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What is an investment bond?
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sorry Jem i should have read this properly the first time. looks like we are on a similar wave length.
Yes we are which was why I mentioned time-frame being important. With the OP having the Investment Bond for 15 years there is no way it could be argued that it was to avoid care costs.
If it were to have been taken out in the last year and care looked a distinct possibility then it would have been seen as deprivation of assets.0
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