealing fees).

Reduced Additional Annual Fee

Until 31 March 2019, we are reducing the Additional Annual Fee by 1% for the first two years of investment in IEP Care Cover. Normally 3.24%, currently 2.24%

This reduced fee is applicable to the Additional Annual Fee for subscription to IEP Cover Products, the discounted fee is valid on receipt of client subscription amount before or on the 31 March 2019.

If you have any questions about the IEP Care and IEP Care Cover service please contact us on 020 7319 4291 or email

IEP Care and IEP Care Cover - Overview>> 

IEP Care and IEP Care Cover - Brochure >> 

IEP Care - Application form for advised retail clients >>

IEP Care Cover - Application form for advised retail clients >> 

IEP Care - Application form for non-advised retail or introduced clients >>

IEP Care Cover - Application form for non-advised retail or introduced clients >> 


Ingenious is a trading name of Ingenious Capital Management Limited which is authorised and regulated by the Financial Conduct Authority under Firm’s Reference Number 562563.

The value of an investment may go down as well as up and the client may not get back the full amount invested. Past performance is not a guide to future performance and may not be repeated. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. The risks of eligibility for, and recovery under, the insurance policy for investors in IEP Care Cover as detailed in the brochure.

Investments made by the Manager are in unquoted companies and are therefore likely to have less liquidity than listed shares.