Brian is 34 years old and his wife Ciara is 33 years old. They are both non-smokers.
Brian works as an Electrical Technician earning €60,000 per annum and Ciara earns €30,000 per annum working 4 days a week in a jewellery shop. They have two children aged 6 and 4. They currently have no life assurance in place for family protection but do have a mortgage protection policy to clear the mortgage in the event of the death of either of them.
They took out a dual life convertible term policy with a sum insured of €400,000 for a term of 17 year until their youngest child reaches age 21. The monthly cost is €38.24.