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Stephen & Amelia

Stephen and Amelia are both 40. Stephen is a smoker and Amelia gave up smoking 18 months ago. They have no children and a small mortgage remaining on their home.....

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Stephen & Laura

Stephen and Laura are both 39 years old and non-smokers with three young children. They decided to take out a joint life insurance application......

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Keith

Keith is aged 35 and is a smoker. His wife already has life cover through her work so he feels that getting cover for himself at €250,000 is more than adequate......

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