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Paul & Joan

Dual Life

Paul is a 48 year old company director married to Joan a 50 year old housewife. Joan had been in full time employment but decided to give up work to look after their two children when their first child was born 14 years ago.

He earns €120,000 per annum and has €400,000 life assurance already in place through a scheme in his office. They decided to insure Paul for a further €1,000,000 to protect against future loss of income in the event of his death and also to insure Joan for €400,000 to be able to have children looked after during the day while Paul continued to work if anything happened to Joan.

Both insurances were over a period of 13 years timed until their youngest child reached the age of 25. The monthly cost is €179.29

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