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Barry is a 39 year old smoker married to Stacey. They have two children aged 9 and 7. Stacey has a life cover policy in place through her employment but Barry has no life assurance other their mortgage protection policy.

He earns €48,000 per annum. Barry decided to take out a policy on himself up to €400,000 over a 18 year term for financial security in the event of his death until his youngest child reaches the age of 25. His policy cost is €54.56 per month.

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