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Whole-of-life cover

This type of policy will guarantee your dependants a payment irrespective of when you die. Other types of cover (see below) will only pay out if you die before a specified date.

Because whole of life policies are guaranteed to pay out at some point in the future, provided your premiums are up to date, it will generally cost more than other types of cover. 

If you are looking for cheaper life insurance you may be better off considering term insurance.

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