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Rates for term life assurance cover has reduced dramatically over the last few years, therefore if you have a life insurance policy taken out during this period you should review it. Term assurance has no investment element so you will not lose out by switching policies as long as the level of cover is equal.
Most people have the requirement for some form of life assurance or life insurance. This cover in it's simplest form is term assurance. It can be set up in a variety of ways and for a number of purposes, all protection based.