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If someone upon whom you relied closely for income died and you had young children to care for, then you may not be able to return to full time work or replace the lost income.
The policy will pay income to you or your family if this happens and ensure that your family gets what they need without relying on variable investment returns.
The structure of these plans means that the total amount that could be paid out decreases from inception as potential payments are only made until the end of the policy.
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