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What is life insurance?

A life insurance policy pays out a lump sum of money on the death of the policyholder, with the sum insured depending on agreed terms. Should you pass away, life insurance could enable your loved ones to remain in the family home and keep to a familiar routine, as well as providing the financial means for your spouse or partner to be at home with children for as long as is needed.

Policies are available for adults between the ages of 18 and 80. Life insurance might not be needed if you don’t have dependants, mortgage or anyone that relies on you financially although it is wise to look into other types of insurance such as critical illness cover and income protection insurance

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