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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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Carol & John

Carol and John are married, Carol is 45 working part time on a salary of €45k and her husband John is 51, self-employed earning €50k a year.....

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