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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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Emily

Emily is a 32 year administrator on an income of €45,000, she is a smoker and is buying her first property.  Her mortgage is €165,000 over a 35 year term.....

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Andy

Andy is aged 30 and is a non smoker. He has recently had his first child but he is separated from the mother and wants to ensure his child will be financially looked after.....

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