Michael is 30 years old and his wife Donna is 33 years old. They are both smokers. They have one son aged 2.
Michael earns €38,000 working in security and Donna earns €40,000 per annum as a Junior Accountant. They took out a €350,000 life cover policy for over 23 years costing €61.93 per month to protect their financial future in the event of loss of income and also, to provide security to their son.