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Wow! Thanks so much Snowyb, really appreciate you taking the time to reply with all this info. I've just taken out the Essential Health 300 policy with Laya so thank you for the recommendation. Thanks again.

Hi All, Bit of a novice but hopefully someone can advise. Had a policy with Laya until the recession bit and we couldn't afford to renew. Looking to start one up again, it's for a family of 4, 2 parents in their 40's and two kids, 11 and 7. Would really appreciate any help we can get! Thanks.