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Life cover pays out a tax free lump sum of money if the individual(s) insured dies within a certain time period i.e. during the term of the policy.
It is a tax- free sum and it can be used, for example, to help with the following:
How much cash should be readily available?
What sort of income will your family require?
How long do you think your family will require cover?
Think about any cover you have already arranged. Affordability is key.