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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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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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Paul & Joan

Paul is a 48 year old company director married to Joan a 50 year old housewife. Joan had been in full time employment but decided to give up work.....

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