Alan is 41 years old and his wife, Jane is 39. They are both non-smokers and have two sons, aged 10 and 8. Jane earns €53,000 per annum as a HR manager and Alan looks after the children at home full time.
They took out €400,000 on Jane and €200,000 on Alan over 13 years until their youngest son reaches the age of 21. Their monthly cost is €77. 15.