Life insurance is one of many family protection plans that are paid by the owner of the policy after tax dollars and is considered a tax free pay out to designated beneficiaries and not by distribution of a will if the insured died while the policy is in place.

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Andrew Merricks, head of investments at Brighton-based financial adviser Skerritt Consultants, warns that it is very short-sighted of people not to have Life Assurance and/or Critical Illness Insurance as he insists that life has two main risks - either living too long and dying too soon. “It’s absolutely crucial to…

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