Getting interesting now. All this stuff about not having to sell your house while your partner/spouse lives there. Seems like there's a catch that hasn't been mentioned yet. To do that you'll need to buy an insurance policy that pays the fees and the premium will be reclaimed on the sale of the property. They've been taking to the Insurance industry about this for a while. But the insurer will have a lien on the property and can demand a quick sale, meaning the price will be lower than it would be if the family wanted to take their time to get the best price. All they're interested in is getting their premium back. And to cap it all, because Osborne fucked them over on annuities, the insurance companies have been given assurances that's there will be no cap on the premiums.