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Greg is a 34 year old electrician and is married to Julie, aged 32 who is a housewife. He is on a salary of €45,000 and is a non-smoker. He has two children aged 2 and 4 with Julie but has a child from a previous relationship aged 10

Greg decided to take out two separate policies. He covered himself for ten times salary at €450,000 with his wife Julie as a beneficiary over a 20 year term, at a premium of €30.25pm. Greg took out a separate policy for €200,000 in trust for his son over a 20 year term at a premium of €20pm

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