One thing I'd like to add to this. We started off, way back in summer last year, by turning to SAGA for advice on care fees. This, we thought, would be a safe and sensible option. However, while I have absolutely nothing but good to say about the person with whom we dealt, who was utterly professional and sensitive, it seems that SAGA only deal with one of the three firms (Just Retirement) that offer care fee annuities.
Thankfully, my sister wanted us to also go to a financial advisor, who then brought in quotes from all three firms, including a new one from Just Retirement, and the latter was by far - and I mean £30,000+ - more expensive, in both the quote via SAGA and via the financial advisor.