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Beginners’ Guides
Beginners’ guide to life insurance
Contents
Please
remember
The types of cover described in this guide have no cash in value at any time. If you reach the end of the term or don’t pay premiums on time with these types of policies, the cover will end and you’ll get nothing back.
Helpful notes
A financial adviser will be able to help you decide which type of product you may need, and how much of it. They’ll also make sure you keep on top of your protection needs with annual reviews.
This guide …
Most of us don’t like to think about how we would manage if we were ill and unable to work or how our loved ones would cope if we were to die unexpectedly. But it’s important to sit down and think about the future in this way, if only to give both you and your loved ones peace of mind.
A little forward planning now could provide you or your family with a regular income or cash lump sum at a time when financial worries should be the last thing on your minds.
There are a number of different solutions to choose from. In an ideal world we’d be able to afford them all. But with so many other everyday financial responsibilities, it’s better to choose the ones that are most relevant to your lifestyle now. Then, as your needs change, you can change the type of protection that you have in place.
In this guide we want to provide you with information that will help you understand your protection needs, both now and in the future.
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